HBT Financial [HBT] vs LendingClub [LC] Detailed Stock Comparison
HBT Financial
NASDAQ
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LendingClub
NYSE
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: HBT Financial wins in 10 metrics, LendingClub wins in 7 metrics, with 0 ties. HBT Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | HBT Financial | LendingClub | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 10.55 | 26.06 | HBT Financial |
| Price-to-Book Ratio | 1.38 | 1.36 | LendingClub |
| Debt-to-Equity Ratio | 0.18 | 1.59 | HBT Financial |
| PEG Ratio | 1.50 | 0.17 | LendingClub |
| EV/EBITDA | N/A | 7.33 | N/A |
| Profit Margin (TTM) | 33.39% | 5.93% | HBT Financial |
| Operating Margin (TTM) | 47.48% | 16.30% | HBT Financial |
| EBITDA Margin (TTM) | 47.48% | 16.30% | HBT Financial |
| Return on Equity | 14.08% | 5.50% | HBT Financial |
| Return on Assets (TTM) | 1.53% | 0.61% | HBT Financial |
| Free Cash Flow (TTM) | $83.87M | $-2.69B | HBT Financial |
| Dividend Yield | 3.93% | N/A | N/A |
| 1-Year Return | 15.12% | 57.78% | LendingClub |
| Price-to-Sales Ratio (TTM) | 3.50 | 1.53 | LendingClub |
| Enterprise Value | $708.60M | $1.18B | LendingClub |
| EV/Revenue Ratio | 3.08 | 0.95 | LendingClub |
| Revenue per Share (TTM) | $7 | $11 | LendingClub |
| Earnings per Share (Diluted) | $2.42 | $0.64 | HBT Financial |
| Beta (Stock Volatility) | 0.64 | 2.54 | HBT Financial |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
HBT Financial vs LendingClub Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| HBT Financial | 2.71% | 2.00% | 5.54% | 12.24% | 14.13% | 23.26% |
| LendingClub | 2.44% | 5.44% | 10.66% | 57.22% | 64.09% | 9.36% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| HBT Financial | 15.12% | 46.81% | 140.69% | 70.53% | 70.53% | 70.53% |
| LendingClub | 57.78% | 54.87% | 289.40% | -73.39% | -85.71% | -85.71% |
News Based Sentiment: HBT Financial vs LendingClub
HBT Financial
News based Sentiment: MIXED
September brought a mixed bag for HBT Financial – a positive earnings surprise was tempered by a slight revenue miss and notable insider selling. While analysts remain optimistic and the dividend is attractive, the mixed signals suggest a cautious approach for investors until the Q3 earnings report on October 20, 2025, provides further clarity.
LendingClub
News based Sentiment: MIXED
LendingClub reported impressive Q2 earnings, driving positive analyst ratings. However, consistent insider selling, including sales by the CEO and a director, introduces a note of caution. This combination of positive performance and insider activity creates a mixed investment narrative.
Performance & Financial Health Analysis: HBT Financial vs LendingClub
| Metric | HBT | LC |
|---|---|---|
| Market Information | ||
| Market Cap | $804.08M | $1.91B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 21,810 | 1,223,500 |
| 90 Day Avg. Volume | 28,657 | 1,563,977 |
| Last Close | $26.50 | $17.64 |
| 52 Week Range | $19.46 - $27.02 | $7.90 - $18.75 |
| % from 52W High | -1.92% | -5.92% |
| All-Time High | $27.02 (Aug 29, 2025) | $146.45 (Dec 15, 2014) |
| % from All-Time High | -1.92% | -87.95% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.05% | 0.19% |
| Quarterly Earnings Growth | 0.06% | 1.56% |
| Financial Health | ||
| Profit Margin (TTM) | 0.33% | 0.06% |
| Operating Margin (TTM) | 0.47% | 0.16% |
| Return on Equity (TTM) | 0.14% | 0.06% |
| Debt to Equity (MRQ) | 0.18 | 1.59 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $18.44 | $12.25 |
| Cash per Share (MRQ) | $6.32 | $6.56 |
| Operating Cash Flow (TTM) | $86.80M | $-1,907,550,976 |
| Levered Free Cash Flow (TTM) | $71.78M | $-621,227,136 |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.93% | N/A |
| Last 12-Month Dividend | $1.01 | N/A |
Valuation & Enterprise Metrics Analysis: HBT Financial vs LendingClub
| Metric | HBT | LC |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 10.55 | 26.06 |
| Forward P/E | 11.87 | 19.86 |
| PEG Ratio | 1.50 | 0.17 |
| Price to Sales (TTM) | 3.50 | 1.53 |
| Price to Book (MRQ) | 1.38 | 1.36 |
| Market Capitalization | ||
| Market Capitalization | $804.08M | $1.91B |
| Enterprise Value | $708.60M | $1.18B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 3.08 | 0.95 |
| Enterprise to EBITDA | N/A | 7.33 |
| Risk & Other Metrics | ||
| Beta | 0.64 | 2.54 |
| Book Value per Share (MRQ) | $18.44 | $12.25 |
Financial Statements Comparison: HBT Financial vs LendingClub
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | HBT | LC |
|---|---|---|
| Revenue/Sales | $57.63M | $217.71M |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $25.50M | $15.70M |
| Income Tax | $6.43M | $4.02M |
| Net Income (Profit) | $19.08M | $11.67M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | HBT | LC |
|---|---|---|
| Cash & Equivalents | $211.59M | $895.52M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $99.65M | $25.57M |
| Total Shareholders Equity | $565.06M | $1.36B |
| Retained Earnings | $329.17M | $-325.81M |
| Property, Plant & Equipment | N/A | $19.27M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | HBT | LC |
|---|---|---|
| Operating Cash Flow | $31.17M | $-386.43M |
| Capital Expenditures | $-1.09M | $-13.07M |
| Free Cash Flow | $29.17M | $-352.32M |
| Debt Repayment | $-7.89M | $0 |
| Common Stock Repurchase | $0 | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | HBT | LC |
|---|---|---|
| Shares Short | 96,387 | 5.46M |
| Short Ratio | 3.04 | 2.36 |
| Short % of Float | 0.01% | 0.05% |
| Average Daily Volume (10 Day) | 21,810 | 1,223,500 |
| Average Daily Volume (90 Day) | 28,657 | 1,563,977 |
| Shares Outstanding | 31.56M | 113.38M |
| Float Shares | 11.44M | 105.39M |
| % Held by Insiders | 0.64% | 0.03% |
| % Held by Institutions | 0.24% | 0.81% |
Dividend Analysis & Yield Comparison: HBT Financial vs LendingClub
| Metric | HBT | LC |
|---|---|---|
| Last 12-Month Dividend | $1.01 | N/A |
| Last 12-Month Dividend Yield | 3.93% | N/A |
| 3-Year Avg Annual Dividend | $0.80 | N/A |
| 3-Year Avg Dividend Yield | 0.88% | N/A |
| 3-Year Total Dividends | $2.39 | N/A |
| Ex-Dividend Date | Aug 05, 2025 | N/A |