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LendingClub Corp vs Bank of N.T. Butterfield & Son Ltd — Side-by-side quantitative comparison
Based on our 6-factor quantitative model, Bank of N.T. Butterfield & Son Ltd (NTB) is the stronger stock with a composite score of 61.8/100 and a Hold rating, compared to LendingClub Corp (LC) at 40.8/100 (Reduce). NTB ranks #514 in our universe versus #3438 for LC, giving it an edge of 21.0 points across quality, value, momentum, investment, stability, and short interest factors.
On the Quality factor, which measures profitability and business quality through metrics like ROE, gross margins, and capital efficiency, these stocks are closely matched (LC: 33/100, NTB: 32/100). The narrow 1-point spread suggests similar quality profiles, so this factor alone is unlikely to be a decisive differentiator.
For the Value factor — which evaluates whether a stock is cheap or expensive relative to its earnings, book value, and cash flows — NTB leads at 73/100, while LC trails at 48/100 (NTB: 73/100, LC: 48/100). The 25-point gap indicates a meaningful difference in value characteristics between these stocks.
For the Momentum factor — which captures price trends and institutional sentiment over the trailing 3-12 months — NTB leads at 79/100, while LC trails at 59/100 (NTB: 79/100, LC: 59/100). The 20-point gap indicates a meaningful difference in momentum characteristics between these stocks.
For the Investment factor — which assesses capital allocation quality including reinvestment rates and asset growth — NTB leads at 58/100, while LC trails at 38/100 (NTB: 58/100, LC: 38/100). The 19-point gap indicates a meaningful difference in investment characteristics between these stocks.
For the Stability factor — which measures financial health through leverage ratios and price volatility — NTB leads at 78/100, while LC trails at 14/100 (NTB: 78/100, LC: 14/100). The 64-point gap indicates a meaningful difference in stability characteristics between these stocks.
For the Short Interest factor — which tracks institutional bearish positioning and potential risk from elevated short selling — NTB leads at 69/100, while LC trails at 53/100 (NTB: 69/100, LC: 53/100). The 16-point gap indicates a meaningful difference in short interest characteristics between these stocks.
Based on our 6-factor model, Bank of N.T. Butterfield & Son Ltd (NTB) is utilizing a stronger overall profile than LC, with a Composite Score of 62 vs 41. This represents a significant advantage. NTB dominates specifically in Stability (+64 points) and Value, making it the clear quantitative winner.
| Overall Rating | ||
| Composite Score | 62 | 41 |
| Rank | #514 | #3,438 |
| Stars | 3 / 5 | 2 / 5 |
| Action | Hold | Reduce |
| Factor Scores | ||
| Quality | 32 | 33 |
| Value | 73 | 48 |
| Momentum | 79 | 59 |
| Stability | 78 | 14 |
| Investment | 58 | 38 |
| Short Interest | 69 | 53 |
| Valuation | ||
| P/E Ratio | — | 9.84 |
| P/B Ratio | — | 1.19 |
| P/S Ratio | — | 1.64 |
| EV/EBITDA | — | 7.50 |
| Dividend Yield | 4.8% | 0.0% |
| Profitability | ||
| ROE | 21.4% | 11.3% |
| ROA | 1.6% | 1.4% |
| Gross Margin | — | — |
| Operating Margin | — | — |
| Net Margin | 37.3% | 16.6% |
| Growth & Risk | ||
| Revenue Growth | 0.2% | 31.9% |
| Debt/Equity | 19.00 | 0.00 |
| Beta | 0.56 | 1.93 |
| Market | ||
| Market Cap | $1.74B | $1.74B |
Based on our 6-factor quantitative model, NTB currently has the higher composite score (61.8/100, Hold) and ranks #514 in our universe. However, the "better" stock depends on your investment goals, risk tolerance, and time horizon. We recommend reviewing the full factor breakdown above before making a decision.
Our comparison analyzes six quantitative factors: Quality (profitability and business strength, 30% weight), Momentum (price trends, 25%), Value (valuation attractiveness, 15%), Investment (capital allocation, 10%), Stability (financial health, 10%), and Short Interest (institutional positioning, 10%). Each factor is scored 0-100 and combined into a composite score.
NTB has the higher value score at 73/100 compared to LC at 48/100. A higher value score indicates the stock trades at a more attractive valuation relative to its earnings, book value, and cash flows.
Our stock rankings and comparisons are updated daily using the latest available market data, financial statements, and price information. Factor scores reflect the most recent quarterly filings and trailing price data.