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Live Oak BancsharesC
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
Execution that sustains above-trend loan growth, stabilizes NIM and keeps credit costs benign would push consensus toward the high end of published targets, supporting ~25% upside vs. the anchor [#SERP-3], [#SERP-6].
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +5.6.
What can break
Deposit outflows or higher cost of funding
Momentum
31
Value
47
Sentiment
66
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $42.50 · Bull $49.21 · Bear $28.06Analysis 2026-01-24; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-08 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-24 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-09-08

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-08. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $46.75
Why
Momentum31 · Δ7d -4.5
Value47 · Δ7d -4.2
Sentiment66 · Δ7d +5.6
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +5.6.

Contradictions & invalidation

  • • Deposit outflows or higher cost of funding
  • • Higher-than-expected loan charge-offs or credit deterioration
  • • NIM compression, elevated charge-offs or deposit outflows would reduce earnings visibility and could drive downside toward low analyst targets or below, consistent with a prolonged re-pricing of regional bank multiples [#SERP-1].

Catalyst clock

2026-04-24

Analyst target revisions / consensus repricing

Lead driver: Sentiment · See AI snapshot
Momentum
31
9% active weight
Current posture
7d trendSoftening
Δ7d
-4.5
Δ21d
-33.5
Value
47
28% active weight
Current posture
7d trendSoftening
Δ7d
-4.2
Δ21d
+0.0
Sentiment
66
62% active weight
Current posture
7d trendImproving
Δ7d
+5.6
Δ21d
+11.5
Why this grade

Composite grade C. Momentum 31.2 / Value 46.8 / Sentiment 66.3

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-01-24. Scenario method

B+
Bull case
20%
Probability
Target price
$49.21
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
Most likely
B
Base case
60%
Probability
Target price
$42.50
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$28.06
Analysis reference price unavailable
Analysis 2026-01-24 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$2B
Beta
2.00
Shares Out
46.28M
P/E (TTM)
24.0
P/S (TTM)
3.01
P/FCF (TTM)
7.03
Rev YoY
+4.9%
EPS YoY
+45.6%
Gross Margin
-
Op Margin
+15.4%
Net Debt
-$760.34M
Current Ratio
1.70
As of 2026-09-08 • Updated nightlySource: Internal modelMethods & Data