Should I Buy LOB? LOB 2026 Analysis

Should You Buy Live Oak Bancshares Inc (LOB) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Buy

Latest Price

40.830

1 Day change

1.47%

52 Week Range

42.890

Analysis Updated At

2026/02/05

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Intellectia Proprietary Trading Signals
- AI Stock Picker: No signal on given stock today.
- SwingMax: No signal on given stock recently.
Buy now: the stock is in a clear bullish trend (stacked moving averages + expanding positive MACD) and Wall Street remains constructive with raised/maintained bullish targets.
Near-term upside is still plausible even after a strong run, but expect choppiness because momentum is getting stretched (RSI ~~73) and price is close to resistance (~~42.15).

Technical Analysis

Trend: Bullish (SMA_5 > SMA_20 > SMA_200).
Momentum: MACD histogram +0.213 and expanding → upside momentum is building.
RSI (6): 72.943 → stretched/near-overbought conditions (risk of a pause/pullback).
Key levels: Pivot 40.257 (buy-zone support), Resistance R1 42.148 then R2 43.316; Support S1 38.366.
Tactical read: With price at 41.505, upside looks intact, but the trade is better if it can hold above the pivot (~40.26) while attempting a breakout over ~42.15.

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Positioning (OI PCR 0.29): Put open interest is low vs calls → generally bullish sentiment/positioning.
Volume: Extremely light (today total volume 1, puts 0) → sentiment signal is not very reliable today due to illiquidity.
Volatility: IV(30d) 54.55 vs HV 39.43 → options priced rich to realized; however IV Rank 15.28 / IV Percentile 30.68 suggests IV is not extreme versus its own history.

Technical Summary

Sell

Buy

Positive Catalysts

- Strong latest reported quarter: 2025/Q4 revenue +6.99% YoY, EPS +352.38% YoY, net income +345.62% YoY.
- Bullish technical structure (stacked MAs + positive/expanding MACD).
- Supportive analyst stance: reiterated Buy/Outperform with price targets still above current price.
- Pattern-based forward view provided: modeled +6.06% bias over the next month (per similar candlestick-pattern study).

Neutral/Negative Catalysts

- Momentum looks stretched (RSI ~73), increasing risk of a near-term pullback or consolidation.
- Price is approaching resistance near 42.15; failure to break could trigger mean reversion toward the pivot (~40.26).
- No fresh news catalysts in the last week (less event-driven upside).
- Broader tape is risk-off today (S&P 500 -1.06%), which can cap near-term upside.
- Options market is very illiquid today (minimal volume), limiting how much to trust options-based sentiment.

Financial Performance

Latest quarter: 2025/Q4
- Revenue: $133.392M, +6.99% YoY (steady growth).
- Net income: $44.116M, +345.62% YoY (major rebound).
- EPS: $0.95, +352.38% YoY (sharp profitability improvement).
Takeaway: growth is positive and profitability inflected strongly higher in the latest quarter, supporting the bull case.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

2026-02-03 (TD Cowen): Maintained Buy, PT cut $53 → $51 (model tweaks after results; still upside vs $41.505).
2026-01-23 (Keefe Bruyette): Maintained Outperform, PT raised $43 → $47.
Wall Street pros: constructive ratings, targets above current price, and post-earnings modeling still supports upside.
Wall Street cons: slight PT trim from one firm indicates some near-term assumption tightening.
Influential/political trading: No recent congress trading data available; hedge funds and insiders are neutral with no significant recent trend.

3 Analyst Rating

Wall Street analysts forecast LOB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for LOB is 42.67 USD with a low forecast of 35 USD and a high forecast of 50 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

2 Buy

1 Hold

0 Sell

Moderate Buy

Current: 40.240

Low

Averages

42.67

High

Current: 40.240

Low

Averages

42.67

High

TD Cowen

Buy

downgrade

$53 -> $51

AI Analysis

2026-02-03

New

Reason

TD Cowen

Price Target

$53 -> $51

AI Analysis

2026-02-03

New

downgrade

Buy

Reason

TD Cowen lowered the firm's price target on Live Oak Bancshares to $51 from $53 and keeps a Buy rating on the shares. The firmupdated its model following quarterly results to reflect revised provision and GAAP fee assumptions.

Keefe Bruyette

Outperform

maintain

$43 -> $47

2026-01-23

Reason

Keefe Bruyette

Price Target

$43 -> $47

2026-01-23

maintain

Outperform

Reason

Keefe Bruyette raised the firm's price target on Live Oak Bancshares to $47 from $43 and keeps an Outperform rating on the shares.

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LOB Should I Buy

LOB Should I Buy

Should You Buy Live Oak Bancshares Inc (LOB) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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