LOB
Live Oak BancsharesCNYSE / Banks
Last Price
At close
2026-07-22
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
Value remains the lead driver in the composite, 7D delta +0.3.
What can break
Deposit outflows or higher cost of funding
Momentum
65
Value
47
Sentiment
53
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $42.50 · Bull $49.21 · Bear $28.06
Data freshness
Prices
As of 2026-07-22
Fundamentals
As of 2026-07-22 • Vendor: Data Vendor v1
Scores
As of 2026-07-22 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-24 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-07-22
Investment thesis
As of 2026-07-22
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $44.25
Why
Momentum65 · Δ7d +13.9
Value47 · Δ7d +0.3
Sentiment53 · Δ7d -0.9
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Value · See fundamentals
Momentum
65
26% active weight
Current posture
7d trendFlat
Δ7d
+13.9
Δ21d
+10.5
Value
47
39% active weight
Current posture
7d trendFlat
Δ7d
+0.3
Δ21d
+0.1
Sentiment
53
34% active weight
Current posture
7d trendFlat
Δ7d
-0.9
Δ21d
-3.7
Why this grade
Composite grade C. Momentum 65.3 / Value 47.3 / Sentiment 52.5
Fundamentals (TTM)As of 2026-07-22
Fundamentals (TTM)
As of 2026-07-22
Market Cap
$1.9B
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 2026-07-22 • Updated nightlySource: Internal modelMethodology