LOB Stock: Price, Forecast, Financials & AI Analysis

High

Open

VWAP

Vol

Mkt Cap

Low

Amount

EV/EBITDA(TTM)

Total Shares

EV/OCF(TTM)

P/S(TTM)

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q4

FY2026Q1

FY2026Q2

151.55M

+18.34%

0.578

+110.8%

154.20M

+22.27%

0.626

+136.49%

161.12M

+12.09%

0.734

+39.46%

Estimates Revision

The market is revising Upward the revenue expectations for Live Oak Bancshares, Inc. (LOB) for FY2025, with the revenue forecasts being adjusted by 0.28% over the past three months. During the same period, the stock price has changed by -2.67%.

Revenue Estimates for FY2025

Revise Upward

+0.28%

In Past 3 Month

EPS Estimates for FY2025

Revise Downward

-1.47%

In Past 3 Month

Stock Price

Go Down

-2.67%

In Past 3 Month

4 Analyst Rating

Wall Street analysts forecast LOB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for LOB is 42.50 USD with a low forecast of 35.00 USD and a high forecast of 50.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

2 Buy

2 Hold

0 Sell

Moderate Buy

Current: 35.310

Low

35.00

Averages

42.50

High

50.00

Current: 35.310

Low

35.00

Averages

42.50

High

50.00

Piper Sandler

Crispin Love

Neutral

downgrade

$37 -> $35

2025-10-24

Reason

Piper Sandler

Crispin Love

Price Target

$37 -> $35

2025-10-24

downgrade

Neutral

Reason

Piper Sandler analyst Crispin Love lowered the firm's price target on Live Oak Bancshares to $35 from $37 and keeps a Neutral rating on the shares. Live Oak posted a beat and credit metrics were relatively stable. With LOB being the #1 SBA player, the government shutdown is top of mind, but commentary on the call helped ease fears with the company preparing ahead of time and being able to fund loans, the firm says. However, if the shutdown lasts into December, there could be impacts to GoS revenue, Piper adds.

TD Cowen

Buy

initiated

$50

2025-09-24

Reason

TD Cowen

Price Target

$50

2025-09-24

initiated

Buy

Reason

TD Cowen initiated coverage of Live Oak Bancshares with a Buy rating and $50 price target. The firm rolled out coverage on the mid and small cap banks with a bullish view. The group is trading at a "sizable valuation discount" to historical averages, with catalysts ahead from improving net interest margins, renewed loan growth, and banks "going on offense with capital." TD sees one of the most attractive entry points in decades for the group. The firm's top picks, in order, are Western Alliance (WAL), Customers Bancorp (CUBI), East West Bancorp (EWBC), MVB Financial (MVBF), Live Oak Bancshares (LOB), Valley National (VLY), and Atlantic Union (AUB).

Cantor Fitzgerald

Dave Rochester

Neutral

initiated

$42

2025-09-09

Reason

Cantor Fitzgerald

Dave Rochester

Price Target

$42

2025-09-09

initiated

Neutral

Reason

Cantor Fitzgerald analyst Dave Rochester initiated coverage of Live Oak Bancshares with a Neutral rating and $42 price target. The firm rolled out coverage on 16 U.S. banks with a constructive view. Cantor's top pick is Citizens Financial.

Keefe Bruyette

Market Perform -> Outperform

upgrade

$37 -> $43

2025-08-18

Reason

Keefe Bruyette

Price Target

$37 -> $43

2025-08-18

upgrade

Market Perform -> Outperform

Reason

Keefe Bruyette upgraded Live Oak Bancshares to Outperform from Market Perform with a price target of $43, up from $37. The firm expects several positive catalysts to drive shares higher over the remainder of 2025. Shares have been punished since 3Q24 reporting due to investor concerns regarding the recent SBA credit cycle, but Keefe believes credit performance is set to turn around in 2H25, which should ease investor fears, the analyst tells investors in a research note.

Keefe Bruyette

Timothy Switzer

Market Perform

maintain

$36 -> $37

2025-07-25

Reason

Keefe Bruyette

Timothy Switzer

Price Target

$36 -> $37

2025-07-25

maintain

Market Perform

Reason

Keefe Bruyette analyst Timothy Switzer raised the firm's price target on Live Oak Bancshares to $37 from $36 and keeps a Market Perform rating on the shares.

Keefe Bruyette

Market Perform

maintain

$34 -> $36

2025-07-11

Reason

Keefe Bruyette

Price Target

$34 -> $36

2025-07-11

maintain

Market Perform

Reason

Keefe Bruyette raised the firm's price target on Live Oak Bancshares to $36 from $34 and keeps a Market Perform rating on the shares.

Valuation Metrics

The current forward P/E ratio for Live Oak Bancshares Inc (LOB.N) is 12.64, compared to its 5-year average forward P/E of 18.44. For a more detailed relative valuation and DCF analysis to assess Live Oak Bancshares Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

5Y Average PE

18.44

Current PE

12.64

Overvalued PE

24.54

Undervalued PE

12.34

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

N/A

5Y Average PS

3.90

Current PS

0.00

Overvalued PS

5.69

Undervalued PS

2.10

Financials

Annual

Quarterly

N/A

Total Revenue

N/A

Operating Profit

N/A

Net Income after Tax

N/A

EPS - Diluted

N/A

Free Cash Flow

N/A

FCF Margin - %

N/A

Net Margin - %

N/A

ROIC

Trading Trends

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

Bought

Hedge Fund

Hedge Funds are Neutral. There are no significant trading trends over the last quarter.

Sold

Bought

Congress Trading

Congress are Neutral. There are no significant trading trends over the last month.

Sold

Bought

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

Bought

LOB News & Events

Events Timeline

No data

News

7.0

12-10Globenewswire

Live Oak Bancshares to Restate Financials, Shares Decline

7.0

12-03Globenewswire

Live Oak Bancshares Faces Investigation Over Financial Restatement

5.0

12-01Newsfilter

Live Oak Bancshares Appoints Ewa M. Stasiowska as Chief Risk Officer

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Frequently Asked Questions

What is Live Oak Bancshares Inc (LOB) stock price today?

The current price of LOB is 35.31 USD — it has increased 0 % in the last trading day.

What is Live Oak Bancshares Inc (LOB)'s business?

Live Oak Bancshares, Inc. is the bank holding company for Live Oak Banking Company (the Bank). The Bank specializes in providing lending and deposit-related services to small businesses nationwide. The Bank operates a national online platform for small business lending and deposit gathering. In addition to the Bank, the Company directly or indirectly holds wholly owned subsidiaries, including Live Oak Ventures, Inc. (Live Oak Ventures), Live Oak Grove, LLC (Grove), and Government Loan Solutions, Inc. (GLS). Live Oak Ventures has an investment in Synply, Inc. (Synply). Synply is a cloud-based technology platform designed to simplify the loan syndication process for financial institutions. The Grove provides Company employees and business visitors with on-site dining at the Company’s Wilmington, North Carolina headquarters. GLS is a management and technology consulting firm that advises and offers solutions and services to participants in the government-guaranteed lending sector.

What is the price predicton of LOB Stock?

What is Live Oak Bancshares Inc (LOB)'s revenue for the last quarter?

Live Oak Bancshares Inc revenue for the last quarter amounts to 142.63M USD, increased 15.70 % YoY.

What is Live Oak Bancshares Inc (LOB)'s earnings per share (EPS) for the last quarter?

Live Oak Bancshares Inc. EPS for the last quarter amounts to 0.55 USD, increased 96.43 % YoY.

What changes have occurred in the market's expectations for Live Oak Bancshares Inc (LOB)'s fundamentals?

How many employees does Live Oak Bancshares Inc (LOB). have?

Live Oak Bancshares Inc (LOB) has 1008 emplpoyees as of December 16 2025.

What is Live Oak Bancshares Inc (LOB) market cap?

Today LOB has the market capitalization of 1.62B USD.