Alert: Rating Downgrade (9/5/25)-Live Oak Bancshares Inc (NYSE: LOB).

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Stock Rating Downgrade

The Value Trend Rating for Live Oak Bancshares Inc (NYSE: LOB) weakened recently from B to C reflecting eroding fundamentals and low Appreciation Potential. Details supporting this lower rating are included in our next report.

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Recent Price Action

On 9/5/25, Live Oak Bancshares Inc (NYSE: LOB) stock declined slightly by -0.8%, closing at $38.36. This decline was accompanied by normal trading volume. Relative to the market the stock has been weak over the last nine months and has declined -0.7% during the last week.

Current PriceTarget Research Rating

Live Oak Bancshares has a current Value Trend Rating of C (High Neutral). The Value Trend Rating reflects contradictory signals from PTR’s two proprietary measures of a stock’s attractiveness. Live Oak Bancshares has a good Appreciation Score of 74 but a slightly negative Power Rating of 37, and the High Neutral Value Trend Rating results.

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