LC
Price
$19.53
Change
+$0.73 (+3.88%)
Updated
Dec 4, 04:59 PM (EDT)
Capitalization
2.17B
55 days until earnings call
Intraday BUY SELL Signals
UMBF
Price
$115.92
Change
+$0.92 (+0.80%)
Updated
Dec 4, 04:59 PM (EDT)
Capitalization
8.73B
61 days until earnings call
Intraday BUY SELL Signals
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LC vs UMBF

Header iconLC vs UMBF Comparison
Open Charts LC vs UMBFBanner chart's image
LendingClub
Price$19.53
Change+$0.73 (+3.88%)
Volume$8.2K
Capitalization2.17B
UMB Financial
Price$115.92
Change+$0.92 (+0.80%)
Volume$14.76K
Capitalization8.73B
LC vs UMBF Comparison Chart in %
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VS
LC vs. UMBF commentary
Dec 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 LC is a StrongBuy and UMBF is a StrongBuy.

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COMPARISON
Comparison
Dec 05, 2025
Stock price -- (LC: $18.80 vs. UMBF: $115.00)
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: 70% vs. UMBF: 130%
Market capitalization -- LC: $2.17B vs. UMBF: $8.73B
LC [@Regional Banks] is valued at $2.17B. UMBF’s [@Regional Banks] market capitalization is $8.73B. The market cap for tickers in the [@Regional Banks] industry ranges from $171.16B to $0. The average market capitalization across the [@Regional Banks] industry is $8.32B.

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 6 TA indicator(s) are bullish while UMBF’s TA Score has 6 bullish TA indicator(s).

  • LC’s TA Score: 6 bullish, 3 bearish.
  • UMBF’s TA Score: 6 bullish, 3 bearish.
According to our system of comparison, both LC and UMBF are a good buy in the short-term.

Price Growth

LC (@Regional Banks) experienced а +6.64% price change this week, while UMBF (@Regional Banks) price change was +2.66% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +1.28%. For the same industry, the average monthly price growth was +4.63%, and the average quarterly price growth was +14.30%.

Reported Earning Dates

LC is expected to report earnings on Jan 28, 2026.

UMBF is expected to report earnings on Feb 03, 2026.

Industries' Descriptions

@Regional Banks (+1.28% 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($8.74B) has a higher market cap than LC($2.17B). LC has higher P/E ratio than UMBF: LC (21.12) vs UMBF (12.83). LC YTD gains are higher at: 16.121 vs. UMBF (3.018). UMBF has more cash in the bank: 1.09B 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
Capitalization2.17B8.74B25%
EBITDAN/AN/A-
Gain YTD16.1213.018534%
P/E Ratio21.1212.83165%
Revenue885M1.9B47%
Total Cash15.9M1.09B1%
Total Debt22.4M439M5%
FUNDAMENTALS RATINGS
LC vs UMBF: Fundamental Ratings
LC
UMBF
OUTLOOK RATING
1..100
2318
VALUATION
overvalued / fair valued / undervalued
1..100
100
Overvalued
53
Fair valued
PROFIT vs RISK RATING
1..100
7743
SMR RATING
1..100
1612
PRICE GROWTH RATING
1..100
4255
P/E GROWTH RATING
1..100
8767
SEASONALITY SCORE
1..100
5050

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 (53) 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 (43) in the Regional Banks industry is somewhat better than the same rating for LC (77) 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 (42) in the Finance Or Rental Or Leasing industry is in the same range as UMBF (55) 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 (67) in the Regional Banks industry is in the same range as LC (87) 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 (%)
N/A
Bullish Trend 2 days ago
65%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
80%
Bearish Trend 2 days ago
70%
Momentum
ODDS (%)
Bullish Trend 2 days ago
81%
Bullish Trend 2 days ago
61%
MACD
ODDS (%)
Bullish Trend 2 days ago
80%
Bullish Trend 2 days ago
67%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
82%
Bullish Trend 2 days ago
64%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
83%
Bullish Trend 2 days ago
64%
Advances
ODDS (%)
Bullish Trend 2 days ago
80%
Bullish Trend 10 days ago
61%
Declines
ODDS (%)
Bearish Trend 15 days ago
81%
Bearish Trend 7 days ago
65%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
76%
Bullish Trend 2 days ago
65%
Aroon
ODDS (%)
Bearish Trend 2 days ago
79%
Bearish Trend 2 days ago
88%
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LC
Daily Signal:
Gain/Loss:
UMBF
Daily Signal:
Gain/Loss:
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LC and

Correlation & Price change

A.I.dvisor indicates that over the last year, LC has been loosely correlated with ASB. These tickers have moved in lockstep 65% of the time. This A.I.-generated data suggests there is some statistical probability that if LC jumps, then ASB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To LC
1D Price
Change %
LC100%
+2.12%
ASB - LC
65%
Loosely correlated
+1.69%
AX - LC
65%
Loosely correlated
+2.98%
CFG - LC
64%
Loosely correlated
+1.87%
UMBF - LC
64%
Loosely correlated
+3.60%
WTFC - LC
64%
Loosely correlated
+1.22%
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 88% 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%
+3.60%
FNB - UMBF
88%
Closely correlated
+1.81%
HWC - UMBF
88%
Closely correlated
+2.14%
UBSI - UMBF
88%
Closely correlated
+1.60%
TRMK - UMBF
88%
Closely correlated
+1.87%
ONB - UMBF
87%
Closely correlated
+2.59%
More