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Side-by-side financial comparison of FIRST FINANCIAL BANKSHARES INC (FFIN) and レンディングクラブ (LC), based on the latest 10-Q / 10-K filings. Click either name above to swap in a different company.
レンディングクラブ is the larger business by last-quarter revenue ($266.5M vs $131.4M, roughly 2.0× FIRST FINANCIAL BANKSHARES INC). On growth, レンディングクラブ posted the faster year-over-year revenue change (22.7% vs 13.1%). FIRST FINANCIAL BANKSHARES INC produced more free cash flow last quarter ($68.9M vs $-919.3M). Over the past eight quarters, レンディングクラブ's revenue compounded faster (21.4% CAGR vs 14.5%).
ファーストフィナンシャル・バンクシェアーズ（FFIN）が運営する地域銀行ファーストフィナンシャル・バンクは、インディアナ州テレホートに本拠を置く。同州最古の国立銀行であり、米国で5番目に歴史のある国立銀行で、親会社のファーストフィナンシャル・コーポレーションはビーゴ郡で唯一の上場企業だ。
LendingClub Corporationは米国カリフォルニア州サンフランシスコに本社を置く金融サービス企業で、世界で初めて自社商品を証券として登録したP2P融資プラットフォームであり、ローンの二次市場取引にも対応している。全盛期は世界最大のP2P融資プラットフォームで、2015年12月31日時点でプラットフォームを通じた融資実行額は計159億8000万ドルに達した。
FFIN vs LC — Head-to-Head
Income Statement — Q4 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $131.4M | $266.5M |
| Net Profit | $73.3M | — |
| Gross Margin | — | — |
| Operating Margin | 68.2% | 18.8% |
| Net Margin | 55.8% | — |
| Revenue YoY | 13.1% | 22.7% |
| Net Profit YoY | 17.6% | — |
| EPS (diluted) | $0.51 | $0.36 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align — see 8-quarter trend below.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history — bar widths are scaled to the larger of the two companies so you can eyeball the size gap and growth trajectory without doing math. Quarters aligned by calendar period (report date) so offset fiscal years line up.
| Q4 25 | $131.4M | $266.5M | ||
| Q3 25 | $127.0M | $266.2M | ||
| Q2 25 | $123.7M | $248.4M | ||
| Q1 25 | $118.8M | $217.7M | ||
| Q4 24 | $116.1M | $217.2M | ||
| Q3 24 | $107.1M | $201.9M | ||
| Q2 24 | $103.3M | $187.2M | ||
| Q1 24 | $100.2M | $180.7M |
| Q4 25 | $73.3M | — | ||
| Q3 25 | $52.3M | $44.3M | ||
| Q2 25 | $66.7M | $38.2M | ||
| Q1 25 | $61.3M | $11.7M | ||
| Q4 24 | $62.3M | — | ||
| Q3 24 | $55.3M | $14.5M | ||
| Q2 24 | $52.5M | $14.9M | ||
| Q1 24 | $53.4M | $12.3M |
| Q4 25 | 68.2% | 18.8% | ||
| Q3 25 | 49.7% | 21.5% | ||
| Q2 25 | 66.1% | 21.7% | ||
| Q1 25 | 63.3% | 7.2% | ||
| Q4 24 | 65.4% | 5.1% | ||
| Q3 24 | 62.9% | 8.9% | ||
| Q2 24 | 61.6% | 10.4% | ||
| Q1 24 | 64.7% | 9.1% |
| Q4 25 | 55.8% | — | ||
| Q3 25 | 41.2% | 16.6% | ||
| Q2 25 | 53.9% | 15.4% | ||
| Q1 25 | 51.6% | 5.4% | ||
| Q4 24 | 53.7% | — | ||
| Q3 24 | 51.6% | 7.2% | ||
| Q2 24 | 50.8% | 8.0% | ||
| Q1 24 | 53.3% | 6.8% |
| Q4 25 | $0.51 | $0.36 | ||
| Q3 25 | $0.36 | $0.37 | ||
| Q2 25 | $0.47 | $0.33 | ||
| Q1 25 | $0.43 | $0.10 | ||
| Q4 24 | $0.43 | $0.08 | ||
| Q3 24 | $0.39 | $0.13 | ||
| Q2 24 | $0.37 | $0.13 | ||
| Q1 24 | $0.37 | $0.11 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest filing — the kind of financial-strength check premium terminals charge for.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | — | $0 |
| Stockholders' EquityBook value | $1.9B | $1.5B |
| Total Assets | $15.4B | $11.6B |
| Debt / EquityLower = less leverage | — | 0.00× |
8-quarter trend — quarters aligned by calendar period so offset fiscal years match up.
| Q4 25 | — | $0 | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | $0 | ||
| Q1 25 | — | $0 | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.9B | $1.5B | ||
| Q3 25 | $1.8B | $1.5B | ||
| Q2 25 | $1.7B | $1.4B | ||
| Q1 25 | $1.7B | $1.4B | ||
| Q4 24 | $1.6B | $1.3B | ||
| Q3 24 | $1.7B | $1.3B | ||
| Q2 24 | $1.5B | $1.3B | ||
| Q1 24 | $1.5B | $1.3B |
| Q4 25 | $15.4B | $11.6B | ||
| Q3 25 | $14.8B | $11.1B | ||
| Q2 25 | $14.4B | $10.8B | ||
| Q1 25 | $14.3B | $10.5B | ||
| Q4 24 | $14.0B | $10.6B | ||
| Q3 24 | $13.6B | $11.0B | ||
| Q2 24 | $13.2B | $9.6B | ||
| Q1 24 | $13.2B | $9.2B |
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | 0.00× | ||
| Q1 25 | — | 0.00× | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Net income can be massaged; cash flow is harder to fake.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $74.9M | $-903.8M |
| Free Cash FlowOCF − Capex | $68.9M | $-919.3M |
| FCF MarginFCF / Revenue | 52.5% | -345.0% |
| Capex IntensityCapex / Revenue; lower = less reinvestment burden | 4.5% | 5.8% |
| Cash ConversionOCF / Net Profit; >1× = earnings back up with cash | 1.02× | — |
| TTM Free Cash FlowTrailing 4 quarters | $286.0M | $-2.9B |
8-quarter trend — quarters aligned by calendar period so offset fiscal years match up.
| Q4 25 | $74.9M | $-903.8M | ||
| Q3 25 | $86.5M | $-770.8M | ||
| Q2 25 | $61.3M | $-713.1M | ||
| Q1 25 | $76.8M | $-339.3M | ||
| Q4 24 | $84.5M | $-185.4M | ||
| Q3 24 | $80.7M | $-669.8M | ||
| Q2 24 | $68.8M | $-932.5M | ||
| Q1 24 | $75.6M | $-846.5M |
| Q4 25 | $68.9M | $-919.3M | ||
| Q3 25 | $83.7M | $-791.8M | ||
| Q2 25 | $58.7M | $-803.8M | ||
| Q1 25 | $74.7M | $-352.3M | ||
| Q4 24 | $79.7M | $-202.6M | ||
| Q3 24 | $77.7M | $-682.3M | ||
| Q2 24 | $63.8M | $-945.3M | ||
| Q1 24 | $71.7M | $-858.3M |
| Q4 25 | 52.5% | -345.0% | ||
| Q3 25 | 65.9% | -297.4% | ||
| Q2 25 | 47.4% | -323.5% | ||
| Q1 25 | 62.9% | -161.8% | ||
| Q4 24 | 68.6% | -93.3% | ||
| Q3 24 | 72.5% | -338.0% | ||
| Q2 24 | 61.8% | -504.9% | ||
| Q1 24 | 71.6% | -475.0% |
| Q4 25 | 4.5% | 5.8% | ||
| Q3 25 | 2.2% | 7.9% | ||
| Q2 25 | 2.1% | 36.5% | ||
| Q1 25 | 1.8% | 6.0% | ||
| Q4 24 | 4.1% | 7.9% | ||
| Q3 24 | 2.9% | 6.2% | ||
| Q2 24 | 4.8% | 6.9% | ||
| Q1 24 | 3.9% | 6.5% |
| Q4 25 | 1.02× | — | ||
| Q3 25 | 1.65× | -17.41× | ||
| Q2 25 | 0.92× | -18.68× | ||
| Q1 25 | 1.25× | -29.07× | ||
| Q4 24 | 1.36× | — | ||
| Q3 24 | 1.46× | -46.33× | ||
| Q2 24 | 1.31× | -62.57× | ||
| Q1 24 | 1.42× | -69.10× |
Financial Flow Comparison
Sankey diagram of revenue → gross profit → operating profit → net profit for each company. Charts shown full-width and stacked so both segment hierarchies are readable side-by-side on desktop and mobile.
Revenue Breakdown by Segment
FFIN
Segment breakdown not available.
LC
| Lending Club Bank | $162.8M | 61% |
| Other | $82.3M | 31% |
| Servicing Fees | $12.8M | 5% |
| Lending Club Corporation | $8.5M | 3% |
