LOB Should I Buy
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Live Oak Bancshares Inc (LOB) is a good buy for a beginner investor with a long-term strategy and $50,000-$100,000 available for investment. The company's strong financial performance, bullish moving averages, and favorable analyst ratings outweigh the insider selling trend. The stock's technical indicators and options data suggest a neutral to slightly positive sentiment, making it a reasonable entry point for long-term growth.
The stock's MACD histogram is negative and expanding, indicating bearish momentum. RSI is neutral at 47.027, suggesting no clear overbought or oversold condition. Moving averages are bullish (SMA_5 > SMA_20 > SMA_200), and the stock is trading near its pivot level of 40.802, with support at 39.461 and resistance at 42.143.
Strong financial performance in Q4 2025, with revenue up 6.99% YoY, net income up 345.62% YoY, and EPS up 352.38% YoY.
Bullish moving averages and a favorable price trend.
Analysts maintain a Buy/Outperform rating with price targets of $47 and $51.
Insider selling has increased by 117.02% over the last month.
No recent news or event-driven catalysts.
MACD indicates bearish momentum.
In Q4 2025, Live Oak Bancshares reported a revenue increase of 6.99% YoY to $133.39M, net income surged 345.62% YoY to $44.12M, and EPS rose 352.38% YoY to 0.95. Gross margin remained unchanged.
Analysts have maintained positive ratings with recent price target adjustments: TD Cowen lowered the target to $51 from $53, and Keefe Bruyette raised it to $47 from $43. Both firms maintain Buy/Outperform ratings.
