LOB
Live Oak Bancshares, Inc. Financial Services - Banks - Regional Investor Relations →
Live Oak Bancshares, Inc. (LOB) closed at $31.85 as of 2026-03-20, trading 7.0% below its 200-week moving average of $34.26. This places LOB in the deep value zone. The stock is currently moving closer to the line, down from -5.9% last week. The 14-week RSI sits at 41, indicating neutral momentum.
Trading volume is running at 1.2x of its 14-week average, which is in the normal range. The balance between buying and selling volume (1.23 ratio) is neutral — neither side is clearly dominating.
Over the past 508 weeks of data, LOB has crossed below its 200-week moving average 9 times. On average, these episodes lasted 31 weeks. Historically, investors who bought LOB at the start of these episodes saw an average one-year return of +0.1%.
With a market cap of $1472 million, LOB is a small-cap stock. Return on equity stands at 9.4%. The stock trades at 1.3x book value.
Share count has increased 4.5% over three years, indicating dilution.
Over the past 9.8 years, a hypothetical investment of $100 in LOB would have grown to $238, compared to $364 for the S&P 500. LOB has returned 9.2% annualized vs 14.1% for the index, underperforming the broader market over this period.
Free cash flow has been volatile over the past several years, making the quality of earnings harder to assess.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: LOB vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After LOB Crosses Below the Line?
Across 8 historical episodes, buying LOB when it crossed below its 200-week moving average produced an average return of +1.3% after 12 months (median -4.0%), compared to +18.9% for the S&P 500 over the same periods. 14% of those episodes were profitable after one year. After 24 months, the average return was +52.8% vs +40.6% for the index.
Each line shows $100 invested at the moment LOB crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
LOB has crossed below its 200-week MA 9 times with an average 1-year return of +0.1% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Jun 2016 | Oct 2016 | 17 | 15.6% | +74.6% | +138.4% |
| Oct 2018 | Aug 2020 | 96 | 55.5% | -0.9% | +75.5% |
| Jun 2022 | Jul 2022 | 6 | 10.1% | -25.4% | -5.5% |
| Aug 2022 | Dec 2023 | 67 | 47.1% | -4.1% | -4.6% |
| Jan 2024 | Sep 2024 | 35 | 25.7% | -10.3% | -21.9% |
| Oct 2024 | Nov 2024 | 2 | 10.7% | -13.5% | -19.3% |
| Dec 2024 | Dec 2025 | 52 | 44.0% | -19.8% | -27.6% |
| Dec 2025 | Jan 2026 | 1 | 0.3% | N/A | -8.2% |
| Mar 2026 | Ongoing | 3+ | 7.0% | Ongoing | -5.0% |
| Average | 31 | — | +0.1% | — |
Frequently Asked Questions
Is LOB below its 200-week moving average?
Yes. As of 2026-03-20, Live Oak Bancshares, Inc. (LOB) is trading 7.0% below its 200-week moving average of $34.26. The current price is $31.85.
What is LOB's 200-week moving average price?
Live Oak Bancshares, Inc.'s 200-week moving average is $34.26 as of 2026-03-20. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when LOB drops below its 200-week moving average?
LOB has crossed below its 200-week moving average 9 times in our data. On average, buying at that moment produced a one-year return of +0.1%. These dips have historically been decent entry points. These episodes lasted 31 weeks on average.
Is LOB a good value right now?
Here's what our data says about LOB as of 2026-03-20: The stock is below its 200-week moving average, which is the starting point for our analysis. The 14-week RSI is 41. Return on equity is 9.4%. Price-to-book is 1.3x. This is not a buy or sell recommendation — always do your own research.
How does LOB compare to the S&P 500?
Over the past 9.8 years, $100 invested in LOB would have grown to $238, compared to $364 for the S&P 500. That's 9.2% annualized vs 14.1% for the index. LOB has underperformed the broader market over this period.
Does LOB pay a dividend?
Yes. Live Oak Bancshares, Inc. currently pays a dividend yield of 38.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-03-20