LOB Stock Analysis: Buy, Sell, or Hold?
LOB - Live Oak Bancshares, Inc.
$41.05
-0.74 (-1.77%)
▼
5d:
+0.22%
30d:
+8.57%
90d:
+22.94%
HOLD
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Jul 22, 2026
17d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: LOB is fairly valued with market pricing in 1.3% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: LOB is fairly valued with market pricing in 1.3% 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
$77.21
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$47.94
14.4% 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 $41.05, which is considered extended relative to its 30-day fair value range of $37.36 to $40.32. The stock's valuation (Forward PE: 9.9) is in line with its historical norms (9.6). At these levels, the market is pricing in 1.3% 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 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.
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 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.
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
Historical Trading Range
$37.36 -
$40.32
Company Quality Score
61/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
58.1%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($42.75)
- NEUTRAL: Market pricing in 1.3% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$37.36 -
$40.32
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.)
9.94
Wall Street Target
$42.75
(+4.1%)
Revenue Growth (YoY)
33.5%
Earnings Growth (YoY)
185.7%
Profit Margin
24.6%
Valuation Premium vs History
+1.3% premium
PE vs Historical
9.9 vs 9.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.3%
(market-implied from PE analysis)
1-Year Target
$41.58
(+1%)
2-Year Target
$42.12
(+3%)
3-Year Target
$42.67
(+4%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$41.21
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 32.8%)
$210.66
(+413%)
Base:
(SPY PE: 9.9, Growth: 32.8%)
$96.14
(+134%)
Bear:
(PE: 8.4, Growth: 32.8%)
$81.71
(+99%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (16x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 15.95 | Current EPS (TTM): $2.62
Bull Case
$72.46
(+77%)
Analyst growth 57.6%, PE expands to 17.6
Base Case
$65.88
(+61%)
Market implied 57.6%, PE stable at 16.0
Bear Case
$28.42
(-31%)
Severe decline -20.0%, PE contracts to 13.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 04, 2026 3:00 AM ET
Data refreshes hourly during market hours. Next update: 4:00 AM
Data refreshes hourly during market hours. Next update: 4:00 AM
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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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