Live Oak Bancshares (LOB) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy
Key numbers
- Adjusted EPS
- $0.56
- Estimate
- $0.66
- Surprise
- -15.6%
- Score at report (before → after)
- 5.8 → 5.9/10
Revenue for this quarter isn’t shown: the reported figure hasn’t cleared TrendMatrix’s freshness and sanity checks yet, and consensus revenue isn’t tracked. EPS above is the available figure.
How the report landed
Live Oak Bancshares (LOB) missed the $0.66 estimate with adjusted EPS of $0.56 — a large 15.6% shortfall. TrendMatrix's engine moved from Buy (Wait) (5.8/10) to Sell at 5.9/10 after the report — the engine's score rose despite the miss.
Coverage in the report window
- Live Oak Bancshares Q3 EPS $0.52 Misses $0.76 Estimate, Sales $175.646M Beat $159.400M Estimate — benzinga, 2026-10-21
Where TrendMatrix's rating stands now
TrendMatrix currently rates LOB Sell at 5.9/10.
2 of the last 4 quarters beat the estimate; this quarter's -15.6% surprise compares with a -3.2% four-quarter average.
What supports the rating
- Sector modifier (Financial Services): +1.0
- Attractive valuation
What argues against it
- Concentration risk — Loan Portfolio: SBA-guaranteed loans
- Analyst target reached - limited upside remaining
- Consecutive earnings misses (2)
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $35.35
- Price target
- $35.49
- Stop
- $33.37
- Upside to target
- +0.4%
- Reward-to-risk
- 0.1:1
The stock trades at 12.4× trailing but 8.3× forward earnings — consensus estimates already build in a substantial earnings recovery.
Model outputs from TrendMatrix’s engine as of 2026-10-22 — shown for context, not personalized investment advice.
LOB at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Banks - Regional
- Market cap
- $1.64B
- P/E (fwd)
- 8.3
- P/E (ttm)
- 12.4
- 52-week range
- $29.36–$44.53
- Off 52-week high
- 20.6%
- RSI (14)
- 42
- Volume vs avg
- 1.03×
- Score today
- 5.9/10