FFIN
Price
$37.33
Change
+$0.54 (+1.47%)
Updated
Jul 18, 04:59 PM (EDT)
Capitalization
4.68B
89 days until earnings call
LOB
Price
$31.74
Change
-$0.47 (-1.46%)
Updated
Jul 18 closing price
Capitalization
1.86B
4 days until earnings call
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FFIN vs LOB

Header iconFFIN vs LOB Comparison
Open Charts FFIN vs LOBBanner chart's image
First Financial Bankshares
Price$37.33
Change+$0.54 (+1.47%)
Volume$13.22K
Capitalization4.68B
Live Oak Bancshares
Price$31.74
Change-$0.47 (-1.46%)
Volume$201.02K
Capitalization1.86B
FFIN vs LOB Comparison Chart in %
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FFIN
Daily Signalchanged days ago
Gain/Loss if bought
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LOB
Daily Signalchanged days ago
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FFIN vs. LOB commentary
Jul 19, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FFIN is a Hold and LOB is a Hold.

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COMPARISON
Comparison
Jul 19, 2025
Stock price -- (FFIN: $36.79 vs. LOB: $32.21)
Brand notoriety: FFIN and LOB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FFIN: 108% vs. LOB: 102%
Market capitalization -- FFIN: $4.68B vs. LOB: $1.86B
FFIN [@Regional Banks] is valued at $4.68B. LOB’s [@Regional Banks] market capitalization is $1.86B. The market cap for tickers in the [@Regional Banks] industry ranges from $133.96B to $0. The average market capitalization across the [@Regional Banks] industry is $6.04B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

FFIN’s FA Score shows that 1 FA rating(s) are green whileLOB’s FA Score has 2 green FA rating(s).

  • FFIN’s FA Score: 1 green, 4 red.
  • LOB’s FA Score: 2 green, 3 red.
According to our system of comparison, LOB is a better buy in the long-term than FFIN.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

FFIN’s TA Score shows that 2 TA indicator(s) are bullish while LOB’s TA Score has 2 bullish TA indicator(s).

  • FFIN’s TA Score: 2 bullish, 5 bearish.
  • LOB’s TA Score: 2 bullish, 5 bearish.
According to our system of comparison, both FFIN and LOB are a bad buy in the short-term.

Price Growth

FFIN (@Regional Banks) experienced а -1.74% price change this week, while LOB (@Regional Banks) price change was -1.04% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.33%. For the same industry, the average monthly price growth was +5.35%, and the average quarterly price growth was +9.88%.

Reported Earning Dates

FFIN is expected to report earnings on Oct 16, 2025.

LOB is expected to report earnings on Oct 22, 2025.

Industries' Descriptions

@Regional Banks (+0.33% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
FFIN($4.68B) has a higher market cap than LOB($1.86B). LOB has higher P/E ratio than FFIN: LOB (24.73) vs FFIN (23.21). FFIN YTD gains are higher at: 3.129 vs. LOB (-18.393). LOB has more cash in the bank: 535M vs. FFIN (281M). FFIN has less debt than LOB: FFIN (21.1M) vs LOB (23.4M). FFIN has higher revenues than LOB: FFIN (478M) vs LOB (434M).
FFINLOBFFIN / LOB
Capitalization4.68B1.86B252%
EBITDAN/AN/A-
Gain YTD3.129-18.393-17%
P/E Ratio23.2124.7394%
Revenue478M434M110%
Total Cash281M535M53%
Total Debt21.1M23.4M90%
FUNDAMENTALS RATINGS
FFIN vs LOB: Fundamental Ratings
FFIN
LOB
OUTLOOK RATING
1..100
1121
VALUATION
overvalued / fair valued / undervalued
1..100
98
Overvalued
85
Overvalued
PROFIT vs RISK RATING
1..100
7379
SMR RATING
1..100
1315
PRICE GROWTH RATING
1..100
5249
P/E GROWTH RATING
1..100
6321
SEASONALITY SCORE
1..100
n/a30

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

LOB's Valuation (85) in the Regional Banks industry is in the same range as FFIN (98). This means that LOB’s stock grew similarly to FFIN’s over the last 12 months.

FFIN's Profit vs Risk Rating (73) in the Regional Banks industry is in the same range as LOB (79). This means that FFIN’s stock grew similarly to LOB’s over the last 12 months.

FFIN's SMR Rating (13) in the Regional Banks industry is in the same range as LOB (15). This means that FFIN’s stock grew similarly to LOB’s over the last 12 months.

LOB's Price Growth Rating (49) in the Regional Banks industry is in the same range as FFIN (52). This means that LOB’s stock grew similarly to FFIN’s over the last 12 months.

LOB's P/E Growth Rating (21) in the Regional Banks industry is somewhat better than the same rating for FFIN (63). This means that LOB’s stock grew somewhat faster than FFIN’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FFINLOB
RSI
ODDS (%)
N/A
Bearish Trend 1 day ago
66%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
65%
Bearish Trend 1 day ago
75%
Momentum
ODDS (%)
Bearish Trend 2 days ago
60%
Bearish Trend 1 day ago
84%
MACD
ODDS (%)
Bearish Trend 2 days ago
69%
Bearish Trend 1 day ago
76%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
59%
Bearish Trend 1 day ago
77%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
64%
Bullish Trend 1 day ago
73%
Advances
ODDS (%)
Bullish Trend 2 days ago
63%
Bullish Trend 2 days ago
69%
Declines
ODDS (%)
Bearish Trend 19 days ago
61%
N/A
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
73%
Bearish Trend 1 day ago
60%
Aroon
ODDS (%)
Bullish Trend 2 days ago
61%
Bullish Trend 1 day ago
79%
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FFIN
Daily Signalchanged days ago
Gain/Loss if bought
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LOB
Daily Signalchanged days ago
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FFIN and

Correlation & Price change

A.I.dvisor indicates that over the last year, FFIN has been closely correlated with UBSI. These tickers have moved in lockstep 93% of the time. This A.I.-generated data suggests there is a high statistical probability that if FFIN jumps, then UBSI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FFIN
1D Price
Change %
FFIN100%
+1.29%
UBSI - FFIN
93%
Closely correlated
N/A
STBA - FFIN
91%
Closely correlated
+1.21%
HOPE - FFIN
91%
Closely correlated
+1.69%
IBOC - FFIN
91%
Closely correlated
+1.98%
CATY - FFIN
90%
Closely correlated
+1.39%
More