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Live Oak Bancshares, Inc. (LOB) Stock Analysis

SellVALUE-TRAP 1/5Moderate Confidence

Financial Services · Banks - Regional

Sell if holding. Analyst target reached at $36.20 — A.R:R 0.1:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Consecutive earnings misses (2).

Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing... Read more

$36.20+0.4% A.UpsideScore 6.2/10#31 of 142 Banks - Regional
QualityF-score8 / 9FCF yield—
IncomeYield0.33%(5y avg 0.33%)Payout4.58%sustainable
Stop $34.48Target $36.34(analyst − 15%)A.R:R 0.1:1
Analyst target$42.75+18.1%4 analysts
$36.34our TP
$36.20price
$42.75mean
$47

Sell if holding. Analyst target reached at $36.20 — A.R:R 0.1:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Consecutive earnings misses (2). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 6.2/10, moderate confidence.

Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 64d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.

Val8.2Qual5.5Grw10.0Mom4.4Sent5.8Ins3.3Peer5.4Tech7.0Risk4.76.2OVERALL

Recent Developments — Live Oak Bancshares, Inc.

Latest news

Generated 2026-05-20T21:06:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Attractive valuation
Strong growth profile
Risks
Analyst target reached - limited upside remaining
Consecutive earnings misses (2)

Key Metrics

P/E (TTM)13.9
P/E (Fwd)8.8
Mkt Cap$1.7B
EV/EBITDA—
Profit Mgn24.6%
ROE10.9%
Rev Growth33.5%
Beta1.92
Dividend0.33%
Rating analysts9

Quality Signals

Piotroski F8/9

Options Flow

P/C1.25bearish
IV45%normal

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 ceiling hit

GatesMomentum 4.4<4.5A.R:R 0.1 < 1.5@spotInsider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 64d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Aggressive
RSI
37 · Neutral
↓ 20D MA↑ 50D MA↑ 200D MADEATH CROSSSupport $35.39Resistance $38.85

Price Targets

$34
$36
A.Upside+0.4%
A.R:R0.1:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (0.4% upside)
! NEWS_MOD=-1: HOLD_IF_HOLDING → SELL_IF_HOLDING
! Momentum score 4.4/10 — below 4.5 minimum

Earnings

B
B
M
M
2/4 beats
Next Earnings2026-07-22 (64d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is LOB stock a buy right now?

Sell if holding. Analyst target reached at $36.20 — A.R:R 0.1:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Consecutive earnings misses (2). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $34.48. Score 6.2/10, moderate confidence.

What is the LOB stock price target?

Take-profit target: $36.34 (+0.4% upside). Prior stop was $34.48. Stop-loss: $34.48.

What are the risks of investing in LOB?

Analyst target reached - limited upside remaining; Consecutive earnings misses (2).

Is LOB overvalued or undervalued?

Live Oak Bancshares, Inc. trades at a P/E of 13.9 (forward 8.8). TrendMatrix value score: 8.2/10. Verdict: Sell.

What do analysts say about LOB?

9 analysts cover LOB with a consensus score of 3.7/5. Average price target: $43.

What does Live Oak Bancshares, Inc. do?Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various...

Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits. It also provides commercial and industrial loans; construction and development loans; owner occupied and non-owner occupied collateral commercial real estate loans; and commercial land loans. In addition, the company offers settlement, accounting, and securitization services for government guaranteed loans; financing for renewable energy application industry; strategic wealth and investment management services to high-net-worth individuals and families; and investment advisory services to a series of funds focused on providing venture capital to new and emerging financial technology companies. Live Oak Bancshares, Inc. was founded in 2008 and is headquartered in Wilmington, North Carolina.

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