Preferred Bank [PFBC] vs LendingClub [LC] Detailed Stock Comparison
Preferred Bank
NASDAQ
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LendingClub
NYSE
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Preferred Bank wins in 11 metrics, LendingClub wins in 6 metrics, with 0 ties. Preferred Bank appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Preferred Bank | LendingClub | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 9.41 | 24.06 | Preferred Bank |
| Price-to-Book Ratio | 1.49 | 1.26 | LendingClub |
| Debt-to-Equity Ratio | 0.50 | 1.59 | Preferred Bank |
| PEG Ratio | 2.36 | 0.16 | LendingClub |
| EV/EBITDA | N/A | 6.01 | N/A |
| Profit Margin (TTM) | 47.20% | 5.93% | Preferred Bank |
| Operating Margin (TTM) | 69.63% | 16.30% | Preferred Bank |
| EBITDA Margin (TTM) | 69.63% | 16.30% | Preferred Bank |
| Return on Equity | 17.20% | 5.50% | Preferred Bank |
| Return on Assets (TTM) | 1.79% | 0.61% | Preferred Bank |
| Free Cash Flow (TTM) | $163.61M | $-2.69B | Preferred Bank |
| Dividend Yield | 3.89% | N/A | N/A |
| 1-Year Return | 8.61% | 28.32% | LendingClub |
| Price-to-Sales Ratio (TTM) | 4.13 | 1.42 | LendingClub |
| Enterprise Value | $683.34M | $969.13M | LendingClub |
| EV/Revenue Ratio | 2.55 | 0.78 | LendingClub |
| Revenue per Share (TTM) | $20 | $11 | Preferred Bank |
| Earnings per Share (Diluted) | $9.51 | $0.64 | Preferred Bank |
| Beta (Stock Volatility) | 0.72 | 2.49 | Preferred Bank |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Preferred Bank vs LendingClub Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Preferred Bank | -2.64% | -0.33% | -5.57% | -2.75% | 12.53% | 4.47% |
| LendingClub | -6.14% | 6.55% | -3.22% | 27.60% | 60.62% | -1.12% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Preferred Bank | 8.61% | 30.52% | 163.15% | 188.19% | 963.57% | -32.93% |
| LendingClub | 28.32% | 45.66% | 220.28% | -77.79% | -87.08% | -87.08% |
News Based Sentiment: Preferred Bank vs LendingClub
Preferred Bank
News based Sentiment: MIXED
Preferred Bank reported a mixed quarter with an earnings beat but revenue miss, alongside positive shareholder returns and a slight downward revision of earnings estimates. Insider selling adds a layer of caution, creating a mixed investment narrative. While the bank demonstrates financial stability, recent developments suggest a need for careful monitoring.
LendingClub
News based Sentiment: MIXED
October was a mixed month for LendingClub, with an analyst downgrade and insider selling countered by an undervaluation assessment and strong Q2 earnings. The conflicting signals create a nuanced investment picture, making it a moderately important month for investors to assess the company's trajectory.
Performance & Financial Health Analysis: Preferred Bank vs LendingClub
| Metric | PFBC | LC |
|---|---|---|
| Market Information | ||
| Market Cap | $1.11B | $1.83B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 64,419 | 1,498,682 |
| 90 Day Avg. Volume | 76,376 | 1,429,601 |
| Last Close | $86.99 | $14.97 |
| 52 Week Range | $71.90 - $99.78 | $7.90 - $18.75 |
| % from 52W High | -12.82% | -20.16% |
| All-Time High | $224.20 (Feb 05, 2007) | $146.45 (Dec 15, 2014) |
| % from All-Time High | -61.20% | -89.78% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.03% | 0.19% |
| Quarterly Earnings Growth | -0.02% | 1.56% |
| Financial Health | ||
| Profit Margin (TTM) | 0.47% | 0.06% |
| Operating Margin (TTM) | 0.70% | 0.16% |
| Return on Equity (TTM) | 0.17% | 0.06% |
| Debt to Equity (MRQ) | 0.50 | 1.59 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $60.20 | $12.25 |
| Cash per Share (MRQ) | $64.34 | $6.56 |
| Operating Cash Flow (TTM) | $165.86M | $-1,907,550,976 |
| Levered Free Cash Flow (TTM) | $130.66M | $-621,227,136 |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.89% | N/A |
| Last 12-Month Dividend | $3.70 | N/A |
Valuation & Enterprise Metrics Analysis: Preferred Bank vs LendingClub
| Metric | PFBC | LC |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 9.41 | 24.06 |
| Forward P/E | 10.15 | 18.33 |
| PEG Ratio | 2.36 | 0.16 |
| Price to Sales (TTM) | 4.13 | 1.42 |
| Price to Book (MRQ) | 1.49 | 1.26 |
| Market Capitalization | ||
| Market Capitalization | $1.11B | $1.83B |
| Enterprise Value | $683.34M | $969.13M |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 2.55 | 0.78 |
| Enterprise to EBITDA | N/A | 6.01 |
| Risk & Other Metrics | ||
| Beta | 0.72 | 2.49 |
| Book Value per Share (MRQ) | $60.20 | $12.25 |
Financial Statements Comparison: Preferred Bank 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) | PFBC | LC |
|---|---|---|
| Revenue/Sales | $66.66M | $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 | $42.59M | $15.70M |
| Income Tax | $12.56M | $4.02M |
| Net Income (Profit) | $30.02M | $11.67M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | PFBC | LC |
|---|---|---|
| Cash & Equivalents | $905.18M | $895.52M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $172.55M | $25.57M |
| Total Shareholders Equity | $778.60M | $1.36B |
| Retained Earnings | $705.36M | $-325.81M |
| Property, Plant & Equipment | $28.56M | $19.27M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | PFBC | LC |
|---|---|---|
| Operating Cash Flow | $43.61M | $-386.43M |
| Capital Expenditures | $-331,000 | $-13.07M |
| Free Cash Flow | $44.25M | $-352.32M |
| Debt Repayment | N/A | $0 |
| Common Stock Repurchase | $-13.24M | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | PFBC | LC |
|---|---|---|
| Shares Short | 968,457 | 5.56M |
| Short Ratio | 14.52 | 3.91 |
| Short % of Float | 0.09% | 0.05% |
| Average Daily Volume (10 Day) | 64,419 | 1,498,682 |
| Average Daily Volume (90 Day) | 76,376 | 1,429,601 |
| Shares Outstanding | 13.19M | 113.38M |
| Float Shares | 10.86M | 105.45M |
| % Held by Insiders | 0.08% | 0.03% |
| % Held by Institutions | 0.90% | 0.81% |
Dividend Analysis & Yield Comparison: Preferred Bank vs LendingClub
| Metric | PFBC | LC |
|---|---|---|
| Last 12-Month Dividend | $3.70 | N/A |
| Last 12-Month Dividend Yield | 3.89% | N/A |
| 3-Year Avg Annual Dividend | $2.81 | N/A |
| 3-Year Avg Dividend Yield | 0.88% | N/A |
| 3-Year Total Dividends | $8.43 | N/A |
| Ex-Dividend Date | Oct 07, 2025 | N/A |