LOB Stock Analysis: Buy, Sell, or Hold?
LOB - Live Oak Bancshares, Inc.
$40.98
0.25 (0.61%)
▲
5d:
-5.29%
30d:
-3.92%
90d:
+9.54%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Oct 21, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: LOB shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: LOB shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$79.08
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$49.10
16.5% 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 $40.98, which is considered oversold relative to its 30-day fair value range of $41.64 to $43.34. The stock's valuation (Forward PE: 9.7) is in line with its historical norms (9.6). At these levels, the market is pricing in 0.2% 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 currently testing key support at $40.20. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: LOB scores 39/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $46.25 (+12.9%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, LOB is in a strong uptrend. The price is currently testing key support at $40.20. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: LOB scores 39/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $46.25 (+12.9%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$41.64 -
$43.34
Company Quality Score
40/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
55.7%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (39/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($46.25)
- NEUTRAL: Market pricing in 0.2% annual earnings growth - fairly valued
- WARNING: Composite score 40/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$41.64 -
$43.34
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$40.20
Resistance Level
$43.83
Current Trend
Strong Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.69
Wall Street Target
$46.25
(+12.9%)
Revenue Growth (YoY)
12.2%
Earnings Growth (YoY)
45.1%
Profit Margin
26.5%
Valuation Premium vs History
+0.2% premium
PE vs Historical
9.7 vs 9.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.2%
(market-implied from PE analysis)
1-Year Target
$41.06
(+0%)
2-Year Target
$41.14
(+0%)
3-Year Target
$41.23
(+1%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$40.85
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 35.5%)
$211.16
(+415%)
Base:
(SPY PE: 9.7, Growth: 35.5%)
$101.93
(+149%)
Bear:
(PE: 8.2, Growth: 35.5%)
$86.64
(+111%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 14.24 | Current EPS (TTM): $2.86
Bull Case
$66.26
(+62%)
Analyst growth 47.9%, PE expands to 15.7
Base Case
$60.24
(+47%)
Market implied 47.9%, PE stable at 14.2
Bear Case
$27.70
(-32%)
Severe decline -20.0%, PE contracts to 12.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 23, 2026 7:10 AM ET
Data refreshes hourly during market hours. Next update: 8:10 AM
Data refreshes hourly during market hours. Next update: 8:10 AM
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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
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