LOB
Live Oak BancsharesCNYSE / Banks
Last Price
At close
2026-07-21
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
Value
What changed
Next scheduled catalyst: earnings 2026-07-22 · AMC.
What can break
Deposit outflows or higher cost of funding
Momentum
66
Value
47
Sentiment
52
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $42.50 · Bull $49.21 · Bear $28.06
Earnings
2026-07-22 · AMC
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-24 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-07-21
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $44.25
Why
Momentum66 · Δ7d -5.4
Value47 · Δ7d +0.0
Sentiment52 · Δ7d -3.2
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Value · See fundamentals
Momentum
66
26% active weight
Current posture
7d trendSoftening
Δ7d
-5.4
Δ21d
+19.6
Value
47
39% active weight
Current posture
7d trendFlat
Δ7d
+0.0
Δ21d
-0.2
Sentiment
52
34% active weight
Current posture
7d trendSoftening
Δ7d
-3.2
Δ21d
-5.3
Why this grade
Composite grade C. Momentum 66.0 / Value 47.1 / Sentiment 51.8
Fundamentals (TTM)As of 2026-07-21
Fundamentals (TTM)
As of 2026-07-21
Market Cap
$1.93B
Beta
2.00
Shares Out
46.26M
P/E (TTM)
24.0
P/S (TTM)
3.01
P/FCF (TTM)
7.03
Rev YoY
+9.7%
EPS YoY
+182.9%
Gross Margin
-
Op Margin
+17.3%
Net Debt
-$760.34M
Current Ratio
1.80
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology