Live Oak Bancshares AI Price Prediction

With EPS of 2.23 and a PE ratio of 17.71, Live Oak Bancshares appears reasonably valued relative to a profitable regional/SMB-focused bank, but the data provided does not show growth rates or margin trends. The valuation suggests the market is pricing in moderate earnings stability and some growth, but not high-growth tech-like expectations. In the absence of detailed revenue and net income trends, the financial view is balanced rather than clearly positive or negative.

• EPS of 2.23 indicates solid underlying profitability, implying the bank is generating meaningful earnings on a per-share basis.
• A PE ratio of 17.71 is in a moderate range for a profitable financial institution, suggesting the stock is neither deeply discounted nor priced for aggressive growth.
• Lack of explicit revenue, gross profit, and net income trend data limits conviction; current metrics point to a steady, reasonably valued franchise rather than an obviously undervalued or overvalued one.

The stock is trading at $39.50, up 13.8% over the last month and above its 200-day moving average of $32.46, which is a structurally positive trend signal. However, the RSI at 32.31 is near oversold territory, indicating recent selling pressure or consolidation after the run-up. Together, these mixed signals point to a neutral near-term technical outlook: longer-term trend constructive, short-term momentum cautious.

• Price at $39.50 vs. a 200-day moving average of $32.46 shows the stock is trading well above its longer-term trend, a generally bullish longer-term technical signal.
• A 13.8% gain in the last month indicates strong recent performance, but may also raise the risk of short-term mean reversion or profit-taking.
• RSI at 32.31 is close to the oversold threshold (30), suggesting recent weakness or consolidation and tempering the otherwise positive trend above the 200-day moving average.

Alternative data for Live Oak Bancshares is broadly stable to slightly positive, with modest growth in most social media channels and flat job postings. Web traffic appears low and we lack a time series to assess momentum, while hiring and follower trends do not indicate either aggressive expansion or contraction. Overall, these signals suggest a steady but not strongly accelerating business and brand presence.

• Web traffic at an estimated 2,181 visitors per month is relatively modest for a listed financial institution, and without growth data it does not clearly support a strong demand acceleration thesis.
• Job openings at 4 with 0.0% month-over-month change point to stable hiring rather than rapid expansion or retrenchment, implying a steady operational footprint.
• Social media presence is growing slowly on most platforms (Instagram +1.6%, Facebook +0.3%, YouTube +0.6%, LinkedIn +1.4% over 90 days, Twitter/X flat), indicating incremental brand engagement but not a major inflection in customer or market interest.

Taken together, Live Oak Bancshares shows a reasonably valued, profitable profile with a stock trading above its long-term average but facing near-term technical softness and only modest alternative data momentum. The signals do not strongly support either a distinctly bullish or bearish stance at this time. Overall, the setup appears balanced, with moderate upside potential offset by recent price strength and only incremental evidence of accelerating business activity.

• Fundamentals and valuation (EPS and PE) suggest a stable, fairly valued bank rather than a clear mispricing opportunity.
• Technicals show a constructive long-term trend above the 200-day moving average, but the low RSI and recent run-up argue for caution and a neutral stance near term.