LC vs. NBN
LC (LendingClub Corporation) and NBN (Northeast Bank) are both stocks. Both are in the Financial Services sector — LC in Credit Services, NBN in Banks - Regional. Over the past 10 years, LC returned -1.97%/yr vs 27.70%/yr for NBN. At a 0.29 correlation, their price movements are largely independent.
Performance
LC vs. NBN - Performance Comparison
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Returns By Period
In the year-to-date period, LC achieves a 1.43% return, which is significantly lower than NBN's 23.19% return. Over the past 10 years, LC has underperformed NBN with an annualized return of -1.97%, while NBN has yielded a comparatively higher 27.70% annualized return.
LC
- 1D
- 0.00%
- 1M
- 22.90%
- YTD
- 1.43%
- 6M
- -3.66%
- 1Y
- 74.48%
- 3Y*
- 27.04%
- 5Y*
- -0.26%
- 10Y*
- -1.97%
NBN
- 1D
- 1.20%
- 1M
- 3.65%
- YTD
- 23.19%
- 6M
- 19.15%
- 1Y
- 55.18%
- 3Y*
- 46.32%
- 5Y*
- 34.61%
- 10Y*
- 27.70%
LC vs. NBN - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
LC LendingClub Corporation | 1.43% | 16.99% | 85.24% | -0.68% | -63.61% | 128.98% | -16.32% | -4.03% | -36.32% | -21.33% |
NBN Northeast Bank | 23.19% | 13.35% | 66.31% | 31.21% | 17.95% | 58.86% | 2.63% | 31.69% | -27.59% | 77.10% |
Correlation
The correlation between LC and NBN is 0.39, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.39 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.48 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.38 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.32 |
Correlation (All Time) Calculated using the full available price history since Dec 11, 2014 | 0.29 |
The correlation between LC and NBN shifts across timeframes, from 0.29 (all time) to 0.48 (3 years), reflecting how their relationship changes across market environments.
Fundamentals
LC:
$2.25B
NBN:
$1.08B
LC:
$1.49
NBN:
$11.67
LC:
12.86
NBN:
10.96
LC:
0.03
NBN:
1.23
LC:
1.74
NBN:
2.87
LC:
1.48
NBN:
1.90
LC:
$1.30B
NBN:
$375.47M
LC:
$872.66M
NBN:
$226.92M
LC:
$309.10M
NBN:
$144.04M
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Return for Risk
LC vs. NBN — Risk / Return Rank
LC
NBN
LC vs. NBN - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for LendingClub Corporation (LC) and Northeast Bank (NBN). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| LC | NBN | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.23 | ||
| Sortino ratioReturn per unit of downside risk | -0.23 | ||
| Omega ratioGain probability vs. loss probability | 1.26 | 1.27 | -0.02 |
| Calmar ratioReturn relative to maximum drawdown | 1.96 | 2.01 | -0.06 |
| Martin ratioReturn relative to average drawdown | 4.35 | 5.14 | -0.79 |
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Drawdowns
LC vs. NBN - Drawdown Comparison
The maximum LC drawdown since its inception was -96.84%, which is greater than NBN's maximum drawdown of -70.51%. Use the drawdown chart below to compare losses from any high point for LC and NBN.
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Drawdown Indicators
| LC | NBN | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -96.84% | -70.51% | -26.33% |
Max Drawdown (1Y)Largest decline over 1 year | -38.28% | -27.57% | -10.71% |
Max Drawdown (3Y)Largest decline over 3 years | -53.53% | -27.57% | -25.96% |
Max Drawdown (5Y)Largest decline over 5 years | -89.48% | -29.30% | -60.18% |
Max Drawdown (10Y)Largest decline over 10 years | -89.48% | -70.25% | -19.23% |
Current DrawdownCurrent decline from peak | -86.23% | -1.47% | -84.76% |
Average DrawdownAverage peak-to-trough decline | -83.58% | -23.71% | -59.87% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 17.16% | 10.76% | +6.40% |
Volatility
LC vs. NBN - Volatility Comparison
LendingClub Corporation (LC) has a higher volatility of 15.60% compared to Northeast Bank (NBN) at 9.04%. This indicates that LC's price experiences larger fluctuations and is considered to be riskier than NBN based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| LC | NBN | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 15.60% | 9.04% | +6.56% |
Volatility (6M)Calculated over the trailing 6-month period | 41.56% | 24.04% | +17.52% |
Volatility (1Y)Calculated over the trailing 1-year period | 55.55% | 35.17% | +20.38% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 65.16% | 32.97% | +32.19% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 63.12% | 40.78% | +22.34% |
Dividends
LC vs. NBN - Dividend Comparison
LC has not paid dividends to shareholders, while NBN's dividend yield for the trailing twelve months is around 0.03%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
LC LendingClub Corporation | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
NBN Northeast Bank | 0.03% | 0.04% | 0.04% | 0.07% | 0.10% | 0.11% | 0.18% | 0.18% | 0.24% | 0.17% | 0.31% | 0.38% |
Financials
LC vs. NBN - Financials Comparison
This section allows you to compare key financial metrics between LendingClub Corporation and Northeast Bank. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
LC vs. NBN - Profitability Comparison
LC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, LendingClub Corporation reported a gross profit of 177.54M and revenue of 261.21M. Therefore, the gross margin over that period was 68.0%.
NBN - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Northeast Bank reported a gross profit of 66.84M and revenue of 105.42M. Therefore, the gross margin over that period was 63.4%.
LC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, LendingClub Corporation reported an operating income of 122.12M and revenue of 261.21M, resulting in an operating margin of 46.8%.
NBN - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Northeast Bank reported an operating income of 43.20M and revenue of 105.42M, resulting in an operating margin of 41.0%.
LC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, LendingClub Corporation reported a net income of 51.60M and revenue of 261.21M, resulting in a net margin of 19.8%.
NBN - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Northeast Bank reported a net income of 29.85M and revenue of 105.42M, resulting in a net margin of 28.3%.
Frequently Asked Questions
LC and NBN have a correlation of 0.39, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
LC has higher volatility (15.60%) compared to NBN (9.04%). In terms of maximum drawdown, LC dropped -96.84% vs NBN's -70.51%.
NBN currently has the higher Sharpe Ratio (1.58 vs 1.35), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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