LOB
Price
$35.39
Change
+$0.68 (+1.96%)
Updated
Oct 6 closing price
Capitalization
1.62B
15 days until earnings call
UCB
Price
$31.85
Change
+$0.34 (+1.08%)
Updated
Oct 6, 04:59 PM (EDT)
Capitalization
3.87B
15 days until earnings call
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LOB vs UCB

Header iconLOB vs UCB Comparison
Open Charts LOB vs UCBBanner chart's image
Live Oak Bancshares
Price$35.39
Change+$0.68 (+1.96%)
Volume$217.89K
Capitalization1.62B
United Community Banks
Price$31.85
Change+$0.34 (+1.08%)
Volume$6.63K
Capitalization3.87B
LOB vs UCB Comparison Chart in %
LOB
Daily Signalchanged days ago
Gain/Loss if bought
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UCB
Daily Signalchanged days ago
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LOB vs. UCB commentary
Oct 07, 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 LOB is a Hold and UCB is a Hold.

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COMPARISON
Comparison
Oct 07, 2025
Stock price -- (LOB: $35.39 vs. UCB: $31.85)
Brand notoriety: LOB and UCB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: LOB: 77% vs. UCB: 97%
Market capitalization -- LOB: $1.62B vs. UCB: $3.87B
LOB [@Regional Banks] is valued at $1.62B. UCB’s [@Regional Banks] market capitalization is $3.87B. The market cap for tickers in the [@Regional Banks] industry ranges from $168.54B to $0. The average market capitalization across the [@Regional Banks] industry is $7.9B.

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).

LOB’s FA Score shows that 2 FA rating(s) are green whileUCB’s FA Score has 1 green FA rating(s).

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

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.

LOB’s TA Score shows that 5 TA indicator(s) are bullish while UCB’s TA Score has 4 bullish TA indicator(s).

  • LOB’s TA Score: 5 bullish, 5 bearish.
  • UCB’s TA Score: 4 bullish, 6 bearish.
According to our system of comparison, LOB is a better buy in the short-term than UCB.

Price Growth

LOB (@Regional Banks) experienced а -1.23% price change this week, while UCB (@Regional Banks) price change was +1.30% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.29%. For the same industry, the average monthly price growth was +0.48%, and the average quarterly price growth was +18.55%.

Reported Earning Dates

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

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

Industries' Descriptions

@Regional Banks (+0.29% 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
UCB($3.87B) has a higher market cap than LOB($1.62B). LOB has higher P/E ratio than UCB: LOB (29.25) vs UCB (14.48). UCB YTD gains are higher at: 1.038 vs. LOB (-10.266). LOB has more cash in the bank: 663M vs. UCB (202M). LOB has less debt than UCB: LOB (108M) vs UCB (155M). UCB has higher revenues than LOB: UCB (953M) vs LOB (517M).
LOBUCBLOB / UCB
Capitalization1.62B3.87B42%
EBITDAN/AN/A-
Gain YTD-10.2661.038-989%
P/E Ratio29.2514.48202%
Revenue517M953M54%
Total Cash663M202M328%
Total Debt108M155M70%
FUNDAMENTALS RATINGS
LOB vs UCB: Fundamental Ratings
LOB
UCB
OUTLOOK RATING
1..100
6760
VALUATION
overvalued / fair valued / undervalued
1..100
85
Overvalued
81
Overvalued
PROFIT vs RISK RATING
1..100
8552
SMR RATING
1..100
1913
PRICE GROWTH RATING
1..100
5552
P/E GROWTH RATING
1..100
2381
SEASONALITY SCORE
1..100
n/a85

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.

UCB's Valuation (81) in the Regional Banks industry is in the same range as LOB (85). This means that UCB’s stock grew similarly to LOB’s over the last 12 months.

UCB's Profit vs Risk Rating (52) in the Regional Banks industry is somewhat better than the same rating for LOB (85). This means that UCB’s stock grew somewhat faster than LOB’s over the last 12 months.

UCB's SMR Rating (13) in the Regional Banks industry is in the same range as LOB (19). This means that UCB’s stock grew similarly to LOB’s over the last 12 months.

UCB's Price Growth Rating (52) in the Regional Banks industry is in the same range as LOB (55). This means that UCB’s stock grew similarly to LOB’s over the last 12 months.

LOB's P/E Growth Rating (23) in the Regional Banks industry is somewhat better than the same rating for UCB (81). This means that LOB’s stock grew somewhat faster than UCB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
LOBUCB
RSI
ODDS (%)
Bullish Trend 4 days ago
82%
Bearish Trend 4 days ago
78%
Stochastic
ODDS (%)
Bullish Trend 4 days ago
66%
Bullish Trend 4 days ago
61%
Momentum
ODDS (%)
Bearish Trend 4 days ago
70%
Bearish Trend 4 days ago
71%
MACD
ODDS (%)
Bearish Trend 4 days ago
78%
Bearish Trend 4 days ago
68%
TrendWeek
ODDS (%)
Bearish Trend 4 days ago
78%
Bearish Trend 4 days ago
68%
TrendMonth
ODDS (%)
Bearish Trend 4 days ago
78%
Bearish Trend 4 days ago
65%
Advances
ODDS (%)
Bullish Trend 19 days ago
69%
Bullish Trend 4 days ago
59%
Declines
ODDS (%)
Bearish Trend 5 days ago
76%
Bearish Trend 6 days ago
69%
BollingerBands
ODDS (%)
Bullish Trend 4 days ago
84%
Bullish Trend 4 days ago
67%
Aroon
ODDS (%)
Bearish Trend 4 days ago
82%
Bearish Trend 4 days ago
66%
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LOB
Daily Signalchanged days ago
Gain/Loss if bought
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UCB
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
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UCB and

Correlation & Price change

A.I.dvisor indicates that over the last year, UCB has been closely correlated with FNB. These tickers have moved in lockstep 92% of the time. This A.I.-generated data suggests there is a high statistical probability that if UCB jumps, then FNB could also see price increases.

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Ticker /
NAME
Correlation
To UCB
1D Price
Change %
UCB100%
+1.08%
FNB - UCB
92%
Closely correlated
+1.35%
WSFS - UCB
92%
Closely correlated
+1.09%
UBSI - UCB
91%
Closely correlated
+1.05%
HWC - UCB
91%
Closely correlated
+0.93%
FULT - UCB
91%
Closely correlated
+1.85%
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