LOB
Price
$34.53
Change
+$0.04 (+0.12%)
Updated
Aug 15 closing price
Capitalization
1.58B
66 days until earnings call
PFS
Price
$18.76
Change
-$0.51 (-2.65%)
Updated
Aug 15 closing price
Capitalization
2.45B
68 days until earnings call
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LOB vs PFS

Header iconLOB vs PFS Comparison
Open Charts LOB vs PFSBanner chart's image
Live Oak Bancshares
Price$34.53
Change+$0.04 (+0.12%)
Volume$311.98K
Capitalization1.58B
Provident Financial Services
Price$18.76
Change-$0.51 (-2.65%)
Volume$720.51K
Capitalization2.45B
LOB vs PFS Comparison Chart in %
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LOB
Daily Signalchanged days ago
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PFS
Daily Signalchanged days ago
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LOB vs. PFS commentary
Aug 17, 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 PFS is a Hold.

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COMPARISON
Comparison
Aug 17, 2025
Stock price -- (LOB: $34.53 vs. PFS: $18.76)
Brand notoriety: LOB and PFS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: LOB: 123% vs. PFS: 107%
Market capitalization -- LOB: $1.58B vs. PFS: $2.45B
LOB [@Regional Banks] is valued at $1.58B. PFS’s [@Regional Banks] market capitalization is $2.45B. The market cap for tickers in the [@Regional Banks] industry ranges from $174.7B to $0. The average market capitalization across the [@Regional Banks] industry is $7.93B.

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 whilePFS’s FA Score has 2 green FA rating(s).

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

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 4 TA indicator(s) are bullish while PFS’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

LOB (@Regional Banks) experienced а +11.21% price change this week, while PFS (@Regional Banks) price change was +4.38% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +1.64%. For the same industry, the average monthly price growth was +2.46%, and the average quarterly price growth was +8.68%.

Reported Earning Dates

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

PFS is expected to report earnings on Oct 24, 2025.

Industries' Descriptions

@Regional Banks (+1.64% 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
PFS($2.45B) has a higher market cap than LOB($1.58B). LOB has higher P/E ratio than PFS: LOB (28.54) vs PFS (10.09). PFS YTD gains are higher at: 3.352 vs. LOB (-12.616). LOB has more cash in the bank: 744M vs. PFS (234M). LOB has less debt than PFS: LOB (110M) vs PFS (2.62B).
LOBPFSLOB / PFS
Capitalization1.58B2.45B64%
EBITDAN/AN/A-
Gain YTD-12.6163.352-376%
P/E Ratio28.5410.09283%
Revenue498MN/A-
Total Cash744M234M318%
Total Debt110M2.62B4%
FUNDAMENTALS RATINGS
LOB vs PFS: Fundamental Ratings
LOB
PFS
OUTLOOK RATING
1..100
2670
VALUATION
overvalued / fair valued / undervalued
1..100
85
Overvalued
21
Undervalued
PROFIT vs RISK RATING
1..100
7847
SMR RATING
1..100
1914
PRICE GROWTH RATING
1..100
5150
P/E GROWTH RATING
1..100
1192
SEASONALITY SCORE
1..100
272

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.

PFS's Valuation (21) in the Savings Banks industry is somewhat better than the same rating for LOB (85) in the Regional Banks industry. This means that PFS’s stock grew somewhat faster than LOB’s over the last 12 months.

PFS's Profit vs Risk Rating (47) in the Savings Banks industry is in the same range as LOB (78) in the Regional Banks industry. This means that PFS’s stock grew similarly to LOB’s over the last 12 months.

PFS's SMR Rating (14) in the Savings Banks industry is in the same range as LOB (19) in the Regional Banks industry. This means that PFS’s stock grew similarly to LOB’s over the last 12 months.

PFS's Price Growth Rating (50) in the Savings Banks industry is in the same range as LOB (51) in the Regional Banks industry. This means that PFS’s stock grew similarly to LOB’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 PFS (92) in the Savings Banks industry. This means that LOB’s stock grew significantly faster than PFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
LOBPFS
RSI
ODDS (%)
Bearish Trend 4 days ago
53%
Bearish Trend 4 days ago
72%
Stochastic
ODDS (%)
Bearish Trend 4 days ago
70%
Bearish Trend 4 days ago
52%
Momentum
ODDS (%)
Bullish Trend 4 days ago
68%
Bullish Trend 4 days ago
59%
MACD
ODDS (%)
Bullish Trend 4 days ago
60%
Bullish Trend 4 days ago
66%
TrendWeek
ODDS (%)
Bullish Trend 4 days ago
71%
Bullish Trend 4 days ago
65%
TrendMonth
ODDS (%)
Bullish Trend 4 days ago
73%
Bullish Trend 4 days ago
61%
Advances
ODDS (%)
Bullish Trend 4 days ago
69%
Bullish Trend 5 days ago
58%
Declines
ODDS (%)
Bearish Trend 11 days ago
75%
Bearish Trend 11 days ago
60%
BollingerBands
ODDS (%)
Bearish Trend 4 days ago
58%
Bearish Trend 4 days ago
60%
Aroon
ODDS (%)
Bullish Trend 4 days ago
76%
Bullish Trend 4 days ago
54%
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LOB
Daily Signalchanged days ago
Gain/Loss if bought
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PFS
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%
+1.11%
CATY - LOB
79%
Closely correlated
-0.23%
FFIN - LOB
78%
Closely correlated
+1.17%
AUB - LOB
78%
Closely correlated
-0.20%
BHLB - LOB
78%
Closely correlated
-1.12%
PFS - LOB
78%
Closely correlated
-0.21%
More

PFS and

Correlation & Price change

A.I.dvisor indicates that over the last year, PFS has been closely correlated with BHLB. These tickers have moved in lockstep 91% of the time. This A.I.-generated data suggests there is a high statistical probability that if PFS jumps, then BHLB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PFS
1D Price
Change %
PFS100%
-1.42%
BHLB - PFS
91%
Closely correlated
-1.52%
TCBK - PFS
89%
Closely correlated
-1.78%
FFBC - PFS
89%
Closely correlated
-1.08%
SBCF - PFS
88%
Closely correlated
-1.61%
WSFS - PFS
88%
Closely correlated
-1.48%
More