Live Oak Bancshares, Inc. (LOB) Price Target Analysis
Updated Jun 26, 2026
Analyst Rating: Buy
Based on 9 analysts1.0% Above Target
LOB trades 1.0% above Wall Street's consensus target of $41.00.
Current Price$41.40
Average Target$41.00
Low$41.00
Median$41.00
High$41.00
Analyst Target Range
Forward P/E13.5x
(Value)
PEG Ratio1.47
(Fair)
Implied Growth+14.1%
(Moderate)
Analyst Spread0.0%
(High Agreement)
Price Forecast (1 Year)
Last 12 months price action with 12-month analyst target path
Consensus Scenario Assumptions
The base valuation assumes LOB achieves its forward estimates and maintains a stable P/E multiple of 13.5x. This scenario reflects the blended consensus of 9 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
LOB Price Target Analysis
Updated June 28, 2026As of June 28, 2026, Live Oak Bancshares, Inc. (LOB) has a Wall Street consensus price target of $41.00, based on estimates from 9 covering analysts. With the stock currently trading at $41.40, this represents a potential downside of -1.0%. The company has a market capitalization of $1.92B.
Analyst price targets range from a low of $41.00 to a high of $41.00, representing a 0% spread in expectations. The median target of $41.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Buy, with 6 analysts rating the stock as a Buy or Strong Buy,3 rating it Hold, and 0 rating it Sell or Strong Sell. The positive sentiment balance indicates moderate optimism about the stock prospects.
From a valuation perspective, LOB trades at a trailing P/E of 18.6x and forward P/E of 13.5x. The forward PEG ratio of 1.47 indicates reasonable valuation for growth. Analysts expect EPS to grow +14.1% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $45.67, with bear and bull scenarios of $28.77 and $60.17 respectively. Model confidence stands at 53/100, reflecting moderate uncertainty in projections.
Investment Context: Price targets represent analyst expectations for the next 12 months and should be considered alongside your own research. Targets are based on analysts' assumptions about earnings growth, margins, and market conditions which may change. For sector-specific context, view other Financial Services stocks.
Analyst Sentiment Comparison
Industry Peer AnalysisAvg Peer Upside
+6.2%
Industry Consensus
Avg Forward P/E
15.0x
(Value)
Peers with Coverage
9 / 10
Active Analyst Tracking
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 FFINFirst Financial Bankshares, Inc. | $5.0B | $35.24 | $39.25 | +11.4% | Hold | 17.3x | 15 |
 TCBKTriCo Bancshares | $1.7B | $53.91 | $57.33 | +6.3% | Buy | 12.8x | 12 |
 SMBCSouthern Missouri Bancorp, Inc. | $845M | $76.75 | $77.50 | +1.0% | Hold | 12.2x | 3 |
 BSVNBank7 Corp. | $463M | $48.66 | $57.00 | +17.1% | Buy | 11.0x | 3 |
 BYFCBroadway Financial Corporation | $96M | $10.38 | — | — | — | — | — |
 NBTBNBT Bancorp Inc. | $2.6B | $49.59 | $56.00 | +12.9% | Hold | 11.9x | 10 |
 SBCFSeacoast Banking Corporation of Florida | $3.3B | $33.45 | $34.00 | +1.6% | Hold | 13.3x | 16 |
 HONEHarborOne Bancorp, Inc. | $522M | $12.10 | $14.00 | +15.7% | Hold | 13.3x | 6 |
 LPROOpen Lending Corporation | $369M | $3.12 | $3.15 | +1.0% | Hold | 29.1x | 12 |
 ENVAEnova International, Inc. | $5.8B | $231.04 | $205.00 | -11.3% | Buy | 14.0x | 10 |
LOB — Frequently Asked Questions
Quick answers to the most common questions about buying LOB stock.
What is the LOB stock price target for 2026?
Wall Street's consensus price target for LOB is $41, -1.0% from its current price of $41.4. The below-market target from 9 analysts suggests limited near-term appreciation.
Is LOB a buy, sell, or hold?
LOB has a consensus rating of "Buy" based on 9 Wall Street analysts. The rating breakdown is predominantly bullish, with 6 Buy/Strong Buy ratings. The consensus 12-month price target of $41 implies -1.0% downside from current levels.
Is LOB stock overvalued or undervalued?
With a forward P/E of 13.5418x, LOB trades at a relatively low valuation. The consensus target of $41 implies -1.0% move, suggesting the market may be pricing in risks.
How high can LOB stock go?
The most bullish Wall Street analyst has a price target of $41 for LOB, while the most conservative target is $41. The consensus of $41 represents the median expectation. Our quantitative valuation model projects a bull case target of $60 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
How many analysts cover LOB stock?
LOB is moderately covered, with 9 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 6 have Buy ratings, 3 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
What is the LOB stock forecast?
The 12-month LOB stock forecast based on 9 Wall Street analysts shows a consensus price target of $41, with estimates ranging from $41 (bear case) to $41 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $46, with bear/bull scenarios of $29/$60.
What is LOB's fair value based on fundamentals?
Our quantitative valuation model calculates LOB's fair value at $46 (base case), with a bear case of $29 and bull case of $60. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 53/100.
What is LOB's forward P/E ratio?
LOB trades at a forward P/E ratio of 13.5x based on next-twelve-months earnings estimates compared to a trailing P/E of 18.6x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Should I buy LOB stock?
Analysts are cautious on LOB, with 0 Sell ratings and a price target of $41 (-1.0% from current price). The "Buy" consensus suggests careful evaluation before buying. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
Why do LOB price targets vary so much?
LOB analyst price targets range from $41 to $41, a 0% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $41 consensus represents the middle ground. Our model's $29-$60 range provides an independent fundamental perspective.
Consensus-Based Analysis Tools
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