LC
Price
$14.88
Change
-$0.11 (-0.73%)
Updated
Aug 11, 04:59 PM (EDT)
Capitalization
1.71B
71 days until earnings call
UMBF
Price
$109.80
Change
-$0.38 (-0.34%)
Updated
Aug 11 closing price
Capitalization
8.34B
77 days until earnings call
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LC vs UMBF

Header iconLC vs UMBF Comparison
Open Charts LC vs UMBFBanner chart's image
LendingClub
Price$14.88
Change-$0.11 (-0.73%)
Volume$17.18K
Capitalization1.71B
UMB Financial
Price$109.80
Change-$0.38 (-0.34%)
Volume$322.18K
Capitalization8.34B
LC vs UMBF Comparison Chart in %
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LC
Daily Signalchanged days ago
Gain/Loss if bought
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UMBF
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LC vs. UMBF commentary
Aug 12, 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 LC is a StrongBuy and UMBF is a Hold.

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COMPARISON
Comparison
Aug 12, 2025
Stock price -- (LC: $14.99 vs. UMBF: $110.18)
Brand notoriety: LC and UMBF are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: LC: 66% vs. UMBF: 65%
Market capitalization -- LC: $1.71B vs. UMBF: $8.34B
LC [@Regional Banks] is valued at $1.71B. UMBF’s [@Regional Banks] market capitalization is $8.34B. The market cap for tickers in the [@Regional Banks] industry ranges from $174.83B to $0. The average market capitalization across the [@Regional Banks] industry is $7.76B.

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).

LC’s FA Score shows that 1 FA rating(s) are green whileUMBF’s FA Score has 1 green FA rating(s).

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

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.

LC’s TA Score shows that 3 TA indicator(s) are bullish while UMBF’s TA Score has 3 bullish TA indicator(s).

  • LC’s TA Score: 3 bullish, 4 bearish.
  • UMBF’s TA Score: 3 bullish, 4 bearish.
According to our system of comparison, both LC and UMBF are a bad buy in the short-term.

Price Growth

LC (@Regional Banks) experienced а -3.85% price change this week, while UMBF (@Regional Banks) price change was +1.65% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.72%. For the same industry, the average monthly price growth was +0.70%, and the average quarterly price growth was +7.73%.

Reported Earning Dates

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

UMBF is expected to report earnings on Oct 28, 2025.

Industries' Descriptions

@Regional Banks (+0.72% 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
UMBF($8.34B) has a higher market cap than LC($1.71B). LC has higher P/E ratio than UMBF: LC (23.22) vs UMBF (12.44). UMBF YTD gains are higher at: -1.962 vs. LC (-7.412). UMBF has more cash in the bank: 917M vs. LC (15.9M). LC has less debt than UMBF: LC (22.4M) vs UMBF (439M). UMBF has higher revenues than LC: UMBF (1.9B) vs LC (885M).
LCUMBFLC / UMBF
Capitalization1.71B8.34B20%
EBITDAN/AN/A-
Gain YTD-7.412-1.962378%
P/E Ratio23.2212.44187%
Revenue885M1.9B47%
Total Cash15.9M917M2%
Total Debt22.4M439M5%
FUNDAMENTALS RATINGS
LC vs UMBF: Fundamental Ratings
LC
UMBF
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
100
Overvalued
55
Fair valued
PROFIT vs RISK RATING
1..100
8034
SMR RATING
1..100
1612
PRICE GROWTH RATING
1..100
3952
P/E GROWTH RATING
1..100
7148
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.

UMBF's Valuation (55) in the Regional Banks industry is somewhat better than the same rating for LC (100) in the Finance Or Rental Or Leasing industry. This means that UMBF’s stock grew somewhat faster than LC’s over the last 12 months.

UMBF's Profit vs Risk Rating (34) in the Regional Banks industry is somewhat better than the same rating for LC (80) in the Finance Or Rental Or Leasing industry. This means that UMBF’s stock grew somewhat faster than LC’s over the last 12 months.

UMBF's SMR Rating (12) in the Regional Banks industry is in the same range as LC (16) in the Finance Or Rental Or Leasing industry. This means that UMBF’s stock grew similarly to LC’s over the last 12 months.

LC's Price Growth Rating (39) in the Finance Or Rental Or Leasing industry is in the same range as UMBF (52) in the Regional Banks industry. This means that LC’s stock grew similarly to UMBF’s over the last 12 months.

UMBF's P/E Growth Rating (48) in the Regional Banks industry is in the same range as LC (71) in the Finance Or Rental Or Leasing industry. This means that UMBF’s stock grew similarly to LC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
LCUMBF
RSI
ODDS (%)
Bearish Trend 4 days ago
69%
Bearish Trend 4 days ago
76%
Stochastic
ODDS (%)
Bearish Trend 4 days ago
81%
Bearish Trend 4 days ago
66%
Momentum
ODDS (%)
N/A
Bullish Trend 4 days ago
66%
MACD
ODDS (%)
Bullish Trend 4 days ago
73%
Bearish Trend 4 days ago
73%
TrendWeek
ODDS (%)
Bearish Trend 4 days ago
82%
Bullish Trend 4 days ago
66%
TrendMonth
ODDS (%)
Bullish Trend 4 days ago
84%
Bearish Trend 4 days ago
65%
Advances
ODDS (%)
Bullish Trend 13 days ago
80%
Bullish Trend 13 days ago
63%
Declines
ODDS (%)
Bearish Trend 4 days ago
83%
Bearish Trend 5 days ago
64%
BollingerBands
ODDS (%)
Bearish Trend 4 days ago
73%
N/A
Aroon
ODDS (%)
Bullish Trend 4 days ago
89%
Bullish Trend 4 days ago
67%
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LC
Daily Signalchanged days ago
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UMBF
Daily Signalchanged days ago
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LC and

Correlation & Price change

A.I.dvisor indicates that over the last year, LC has been closely correlated with UMBF. These tickers have moved in lockstep 68% of the time. This A.I.-generated data suggests there is a high statistical probability that if LC jumps, then UMBF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To LC
1D Price
Change %
LC100%
-2.03%
UMBF - LC
68%
Closely correlated
+1.45%
HBAN - LC
67%
Closely correlated
+1.39%
CFG - LC
67%
Closely correlated
+1.37%
FNB - LC
66%
Closely correlated
+1.29%
ASB - LC
66%
Closely correlated
+0.93%
More

UMBF and

Correlation & Price change

A.I.dvisor indicates that over the last year, UMBF has been closely correlated with FNB. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if UMBF jumps, then FNB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UMBF
1D Price
Change %
UMBF100%
-0.34%
FNB - UMBF
90%
Closely correlated
-0.20%
HWC - UMBF
89%
Closely correlated
-0.02%
WTFC - UMBF
89%
Closely correlated
-1.04%
SSB - UMBF
89%
Closely correlated
-0.20%
FULT - UMBF
89%
Closely correlated
+0.17%
More