Stock Ratings / Financials / LOB / options

CASH (69) BFC (55) NBHC (72) QCRH (69) ⌘ Pro Terminal →

Live Oak Bancshares Inc. (LOB) Options Positioning, Max Pain & Unusual Sweeps

$35.07 +1.18% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $35.23

Live Oak Bancshares Inc. (LOB) earns a Roarable Rating of B- (Buy) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 9% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate) →

ROARABLE B- • BUY Cap $1.62B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on LOB Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is LOB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-01, Live Oak Bancshares Inc. (NYSE: LOB) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $35.07 (+1.18% 1D, market cap $1.62B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, LOB ranks #119 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does LOB compare to CASH and BFC in the Financials sector?

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Within the Financials sector (Major Banks), LOB carries a Roarable B- (71/100 RQD), trailing P/E of 15.3x, gross margin of —, and ROIC of 8.5%. By comparison, CASH (Pathward Financial Inc.) holds a C+ grade (69/100 RQD, P/E 8.6x, ROIC 21.8%, cap $1.59B) and BFC (Bank First Corporation) posts a D+ grade (55/100 RQD, P/E 23.4x, ROIC 11.1%, cap $1.67B). Among the 5-stock peer group, CASH leads on earnings multiple (8.6x) while CASH leads on capital efficiency (21.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for LOB?

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Per LOB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001462120), Live Oak Bancshares Inc. generated $0 in revenue, $105.9M in net income, and $143.5M in free cash flow against $15.13B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $35.23 (+0.45%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 3.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 71/100 (B-) historically ranked in the Top 14% of excess returns over the next 90 days (+6.8% avg 90D alpha vs SPY • 68.4% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B- · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+5.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for LOB)Realized 20D OHLCV Swing Band: ±6.4%

Deterministic 5-Pillar Attribution (71/100 Composite)

🔍 WHY LOB SCORES 71/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (23% of score)

FRED Regime × Technicals: 38% of 52W Range • RSI-14 at 37.7 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$34.48+1.2% Next Q

Q2 (-2Q)

Grade B-$34.91+0.7% Next Q

Q3 (-1Q)

Grade B-$35.15-0.2% Next Q

Current

Grade B-$35.07+6.8% Hist 90D α

Trajectory: C+ (63) → B- (71)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the LOB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 71/100 (B-) score, LOB faces multiple-compression risk if 15.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($37.17) or 200D SMA ($38.10) invalidates the momentum regime and cuts Target Base ($37.12) toward Bear Floor ($28.76).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $LOB• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “LOB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 71%NO 29%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±6.4%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (LOB)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for LOB.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating LOB & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on LOB
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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LOB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -6.73%▼ DESCENDING CHANNEL

2026-10-30O $35.17H $35.27L $34.29C $35.07VOL 173.9K

RES: $36.05SUP: $32.38SMA50: $37.17SMA200: $38.10

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

LOB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 LOB Butterfly Map → + Track LOB →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

7.6%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on LOB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for LOB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for LOB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (LOB)

Financials Rank #119 of 1096 ⚔️ CASH vs LOB Full Matrix →

1. Head-to-Head Financials Peer Comparison (LOB vs. CASH, BFC, NBHC, QCRH)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Live Oak Bancshares Inc. (LOB) ranks #119 by composite RQD confidence (71/100, grade B-) and #470 by equity capitalization ($1.62B). Within this direct 5-issuer industry benchmark cohort, CASH leads on earnings valuation at 8.6x trailing P/E, while CASH leads on capital efficiency and profitability with 21.8% ROIC and — gross margin. NBHC currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with LOB at 71/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
LOB ACTIVE Live Oak Bancshares Inc.	B-	71/100	15.3x	—	8.5%	+1.18%	$1.62B	Benchmark Subject
CASH Pathward Financial Inc.	C+	69/100	8.6x	—	21.8%	+0.88%	$1.59B	/cash-vs-lob →
BFC Bank First Corporation	D+	55/100	23.4x	—	11.1%	+1.85%	$1.67B	/bfc-vs-lob →
NBHC National Bank Holdings Corporation	B	72/100	15.3x	—	7.9%	+0.21%	$1.67B	/nbhc-vs-lob →
QCRH QCR Holdings Inc.	C+	69/100	13.2x	—	11.4%	+1.37%	$1.68B	/qcrh-vs-lob →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001462120

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Live Oak Bancshares Inc. (LOB) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $105.9M, operating cash flow of $158.2M, and free cash flow of $143.5M (+33.5% YoY). On the balance sheet, LOB closed FY2025 with $15.13B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$105.9M	$158.2M	$143.5M	$15.13B	—
FY2024 (FY)	2024-12-31	$0	$77.5M	$156.8M	$107.5M	$12.94B	—
FY2023 (FY)	2023-12-31	$0	$73.9M	$184.9M	$184.9M	—	—

3. LOB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is LOB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does LOB compare to CASH and BFC in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for LOB?

Where is LOB trading relative to its 50-day, 200-day, and 52-week technical levels?

LOB last traded at $35.07 (+1.18% on volume of 243,240 shares), positioning the stock -5.65% below its 50-day simple moving average ($37.17) and -7.95% below its 200-day simple moving average ($38.10). Across its 52-week range of $29.36 to $44.53, LOB sits at the 37.6% percentile with a 14-day RSI of 37.7 (NEUTRAL RANGE) and an implied next-earnings move of ±6.4% ($32.83 to $37.31).

LOB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is LOB's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for LOB.

Direct Sub-Reports: LOB RQD Cockpit LOB 12M Forecast LOB Earnings & Move LOB Dividends & DRIP LOB Insiders & 13F LOB Whale Options LOB Profit Sankey LOB News & Why