LOB Stock Analysis: Buy, Sell, or Hold?
LOB - Live Oak Bancshares, Inc.
$41.15
1.19 (2.98%)
▲
5d:
+4.87%
30d:
+19.8%
90d:
+30.18%
HOLD
MODERATE Confidence
Last Updated: February 2, 2026
Earnings: Jan 21, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: LOB shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: LOB shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$88.90
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$55.20
25.5% 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 11.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: LOB is currently trading at $41.15, which is considered extended relative to its 30-day fair value range of $35.26 to $39.26. The stock's valuation (Forward PE: 9.9) is in line with its historical norms (11.0). Remarkably, the market is currently pricing in an annual earnings decline of 3.4% over the next few years. This pessimistic expectation contrasts with the company's recent 347.9% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, LOB is in a uptrend. Immediate support is located at $36.19, while resistance sits at $42.89.
Market Sentiment: LOB has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. 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 uptrend. Immediate support is located at $36.19, while resistance sits at $42.89.
Market Sentiment: LOB has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. 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
Fair Price Range
$35.26 -
$39.26
Company Quality Score
57/100
(HOLD)
Options IV Signal
48th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
59.6%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Options fairly priced (IV 48th percentile)
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($45.25)
Fair Price Analysis
30-Day Fair Range
$35.26 -
$39.26
Current vs Fair Value
EXTENDED
Expected Move (7 Days)
±$2.81
(6.8%)
Support & Resistance Levels
Support Level
$36.19
Resistance Level
$42.89
Current Trend
Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
9.92
Wall Street Target
$45.25
(+10.0%)
Revenue Growth (YoY)
61.7%
Earnings Growth (YoY)
347.9%
Profit Margin
22.0%
Valuation Discount vs History
-3.4% cheaper
PE vs Historical
9.9 vs 11.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.4%
(market-implied from PE analysis)
1-Year Target
$39.75
(-3%)
2-Year Target
$38.40
(-7%)
3-Year Target
$37.09
(-10%)
3-Yr Target (if PE normalizes)
(PE: 10→11)
$41.15
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 39.3%)
$249.95
(+507%)
Base:
(SPY PE: 9.9, Growth: 39.3%)
$111.14
(+170%)
Bear:
(PE: 8.4, Growth: 39.3%)
$94.47
(+130%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (17x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 17.18 | Current EPS (TTM): $2.23
Bull Case
$78.42
(+96%)
Analyst growth 86.1%, PE expands to 18.9
Base Case
$71.29
(+78%)
Market implied 86.1%, PE stable at 17.2
Bear Case
$26.05
(-35%)
Severe decline -20.0%, PE contracts to 14.6
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 9.9 to 11.0
Stabilization Target:
$45.65
(+10.9%)
PE Expansion Potential:
+10.9%
Last updated: February 02, 2026 4:13 PM ET
Data refreshes hourly during market hours. Next update: 5:13 PM
Data refreshes hourly during market hours. Next update: 5:13 PM
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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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