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Live Oak Bancshares (LOB): analyst forecast and price target
Analyst consensus
Moderate Buy3 Buy2 Hold0 Sell
Ratings of 5 analysts in the last 3 months12-month forecast
Based on 5 price targets given in the last 3 months, the average target is $48.00, the highest $70.00, the lowest $38.00. The average is +37.5% from the last price of $34.91.
| Analyst | Firm | Price target | Rating | Upside | Action | Date | Move vs SPY | |
|---|---|---|---|---|---|---|---|---|
| AI xAi Banks - RegionalxAI Grok-3 | TipRanks - xAI | $38.00 → $39.00+2.6% | Buy | +11.7% | Reiterated | 17.10.26on TipRanks 04:05 | — | |
| AI OpenAI Banks - RegionalOpenAI 4o | TipRanks - OpenAI | $38.00 → $39.00+2.6% | Buy | +11.7% | Reiterated | 17.10.26on TipRanks 04:05 | — | |
| AI Google Banks - RegionalGemini 2.5Pro | TipRanks - Google | $39.00 → $40.00+2.6% | Buy | +14.6% | Reiterated | 17.10.26on TipRanks 04:05 | — | |
| AI PerPlexity Banks - RegionalPerPlexity SonarPro | TipRanks - PerPlexity | $39.00 → $40.00+2.6% | Buy | +14.6% | Upgrade | 17.10.26on TipRanks 04:05 | — | |
| Dave Rochester★★★★★★★★★★#746 · hits 68% · avg +11.0% | Cantor Fitzgerald | $45.00 → $41.00−8.9% | Hold | +17.4% | Reiterated | 14.10.26on TipRanks 07:55 | +0.3%next day +1.8% | ↗ |
| AI DeepSeek Banks - RegionalDeepSeek R1-0528 | TipRanks - DeepSeek | $38.00 → $39.00+2.6% | Buy | +11.7% | Reiterated | 09.10.26on TipRanks 16:05 | — | |
| AI Anthropic Banks - RegionalAnthropic Opus-4.1 | TipRanks - Anthropic | $37.00 → $38.00+2.7% | Hold | +8.9% | Reiterated | 09.10.26on TipRanks 16:05 | — | |
| Crispin Love★★★★★★★★★★#1417 · hits 62% · avg +8.5% | Piper Sandler | $46.00 → $38.00−17.4% | Hold | +8.9% | Assigned | 07.10.26on TipRanks 06:55 | −5.9%next day +1.3% · 5 days +1.4% | ↗ |
| Janet Lee★★★★★★★★★★#1538 · hits 81% · avg +12.0% | TD Cowen | $49.00 → $44.00−10.2% | Buy | +26.0% | Reiterated | 05.10.26on TipRanks 08:40 | −1.1%next day −0.7% · 5 days −5.2% | ↗ |
| Steven Alexopoulos★★★★★★★★★★#2020 · hits 61% · avg +5.0% | TD Cowen | $47.00 → $49.00+4.3% | Buy | +40.4% | Reiterated | 27.07.26on TipRanks 14:09 | +0.2%next day +1.5% · 5 days +1.2% | ↗ |
| Tim Switzer★★★★★★★★★★#717 · hits 77% · avg +14.0% | KBW | $45.00 → $47.00+4.4% | Buy | +34.6% | Reiterated | 24.07.26on TipRanks 07:21 | −1.4%next day +0.2% · 5 days +0.6% | ↗ |
| Unknown Analyst | BMO Capital | $70.00 | Buy | +100.5% | Upgrade | 20.07.26on TipRanks Jul 22 21:03 | −1.8%next day −0.7% · 5 days +1.7% | ↗ |
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The latest rating of each analyst in the last 12 months, as TipRanks lists them. Every rating kept, earlier ones included
Best analysts covering Live Oak Bancshares
TipRanks picks them by their record on this stock; the figures under the name are their record across all their ratings.
Most accurate
Most profitable
How the average price target moved
The average target of all analysts (their ratings of the 3 months before) on each day, the top analysts’ dashed, against the price; the site keeps this record since 1 October 2026. On 01.10.26: target $52.75 at a price of $36.19 (+45.8%); now: $48.00 at $34.91 (+37.5%).
PriceAverage targetTop analysts’ target
Recommendation trend
Strong BuyBuyHoldSell
| Rating | 05.26 | 06.26 | 07.26 | 08.26 | 09.26 | 10.26 |
|---|---|---|---|---|---|---|
| Strong Buy | 0 | 0 | 1 | 1 | 1 | 0 |
| Buy | 3 | 3 | 2 | 2 | 2 | 1 |
| Hold | 2 | 2 | 1 | 2 | 2 | 3 |
| Sell | 0 | 0 | 0 | 0 | 0 | 0 |
Earnings and sales forecast
Next report: 21.10.26 (Q3 2026, date not confirmed)
Earnings per share
Next quarter’s EPS estimate — $0.66 (from $0.63 to $0.71). Last quarter: $0.69.
Sales
Next quarter’s sales estimate — $169M (from $165M to $173M). Last quarter: $272M.
Best top-analyst consensus in the sector · Financial
About Live Oak Bancshares
- CEO: James S. Mahan
- Employees: 1,027
- 1741 Tiburon Drive, Wilmington, NC, 28403, US
- www.liveoak.bank
Live Oak Bancshares, Inc., established in 2008 and based in Wilmington, North Carolina, functions as the parent entity for Live Oak Banking Company. This financial institution delivers a comprehensive array of commercial banking solutions to individuals, small enterprises, and professionals, with operations spanning North Carolina and the broader United States. Its deposit product lineup features both noninterest-bearing demand accounts and various interest-bearing options, including checking, money market, savings, and time deposits. On the lending side, Live Oak extends financing through commercial and industrial loans, construction and development loans, diverse commercial real estate loans (covering both owner-occupied and non-owner-occupied properties), and commercial land loans. Beyond its primary banking activities, the company provides specialized services. These include handling settlement, accounting, and securitization for government-backed loans; offering wealth and investment management to affluent individuals and families; and delivering investment advisory services to funds that primarily inject venture capital into emerging financial technology companies. For the convenience of its staff and business guests, an on-site restaurant is also available.
Data from the stock’s TipRanks forecast page, read 42 min ago. It is read again as soon as a new rating appears and at least every 8 hours. TipRanks ↗