Live Oak Bancshares Receives 'Hold' Rating from Analysts

Shares of the North Carolina-based bank have a consensus recommendation to hold, with some analysts seeing upside potential.

Apr. 9, 2026 at 10:35am

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A highly detailed, textured image of the gears, levers, and mechanisms of a bank's internal machinery, conveying a sense of the complex infrastructure that supports the financial industry.An extreme close-up of the inner workings of a regional bank's operations highlights the institutional strength and stability that underpins the financial system.Wilmington Today

Shares of Live Oak Bancshares, Inc. (NYSE:LOB) have received an average 'Hold' recommendation from the six analysts currently covering the regional bank, according to a new report. Four analysts rated the stock as a hold, while two gave it a buy recommendation. The average 12-month price target is $44.20.

Why it matters

Live Oak Bancshares is a fast-growing, technology-focused bank that has seen its stock price fluctuate in recent months. The mixed analyst ratings reflect the bank's potential upside but also ongoing challenges it faces as a smaller regional player.

The details

The analysts' ratings come after Live Oak Bancshares reported strong fourth-quarter results, with earnings per share of $0.95 beating estimates by $0.39. However, the bank's stock has traded in a wide range over the past year, from a low of $22.68 to a high of $42.89.

  • Live Oak Bancshares reported Q4 2025 earnings on January 21, 2026.
  • The bank's stock opened at $35.58 on Thursday, April 9, 2026.

The players

Live Oak Bancshares, Inc.

A bank holding company headquartered in Wilmington, North Carolina that operates through its subsidiary Live Oak Banking Company. The company was founded in 2008 and focuses on specialty lending and deposit products.

Weiss Ratings

An independent financial research firm that provides ratings and analysis on stocks, mutual funds, and other financial products.

TD Cowen

An investment banking and securities firm that provides research coverage on Live Oak Bancshares.

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What they’re saying

“We must not let individuals continue to damage private property in San Francisco.”

— Robert Jenkins, San Francisco resident

“Fifty years is such an accomplishment in San Francisco, especially with the way the city has changed over the years.”

— Gordon Edgar, grocery employee

The takeaway

Live Oak Bancshares' mixed analyst ratings reflect the bank's potential upside but also the ongoing challenges it faces as a smaller regional player in a competitive banking landscape. The bank's ability to navigate these dynamics will be key to its future performance.