Live Oak Bancshares

Digital Transformation And Small Business Formation Will Power Banking Momentum

AnalystHighTarget

Not Invested

Consensus Narrative from 2 Analysts

Published

24 Aug 25

Updated

24 Aug 25

AnalystHighTarget's Fair Value

US$43.00

11.5% undervalued

24 Aug

US$38.05

-9.5%

7.6%

-9.5%

7.6%

Author's Valuation

US$43.0

11.5% undervalued

AnalystHighTarget Fair Value

Narrative

Updates0

AnalystHighTarget Fair Value

US$43.0

11.5% undervalued

Future estimation in

% p.a.

Decrease

Increase

Current revenue growth rate

30.18%

Banks revenue growth rate

0.23%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

Decrease

Increase

Current discount rate

6.78%

Calculation

US$342.22m

Earnings '28

7.19x

PE Ratio '28

US$2.46b

Market Cap '28

US$2.46b

Market Cap '28

47.40m

No. shares '28

US$51.91

Share Price '28

US$51.91 Share Price '28

Discounted to 2025 @ 6.78% p.a.

US$42.64

Fair Value '25