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Live Oak Bancshares, Inc.

Stage 4 · Declining · week 1⚠ 3→4 today

As of Oct 22, 2026, Live Oak Bancshares is in Stage 4, the downtrend phase, now in its first week (since Oct 22, 2026). It closed at $35.71, 18.3% below its 52-week high and below its 200-day average, which is rising.

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. More about the company

$35.71
+2.03% today
$1.7B · Small cap
Market Neutral — Building

Pro read

Pro

Our read

Declining, below its long-term trend

Setup score

—

Momentum

Steady

Edge

—

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Loading price chart…
Stage Cycle Timeline2023-08-16 → 2026-10-22
S2 15w
S2 17w
S4 18w
S2 16w
2023-08-162026-10-22
S1S2S3S4Setup score (0–10, dashed line at 5)
S2 8w → S3 7w → S2 15w → S3 13w → S4 5w → S1 4w → S2 17w → S3 7w → S4 18w → S1 11w → S2 9w → S3 9w → S2 10w → S3 7w → S4 3w → S2 16w → S3 5w → S4 1w current
Total tracked: 165 weeks across 18 stage runs.

LOB among Banks - Regional286th of 319 by relative strength

All 319 →
Stocks in Banks - Regional ranked by relative strength, with stage and one-month change
#StockStageRS1M
1OPHCStage 2 · wk 3896−1.0%
2MSBIStage 2 · wk 4395+1.8%
3CMTVStage 2 · wk 7294+11.5%
4VBNKStage 2 · wk 2594−0.9%
5AMALStage 3 · wk 294+8.1%
6BOTJStage 2 · wk 5893+9.0%
7ATLOStage 2 · wk 6892+9.5%
8RBKBStage 2 · wk 3892+0.9%
…286LOBStage 4 · wk 157−3.7%
vs 52W High
-18.3%
$29.31 lo$43.73 hi
18.3% below 52W high, ongoing decline
In Stage 4, distance from the 52-week high reflects an ongoing decline, not a discount.
Stage Maturity
Week 1
1w13w26w
Week 1, early Stage 4 decline
How long this stock has been in Stage 4 decline. The longer the downtrend, the more entrenched the selling pressure. No length of decline marks a bottom on its own.
vs 200 DMA
-6.3%
200 DMA: $38.10 · rising
In Stage 4, the stock is below its 200-day average, the hallmark of a downtrend. Stage analysis waits for that to reverse before buying.
Rel Volume
2.30x
vs 50-day avg
High volume on down days in Stage 4 confirms institutional selling. Low-volume bounces are typical. They lack real buyers and are easy to mistake for reversals.
Trend Health
↓
Short-term trend rolling over
Two reads of momentum. The arrow shows the direction of the short-term trend: rising (↑ or ↗), flat (→) or rolling over (↓). The ⇈ mark appears when our trend model reads the move as gaining speed on top of the longer trend. Strongest when both agree.
1M
-3.7%
3M
-15.1%
6M
-4.6%
YTD
+3.1%
1Y
+3.0%
Scan Membership
Breakout Watch
Latest: 2024-08-19
8 appearances in last 60 days. First seen: 2019-07-29.
A stock that keeps qualifying week after week does so because its Stage 2 structure keeps holding. Staying power in the scan says more about the trend than any single appearance.
Recent Stage Timeline
2026-10-22S43→4
Wk 1 · Vol 2.30x
2026-10-21S3
Wk 5 · Vol 0.91x
2026-10-20S3
Wk 5 · Vol 0.94x
2026-10-19S3
Wk 5 · Vol 0.86x
2026-10-16S3
Wk 5 · Vol 1.31x
2026-10-15S3
Wk 4 · Vol 1.18x
2026-10-14S3
Wk 4 · Vol 1.33x
2026-10-13S3
Wk 4 · Vol 0.77x
2026-10-12S3
Wk 4 · Vol 0.70x
2026-10-09S3
Wk 4 · Vol 1.10x
2026-10-08S3
Wk 3 · Vol 1.84x
2026-10-07S3
Wk 3 · Vol 2.08x
Moving averages & range
50 DMA
$38.06
200 DMA
$38.10
52W High
$43.73
52W Low
$29.31
5D Low
$34.45
Resistance levels (recent highs)
20d High
$37.48
60d High
$43.73
120d High
$43.73
250d High
$43.73
Next resistance
+5.0%
to 20d High
P/E (TTM)
12.5
Forward 8.4
Earnings Growth (YoY)
+45.1%
Revenue +12.2%
ROE
+11.7%
Profit margin +26.5%
Dividend Yield
0.34%
P/B 1.4

Live Oak Bancshares: quick answers

What stage is Live Oak Bancshares in?

As of Oct 22, 2026, Live Oak Bancshares (LOB) is in Stage 4, the downtrend phase. It entered Stage 4 on Oct 22, 2026 and is in its first week there. What the four stages mean

Is Live Oak Bancshares in an uptrend?

No. Live Oak Bancshares is in a Stage 4 downtrend. It trades 6.3% below its 200-day average, which is rising.

How far is Live Oak Bancshares from its 52-week high?

Live Oak Bancshares closed at $35.71 on Oct 22, 2026, 18.3% below its 52-week high of $43.73. Its 52-week low is $29.31.

How has Live Oak Bancshares performed over the past year?

As of Oct 22, 2026, Live Oak Bancshares is up 3.0% over the past year and up 3.1% so far in 2026.

Which sector and industry is Live Oak Bancshares in?

Live Oak Bancshares is in the Banks - Regional industry, part of the Financials sector.

About this companyFinancials· Banks - Regional

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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All analytics based on EOD data. Data as of 2026-10-22. Past data patterns are not indicative of future results. This page is a data analytics tool only.