LOB
Price
$36.40
Change
+$0.60 (+1.68%)
Updated
Sep 25 closing price
Capitalization
1.66B
26 days until earnings call
UCB
Price
$31.64
Change
+$0.22 (+0.70%)
Updated
Sep 25 closing price
Capitalization
3.84B
25 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$36.40
Change+$0.60 (+1.68%)
Volume$378.78K
Capitalization1.66B
United Community Banks
Price$31.64
Change+$0.22 (+0.70%)
Volume$457.99K
Capitalization3.84B
LOB vs UCB Comparison Chart in %
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LOB
Daily Signalchanged days ago
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UCB
Daily Signalchanged days ago
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LOB vs. UCB commentary
Sep 26, 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 StrongBuy and UCB is a StrongBuy.

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COMPARISON
Comparison
Sep 26, 2025
Stock price -- (LOB: $36.40 vs. UCB: $31.65)
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: 32% vs. UCB: 17%
Market capitalization -- LOB: $1.66B vs. UCB: $3.84B
LOB [@Regional Banks] is valued at $1.66B. UCB’s [@Regional Banks] market capitalization is $3.84B. The market cap for tickers in the [@Regional Banks] industry ranges from $164.29B to $0. The average market capitalization across the [@Regional Banks] industry is $7.88B.

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

  • LOB’s TA Score: 4 bullish, 5 bearish.
  • UCB’s TA Score: 4 bullish, 5 bearish.
According to our system of comparison, both LOB and UCB are a bad buy in the short-term.

Price Growth

LOB (@Regional Banks) experienced а -2.30% price change this week, while UCB (@Regional Banks) price change was -2.28% 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 +0.92%, and the average quarterly price growth was +13.56%.

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($3.84B) has a higher market cap than LOB($1.67B). LOB has higher P/E ratio than UCB: LOB (30.08) vs UCB (14.38). UCB YTD gains are higher at: 0.403 vs. LOB (-7.718). LOB has more cash in the bank: 663M vs. UCB (202M). LOB has less debt than UCB: LOB (108M) vs UCB (155M).
LOBUCBLOB / UCB
Capitalization1.67B3.84B43%
EBITDAN/AN/A-
Gain YTD-7.7180.403-1,914%
P/E Ratio30.0814.38209%
Revenue517MN/A-
Total Cash663M202M328%
Total Debt108M155M70%
FUNDAMENTALS RATINGS
LOB vs UCB: Fundamental Ratings
LOB
UCB
OUTLOOK RATING
1..100
6853
VALUATION
overvalued / fair valued / undervalued
1..100
86
Overvalued
81
Overvalued
PROFIT vs RISK RATING
1..100
8252
SMR RATING
1..100
1913
PRICE GROWTH RATING
1..100
5153
P/E GROWTH RATING
1..100
1478
SEASONALITY SCORE
1..100
50n/a

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 (86). 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 in the same range as LOB (82). 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 (51) in the Regional Banks industry is in the same range as UCB (53). This means that LOB’s stock grew similarly to UCB’s over the last 12 months.

LOB's P/E Growth Rating (14) in the Regional Banks industry is somewhat better than the same rating for UCB (78). This means that LOB’s stock grew somewhat faster than UCB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
LOBUCB
RSI
ODDS (%)
Bearish Trend 3 days ago
67%
Bearish Trend 3 days ago
75%
Stochastic
ODDS (%)
Bullish Trend 3 days ago
73%
Bullish Trend 3 days ago
59%
Momentum
ODDS (%)
Bearish Trend 3 days ago
72%
Bearish Trend 3 days ago
60%
MACD
ODDS (%)
Bearish Trend 3 days ago
78%
Bearish Trend 3 days ago
59%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
77%
Bearish Trend 3 days ago
68%
TrendMonth
ODDS (%)
Bearish Trend 3 days ago
78%
Bearish Trend 3 days ago
65%
Advances
ODDS (%)
Bullish Trend 9 days ago
69%
Bullish Trend 9 days ago
60%
Declines
ODDS (%)
Bearish Trend 3 days ago
76%
Bearish Trend 4 days ago
69%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
81%
Bullish Trend 3 days ago
69%
Aroon
ODDS (%)
Bullish Trend 3 days ago
71%
Bullish Trend 3 days ago
49%
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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%
+1.66%
CATY - LOB
79%
Closely correlated
-0.37%
AUB - LOB
78%
Closely correlated
-0.17%
PFS - LOB
78%
Closely correlated
-0.05%
UCB - LOB
77%
Closely correlated
+0.73%
FFIN - LOB
77%
Closely correlated
-0.61%
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%
+0.73%
FNB - UCB
92%
Closely correlated
-0.19%
HWC - UCB
91%
Closely correlated
+0.30%
FULT - UCB
91%
Closely correlated
+0.29%
TRMK - UCB
91%
Closely correlated
-0.47%
AUB - UCB
91%
Closely correlated
-0.17%
More