LC
Price
$15.76
Change
+$0.36 (+2.34%)
Updated
Oct 8 closing price
Capitalization
1.81B
13 days until earnings call
UMBF
Price
$118.98
Change
+$0.59 (+0.50%)
Updated
Oct 8 closing price
Capitalization
9.03B
19 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$15.76
Change+$0.36 (+2.34%)
Volume$1.59M
Capitalization1.81B
UMB Financial
Price$118.98
Change+$0.59 (+0.50%)
Volume$357.53K
Capitalization9.03B
LC vs UMBF Comparison Chart in %
LC
Daily Signalchanged days ago
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UMBF
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LC vs. UMBF commentary
Oct 09, 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 Buy.

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COMPARISON
Comparison
Oct 09, 2025
Stock price -- (LC: $15.76 vs. UMBF: $118.98)
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: 108% vs. UMBF: 71%
Market capitalization -- LC: $1.81B vs. UMBF: $9.03B
LC [@Regional Banks] is valued at $1.81B. UMBF’s [@Regional Banks] market capitalization is $9.03B. The market cap for tickers in the [@Regional Banks] industry ranges from $169.48B to $0. The average market capitalization across the [@Regional Banks] industry is $7.82B.

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 5 TA indicator(s) are bullish while UMBF’s TA Score has 3 bullish TA indicator(s).

  • LC’s TA Score: 5 bullish, 5 bearish.
  • UMBF’s TA Score: 3 bullish, 4 bearish.
According to our system of comparison, LC is a better buy in the short-term than UMBF.

Price Growth

LC (@Regional Banks) experienced а +5.56% price change this week, while UMBF (@Regional Banks) price change was +0.57% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.21%. For the same industry, the average monthly price growth was +0.05%, and the average quarterly price growth was +20.37%.

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 (+0.21% 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($9.03B) has a higher market cap than LC($1.81B). LC has higher P/E ratio than UMBF: LC (24.63) vs UMBF (13.47). UMBF YTD gains are higher at: 6.583 vs. LC (-2.656). 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
Capitalization1.81B9.03B20%
EBITDAN/AN/A-
Gain YTD-2.6566.583-40%
P/E Ratio24.6313.47183%
Revenue885M1.9B47%
Total Cash15.9M1.09B1%
Total Debt22.4M439M5%
FUNDAMENTALS RATINGS
LC vs UMBF: Fundamental Ratings
LC
UMBF
OUTLOOK RATING
1..100
693
VALUATION
overvalued / fair valued / undervalued
1..100
100
Overvalued
59
Fair valued
PROFIT vs RISK RATING
1..100
7934
SMR RATING
1..100
1611
PRICE GROWTH RATING
1..100
4350
P/E GROWTH RATING
1..100
7749
SEASONALITY SCORE
1..100
8585

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 (59) 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 (79) 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 (11) 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 (43) in the Finance Or Rental Or Leasing industry is in the same range as UMBF (50) 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 (49) in the Regional Banks industry is in the same range as LC (77) 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 (%)
Bullish Trend 1 day ago
75%
Bearish Trend 1 day ago
49%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
81%
Bullish Trend 1 day ago
81%
Momentum
ODDS (%)
Bearish Trend 1 day ago
74%
Bullish Trend 1 day ago
69%
MACD
ODDS (%)
Bearish Trend 1 day ago
77%
Bearish Trend 1 day ago
71%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
83%
Bullish Trend 1 day ago
66%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
80%
Bearish Trend 1 day ago
66%
Advances
ODDS (%)
Bullish Trend 1 day ago
81%
Bullish Trend 3 days ago
63%
Declines
ODDS (%)
Bearish Trend 8 days ago
81%
Bearish Trend 8 days ago
63%
BollingerBands
ODDS (%)
Bullish Trend 1 day ago
87%
N/A
Aroon
ODDS (%)
Bullish Trend 1 day ago
87%
Bearish Trend 1 day ago
84%
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LC
Daily Signalchanged days ago
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UMBF
Daily Signalchanged days ago
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