LOB
Price
$38.65
Change
+$1.11 (+2.96%)
Updated
Sep 4 closing price
Capitalization
1.77B
47 days until earnings call
UCB
Price
$33.56
Change
+$0.58 (+1.76%)
Updated
Sep 4, 04:59 PM (EDT)
Capitalization
4.08B
47 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$38.65
Change+$1.11 (+2.96%)
Volume$266.34K
Capitalization1.77B
United Community Banks
Price$33.56
Change+$0.58 (+1.76%)
Volume$4.58K
Capitalization4.08B
LOB vs UCB Comparison Chart in %
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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
Sep 05, 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 Buy and UCB is a Buy.

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COMPARISON
Comparison
Sep 05, 2025
Stock price -- (LOB: $38.65 vs. UCB: $33.58)
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: 99% vs. UCB: 57%
Market capitalization -- LOB: $1.77B vs. UCB: $4.08B
LOB [@Regional Banks] is valued at $1.77B. UCB’s [@Regional Banks] market capitalization is $4.08B. The market cap for tickers in the [@Regional Banks] industry ranges from $167.63B to $0. The average market capitalization across the [@Regional Banks] industry is $7.8B.

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, both LOB and UCB are a good buy in the long-term.

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 6 bullish TA indicator(s).

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

Price Growth

LOB (@Regional Banks) experienced а -0.10% price change this week, while UCB (@Regional Banks) price change was +0.27% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.60%. For the same industry, the average monthly price growth was +5.34%, and the average quarterly price growth was +13.34%.

Reported Earning Dates

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

UCB is expected to report earnings on Oct 21, 2025.

Industries' Descriptions

@Regional Banks (+0.60% 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($4.08B) has a higher market cap than LOB($1.77B). LOB has higher P/E ratio than UCB: LOB (31.94) vs UCB (15.26). UCB YTD gains are higher at: 3.815 vs. LOB (-2.000). LOB has more cash in the bank: 663M vs. UCB (198M). LOB has less debt than UCB: LOB (108M) vs UCB (155M). UCB has higher revenues than LOB: UCB (953M) vs LOB (517M).
LOBUCBLOB / UCB
Capitalization1.77B4.08B43%
EBITDAN/AN/A-
Gain YTD-2.0003.815-52%
P/E Ratio31.9415.26209%
Revenue517M953M54%
Total Cash663M198M335%
Total Debt108M155M70%
FUNDAMENTALS RATINGS
LOB vs UCB: Fundamental Ratings
LOB
UCB
OUTLOOK RATING
1..100
858
VALUATION
overvalued / fair valued / undervalued
1..100
87
Overvalued
82
Overvalued
PROFIT vs RISK RATING
1..100
7949
SMR RATING
1..100
1913
PRICE GROWTH RATING
1..100
4146
P/E GROWTH RATING
1..100
1179
SEASONALITY SCORE
1..100
n/a50

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 (82) in the Regional Banks industry is in the same range as LOB (87). This means that UCB’s stock grew similarly to LOB’s over the last 12 months.

UCB's Profit vs Risk Rating (49) in the Regional Banks industry is in the same range as LOB (79). This means that UCB’s stock grew similarly to 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.

LOB's Price Growth Rating (41) in the Regional Banks industry is in the same range as UCB (46). This means that LOB’s stock grew similarly to UCB’s over the last 12 months.

LOB's P/E Growth Rating (11) in the Regional Banks industry is significantly better than the same rating for UCB (79). This means that LOB’s stock grew significantly faster than UCB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
LOBUCB
RSI
ODDS (%)
Bearish Trend 1 day ago
59%
Bearish Trend 2 days ago
70%
Stochastic
ODDS (%)
Bearish Trend 1 day ago
66%
Bearish Trend 2 days ago
63%
Momentum
ODDS (%)
Bullish Trend 1 day ago
78%
Bullish Trend 2 days ago
55%
MACD
ODDS (%)
Bullish Trend 1 day ago
76%
Bullish Trend 2 days ago
61%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
71%
Bearish Trend 2 days ago
69%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
72%
Bullish Trend 2 days ago
58%
Advances
ODDS (%)
Bullish Trend 8 days ago
69%
Bullish Trend 9 days ago
60%
Declines
ODDS (%)
Bearish Trend 2 days ago
76%
Bearish Trend 2 days ago
70%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
52%
Bearish Trend 2 days ago
64%
Aroon
ODDS (%)
Bullish Trend 1 day ago
71%
Bullish Trend 2 days ago
55%
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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
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LOB and

Correlation & Price change

A.I.dvisor indicates that over the last year, LOB has been closely correlated with CATY. These tickers have moved in lockstep 79% of the time. This A.I.-generated data suggests there is a high statistical probability that if LOB jumps, then CATY could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To LOB
1D Price
Change %
LOB100%
+2.96%
CATY - LOB
79%
Closely correlated
+1.09%
CADE - LOB
79%
Closely correlated
+1.42%
AUB - LOB
78%
Closely correlated
+1.27%
FFIN - LOB
78%
Closely correlated
+1.72%
PPBI - LOB
77%
Closely correlated
N/A
More

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.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UCB
1D Price
Change %
UCB100%
-0.36%
FNB - UCB
92%
Closely correlated
+0.55%
HWC - UCB
92%
Closely correlated
+0.17%
WSFS - UCB
92%
Closely correlated
-0.35%
UBSI - UCB
91%
Closely correlated
+0.13%
ABCB - UCB
91%
Closely correlated
+0.26%
More