Veritex Holdings [VBTX] vs LendingClub [LC] Detailed Stock Comparison
Veritex Holdings
NASDAQ
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LendingClub
NYSE
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Veritex Holdings wins in 12 metrics, LendingClub wins in 5 metrics, with 0 ties. Veritex Holdings appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Veritex Holdings | LendingClub | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 16.38 | 26.06 | Veritex Holdings |
| Price-to-Book Ratio | 1.13 | 1.36 | Veritex Holdings |
| Debt-to-Equity Ratio | 0.21 | 1.59 | Veritex Holdings |
| PEG Ratio | 1.17 | 0.17 | LendingClub |
| EV/EBITDA | N/A | 7.33 | N/A |
| Profit Margin (TTM) | 27.29% | 5.93% | Veritex Holdings |
| Operating Margin (TTM) | 39.27% | 16.30% | Veritex Holdings |
| EBITDA Margin (TTM) | 39.27% | 16.30% | Veritex Holdings |
| Return on Equity | 7.25% | 5.50% | Veritex Holdings |
| Return on Assets (TTM) | 0.92% | 0.61% | Veritex Holdings |
| Free Cash Flow (TTM) | $123.83M | $-2.69B | Veritex Holdings |
| Dividend Yield | 3.10% | N/A | N/A |
| 1-Year Return | 38.71% | 53.73% | LendingClub |
| Price-to-Sales Ratio (TTM) | 4.44 | 1.53 | LendingClub |
| Enterprise Value | $1.46B | $1.18B | Veritex Holdings |
| EV/Revenue Ratio | 3.44 | 0.95 | LendingClub |
| Revenue per Share (TTM) | $8 | $11 | LendingClub |
| Earnings per Share (Diluted) | $2.10 | $0.64 | Veritex Holdings |
| Beta (Stock Volatility) | 1.06 | 2.54 | Veritex Holdings |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Veritex Holdings vs LendingClub Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Veritex Holdings | 0.12% | 0.53% | 8.28% | 37.44% | 41.97% | 30.35% |
| LendingClub | -0.30% | 0.48% | 7.89% | 51.77% | 55.16% | 3.41% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Veritex Holdings | 38.71% | 15.79% | 102.83% | 124.69% | 131.03% | 131.03% |
| LendingClub | 53.73% | 31.75% | 236.97% | -75.65% | -86.49% | -86.49% |
News Based Sentiment: Veritex Holdings vs LendingClub
Veritex Holdings
News based Sentiment: MIXED
September brought a complex mix of developments for Veritex Holdings, including a proposed acquisition, a class action investigation, positive analyst revisions, and concerning financial trends. The uncertainty surrounding the acquisition and the conflicting signals from various indicators make this a significant month for investors to reassess their positions.
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: Veritex Holdings vs LendingClub
| Metric | VBTX | LC |
|---|---|---|
| Market Information | ||
| Market Cap | $1.88B | $1.91B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 922,850 | 1,223,500 |
| 90 Day Avg. Volume | 789,023 | 1,563,977 |
| Last Close | $34.40 | $16.68 |
| 52 Week Range | $20.37 - $34.96 | $7.90 - $18.75 |
| % from 52W High | -1.60% | -11.04% |
| All-Time High | $45.36 (Nov 08, 2021) | $146.45 (Dec 15, 2014) |
| % from All-Time High | -24.16% | -88.61% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.08% | 0.19% |
| Quarterly Earnings Growth | 0.14% | 1.56% |
| Financial Health | ||
| Profit Margin (TTM) | 0.27% | 0.06% |
| Operating Margin (TTM) | 0.39% | 0.16% |
| Return on Equity (TTM) | 0.07% | 0.06% |
| Debt to Equity (MRQ) | 0.21 | 1.59 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $30.39 | $12.25 |
| Cash per Share (MRQ) | $14.20 | $6.56 |
| Operating Cash Flow (TTM) | $121.79M | $-1,907,550,976 |
| Levered Free Cash Flow (TTM) | $107.24M | $-621,227,136 |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.10% | N/A |
| Last 12-Month Dividend | $1.06 | N/A |
Valuation & Enterprise Metrics Analysis: Veritex Holdings vs LendingClub
| Metric | VBTX | LC |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 16.38 | 26.06 |
| Forward P/E | 15.50 | 19.86 |
| PEG Ratio | 1.17 | 0.17 |
| Price to Sales (TTM) | 4.44 | 1.53 |
| Price to Book (MRQ) | 1.13 | 1.36 |
| Market Capitalization | ||
| Market Capitalization | $1.88B | $1.91B |
| Enterprise Value | $1.46B | $1.18B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 3.44 | 0.95 |
| Enterprise to EBITDA | N/A | 7.33 |
| Risk & Other Metrics | ||
| Beta | 1.06 | 2.54 |
| Book Value per Share (MRQ) | $30.39 | $12.25 |
Financial Statements Comparison: Veritex Holdings 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) | VBTX | LC |
|---|---|---|
| Revenue/Sales | $109.73M | $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 | $37.60M | $15.70M |
| Income Tax | $8.53M | $4.02M |
| Net Income (Profit) | $29.07M | $11.67M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | VBTX | LC |
|---|---|---|
| Cash & Equivalents | $849.79M | $895.52M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $155.91M | $25.57M |
| Total Shareholders Equity | $1.63B | $1.36B |
| Retained Earnings | $526.04M | $-325.81M |
| Property, Plant & Equipment | N/A | $19.27M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | VBTX | LC |
|---|---|---|
| Operating Cash Flow | $46.07M | $-386.43M |
| Capital Expenditures | $-522,000 | $-13.07M |
| Free Cash Flow | $43.06M | $-352.32M |
| Debt Repayment | $-75.00M | $0 |
| Common Stock Repurchase | $-9.52M | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | VBTX | LC |
|---|---|---|
| Shares Short | 1.75M | 5.46M |
| Short Ratio | 2.46 | 2.36 |
| Short % of Float | 0.03% | 0.05% |
| Average Daily Volume (10 Day) | 922,850 | 1,223,500 |
| Average Daily Volume (90 Day) | 789,023 | 1,563,977 |
| Shares Outstanding | 54.52M | 113.38M |
| Float Shares | 52.43M | 105.39M |
| % Held by Insiders | 0.04% | 0.03% |
| % Held by Institutions | 0.91% | 0.81% |
Dividend Analysis & Yield Comparison: Veritex Holdings vs LendingClub
| Metric | VBTX | LC |
|---|---|---|
| Last 12-Month Dividend | $1.06 | N/A |
| Last 12-Month Dividend Yield | 3.10% | N/A |
| 3-Year Avg Annual Dividend | $0.89 | N/A |
| 3-Year Avg Dividend Yield | 0.86% | N/A |
| 3-Year Total Dividends | $2.66 | N/A |
| Ex-Dividend Date | Sep 16, 2025 | N/A |