LOB
Live Oak Bancshares, Inc. Financial Services - Banks - Regional Investor Relations →
Live Oak Bancshares, Inc. (LOB) closed at $40.83 as of 2026-02-02, trading 18.4% above its 200-week moving average of $34.48. The stock moved further from the line this week, up from 15.8% last week. With a 14-week RSI of 78, LOB is in overbought territory.
Over the past 502 weeks of data, LOB has crossed below its 200-week moving average 8 times. On average, these episodes lasted 34 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 $1880 million, LOB is a small-cap stock. Return on equity stands at 9.4%. The stock trades at 1.6x book value.
Share count has increased 3.5% over three years, indicating dilution.
Over the past 9.8 years, a hypothetical investment of $100 in LOB would have grown to $305, compared to $387 for the S&P 500. LOB has returned 12.1% annualized vs 14.9% for the index, underperforming the broader market over this period.
Free cash flow has been declining. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
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 8 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% | +205.3% |
| Oct 2018 | Aug 2020 | 96 | 55.5% | -0.9% | +124.8% |
| Jun 2022 | Jul 2022 | 6 | 10.1% | -25.4% | +21.0% |
| Aug 2022 | Dec 2023 | 67 | 47.1% | -4.1% | +22.2% |
| Jan 2024 | Sep 2024 | 35 | 25.7% | -10.3% | N/A |
| Oct 2024 | Nov 2024 | 2 | 10.7% | -13.5% | +3.4% |
| Dec 2024 | Dec 2025 | 52 | 44.0% | -19.8% | -7.3% |
| Dec 2025 | Jan 2026 | 1 | 0.3% | N/A | +17.6% |
| Average | 34 | — | +0.1% | — |
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 Friday close, 2026-02-02