LOB Stock Analysis: Buy, Sell, or Hold?
LOB - Live Oak Bancshares, Inc.
$42.80
0.34 (0.80%)
▲
5d:
+1.71%
30d:
+2.42%
90d:
+13.83%
HOLD
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Oct 21, 2026
Get Alerted When LOB Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 HOLD: LOB is fairly valued with market pricing in 1.9% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: LOB is fairly valued with market pricing in 1.9% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$78.70
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$48.87
12.4% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: LOB is currently trading at $42.80, which is considered extended relative to its 30-day fair value range of $41.04 to $42.57. The stock's valuation (Forward PE: 10.2) is in line with its historical norms (9.6). At these levels, the market is pricing in 1.9% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, LOB is in a strong uptrend. The price is approaching resistance at $43.23. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, LOB is in a strong uptrend. The price is approaching resistance at $43.23. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$41.04 -
$42.57
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
47.1%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($46.00)
- NEUTRAL: Market pricing in 1.9% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$41.04 -
$42.57
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$40.29
Resistance Level
$43.23
Current Trend
Strong Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.17
Wall Street Target
$46.00
(+7.5%)
Revenue Growth (YoY)
8.4%
Earnings Growth (YoY)
45.1%
Profit Margin
26.5%
Valuation Premium vs History
+1.9% premium
PE vs Historical
10.2 vs 9.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.9%
(market-implied from PE analysis)
1-Year Target
$43.61
(+2%)
2-Year Target
$44.44
(+4%)
3-Year Target
$45.29
(+6%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$42.76
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 38.0%)
$229.52
(+436%)
Base:
(SPY PE: 10.2, Growth: 38.0%)
$112.56
(+163%)
Bear:
(PE: 8.6, Growth: 38.0%)
$95.68
(+124%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 14.95 | Current EPS (TTM): $2.84
Bull Case
$69.24
(+62%)
Analyst growth 48.2%, PE expands to 16.5
Base Case
$62.94
(+47%)
Market implied 48.2%, PE stable at 15.0
Bear Case
$28.87
(-33%)
Severe decline -20.0%, PE contracts to 12.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 03, 2026 12:41 AM ET
Data refreshes hourly during market hours. Next update: 1:41 AM
Data refreshes hourly during market hours. Next update: 1:41 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is LOB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Gregory W Seward
SELL
3000 shares
2026-03-02
Walter J Phifer
SELL
4712 shares
2026-03-02
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
FITB
Fifth Third Bancorp |
BUY
24 analysts |
$63 | 58 HOLD |
|
PNC
PNC Financial Services G… |
BUY
23 analysts |
$278 | 57 HOLD |
|
MTB
M&T Bank Corporation |
BUY
21 analysts |
$256 | 58 HOLD |
|
TFC
Truist Financial Corp |
HOLD
23 analysts |
$55 | 58 HOLD |
|
NU
Nu Holdings Ltd |
BUY
20 analysts |
$18 | 58 HOLD |
