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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 -3.7.
What can break
Deposit outflows or higher cost of funding
Momentum
24
Value
50
Sentiment
65
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 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-26 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-24 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-10-26

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-26. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $40.50
Why
Momentum24 · Δ7d -0.4
Value50 · Δ7d +0.2
Sentiment65 · Δ7d -3.7
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta -3.7.

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
24
8% active weight
Current posture
7d trendFlat
Δ7d
-0.4
Δ21d
-3.4
Value
50
47% active weight
Current posture
7d trendFlat
Δ7d
+0.2
Δ21d
+1.3
Sentiment
65
45% active weight
Current posture
7d trendSoftening
Δ7d
-3.7
Δ21d
-5.8
Why this grade

Composite grade C. Momentum 23.5 / Value 50.0 / Sentiment 65.4

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 2026-10-27
Market Cap
$1.61B
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 2026-10-26 • Updated nightlySource: Internal modelMethods & Data