LOB Stock Analysis: Buy, Sell, or Hold?
LOB - Live Oak Bancshares, Inc.
$39.88
1.29 (3.34%)
▲
5d:
+4.04%
30d:
+6.6%
90d:
+21.77%
BUY
MODERATE Confidence
Analysis Updated: Jun 23, 2026 12:00 AM ET
Earnings: Jul 22, 2026
28d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: LOB shows positive signals but monitor for confirmation. Market pricing in 0.7% decline. Moderate conviction.
💡 BUY OPPORTUNITY: LOB shows positive signals but monitor for confirmation. Market pricing in 0.7% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$76.40
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$47.44
15.9% 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 9.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: LOB is currently trading at $39.88, which is considered extended relative to its 30-day fair value range of $36.79 to $38.69. The stock's valuation (Forward PE: 9.3) is in line with its historical norms (9.5). Remarkably, the market is currently pricing in an annual earnings decline of 0.7% over the next few years. This pessimistic expectation contrasts with the company's recent 185.7% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, LOB is in a downtrend. The price is approaching resistance at $39.24. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 3.3% recently.
Market Sentiment: LOB has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $42.75 (+10.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, LOB is in a downtrend. The price is approaching resistance at $39.24. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 3.3% recently.
Market Sentiment: LOB has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $42.75 (+10.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$36.79 -
$38.69
Company Quality Score
61/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
64.3%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+3.3%)
- BULLISH: Trading below Wall St target ($42.75)
Trading Range Analysis
30-Day Trading Range
$36.79 -
$38.69
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$36.01
Resistance Level
$39.24
Current Trend
Downtrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.34
Wall Street Target
$42.75
(+10.8%)
Revenue Growth (YoY)
33.5%
Earnings Growth (YoY)
185.7%
Profit Margin
24.6%
Valuation Discount vs History
-0.7% cheaper
PE vs Historical
9.3 vs 9.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.7%
(market-implied from PE analysis)
1-Year Target
$38.32
(-1%)
2-Year Target
$38.05
(-1%)
3-Year Target
$37.79
(-2%)
3-Yr Target (if PE normalizes)
(PE: 9→10)
$38.42
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 32.8%)
$210.66
(+446%)
Base:
(SPY PE: 9.3, Growth: 32.8%)
$90.37
(+134%)
Bear:
(PE: 7.9, Growth: 32.8%)
$76.82
(+99%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 14.77 | Current EPS (TTM): $2.62
Bull Case
$67.12
(+74%)
Analyst growth 57.6%, PE expands to 16.3
Base Case
$61.02
(+58%)
Market implied 57.6%, PE stable at 14.8
Bear Case
$26.32
(-32%)
Severe decline -20.0%, PE contracts to 12.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.3 to 9.5
Stabilization Target:
$39.24
(+1.7%)
PE Expansion Potential:
+1.7%
Share & Embed Analysis
Last updated: June 23, 2026 3:58 PM ET
Data refreshes hourly during market hours. Next update: 4:58 PM
Data refreshes hourly during market hours. Next update: 4:58 PM
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Technical Signals Check
Is LOB showing a specific setup today?
Insider Activity (6 Months)
1
Buys
3
Sells
Net
INSIDERS SELLING
Recent Transactions
Gregory W Seward
SELL
3000 shares
2026-03-02
Walter J Phifer
SELL
4712 shares
2026-03-02
Courtney Spencer
SELL
9700 shares
2026-01-26
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