Live Oak Bancshares (LOB) Stock: Buy, Sell, or Hold?
$34.30
-0.10 (-0.29%)
âŧ
5d:
-2.42%
30d:
-1.1%
90d:
-20.86%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (77%)
Quality Score
48/100
Position
SLIGHTLY LOW
30-Day Fair Range
$34.23 â $35.47
Position: SLIGHTLY LOW
Forward P/E & Valuation
8.2x
CHEAP
vs 9.4x historical avg
Wall Street Target
$40.50
+18.1% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$33.19 / $36.69
Trend: Strong Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: LOB is fairly priced but lacks strong directional signals. At -4.4% expected growth, valuation appears cheap. Wait for clearer setup or better entry on dips.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$76.30
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$47.37
27.6% 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 9.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: LOB is currently trading at $34.30, which is considered slightly low relative to its 30-day fair value range of $34.23 to $35.47. From a valuation perspective, the stock is trading at a discount (Forward PE: 8.2) compared to its historical average (9.4). Remarkably, the market is currently pricing in an annual earnings decline of 4.4% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, LOB is in a strong downtrend. Immediate support is located at $33.19, while resistance sits at $36.69.
Market Sentiment: The stock scores a mixed 53/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $40.50 (+18.1%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, LOB is in a strong downtrend. Immediate support is located at $33.19, while resistance sits at $36.69.
Market Sentiment: The stock scores a mixed 53/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $40.50 (+18.1%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$34.23 -
$35.47
Company Quality Score
48/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
77.1%
Trading Range & Key Levels
30-Day Trading Range
$34.23 -
$35.47
Current vs Trading Range
SLIGHTLY LOW
Support Level
$33.19
Resistance Level
$36.69
Current Trend
Strong Downtrend
Technical data as of
Nov 11, 2026
Quantitative Signal Breakdown
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (53/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($40.50)
- WARNING: Composite score 48/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
8.23
Wall Street Target
$40.50
(+18.1%)
Revenue Growth (YoY)
0.7%
Earnings Growth (YoY)
-5.5%
Profit Margin
26.4%
Valuation Discount vs History
-4.4% cheaper
PE vs Historical
8.2 vs 9.4
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-4.4%
(market-implied from PE analysis)
1-Year Target
$32.79
(-4%)
2-Year Target
$31.35
(-9%)
3-Year Target
$29.97
(-13%)
3-Yr Target (if PE normalizes)
(PE: 8â9)
$34.23
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 53.6%)
$279.37
(+715%)
Base:
(SPY PE: 8.2, Growth: 53.6%)
$115.76
(+238%)
Bear:
(PE: 7.0, Growth: 53.6%)
$98.40
(+187%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 12.24 | Current EPS (TTM): $2.81
Bull Case
$56.13
(+64%)
Analyst growth 48.3%, PE expands to 13.5
Base Case
$51.02
(+49%)
Market implied 48.3%, PE stable at 12.2
Bear Case
$23.39
(-32%)
Severe decline -20.0%, PE contracts to 10.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.2 to 9.4
Stabilization Target:
$39.18
(+14.2%)
PE Expansion Potential:
+14.2%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (LOB)
Bearish
1 Retail Mentions
Reddit / WSB Comments
1
Bearish
Last Tracked
Sep 26, 2023
Daily AI digest
AI Retail Discussion Summary:
Reddit & WallStreetBets discussions on LOB are bearish (sentiment score -0.05) across 1 tracked comments.
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 12, 2026 9:02 AM ET
Data refreshes hourly during market hours. Next update: 10:02 AM
Data refreshes hourly during market hours. Next update: 10:02 AM
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Technical Signals Check
Is LOB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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