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Side-by-side financial comparison of AUBURN NATIONAL BANCORPORATION, INC (AUBN) and LendingClub Corp (LC), based on the latest 10-Q / 10-K filings. Click either name above to swap in a different company.
LendingClub Corp is the larger business by last-quarter revenue ($266.5M vs $158.0K, roughly 1686.5× AUBURN NATIONAL BANCORPORATION, INC). On growth, LendingClub Corp posted the faster year-over-year revenue change (22.7% vs 4.6%). Over the past eight quarters, LendingClub Corp's revenue compounded faster (21.4% CAGR vs 0.6%).
奥本国民银行集团旗下的奥本银行是一家注册于美国阿拉巴马州的社区银行，主要在阿拉巴马州东部地区开展业务，面向当地提供支票账户、储蓄账户及贷款等各类金融产品与服务，是亚特兰大联邦住房贷款银行成员，业务受阿拉巴马州银行监管局监管。
LendingClub Corp是总部位于美国加利福尼亚州旧金山的金融服务企业，是全球首家将旗下产品作为证券完成注册的P2P借贷平台，同时支持贷款在二级市场交易。巅峰时期它是全球规模最大的P2P借贷平台，截至2015年12月31日，平台累计促成贷款发放额达159.8亿美元。
AUBN vs LC — Head-to-Head
Income Statement — Q4 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $158.0K | $266.5M |
| Net Profit | $1.7M | — |
| Gross Margin | — | — |
| Operating Margin | — | 18.8% |
| Net Margin | 1053.8% | — |
| Revenue YoY | 4.6% | 22.7% |
| Net Profit YoY | 6.7% | — |
| EPS (diluted) | — | $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 | $158.0K | $266.5M | ||
| Q3 25 | $154.0K | $266.2M | ||
| Q2 25 | $152.0K | $248.4M | ||
| Q1 25 | $155.0K | $217.7M | ||
| Q4 24 | $151.0K | $217.2M | ||
| Q3 24 | $154.0K | $201.9M | ||
| Q2 24 | $153.0K | $187.2M | ||
| Q1 24 | $156.0K | $180.7M |
| Q4 25 | $1.7M | — | ||
| Q3 25 | $2.2M | $44.3M | ||
| Q2 25 | $1.8M | $38.2M | ||
| Q1 25 | $1.5M | $11.7M | ||
| Q4 24 | $1.6M | — | ||
| Q3 24 | $1.7M | $14.5M | ||
| Q2 24 | $1.7M | $14.9M | ||
| Q1 24 | $1.4M | $12.3M |
| Q4 25 | — | 18.8% | ||
| Q3 25 | — | 21.5% | ||
| Q2 25 | — | 21.7% | ||
| Q1 25 | — | 7.2% | ||
| Q4 24 | — | 5.1% | ||
| Q3 24 | — | 8.9% | ||
| Q2 24 | — | 10.4% | ||
| Q1 24 | — | 9.1% |
| Q4 25 | 1053.8% | — | ||
| Q3 25 | 1446.1% | 16.6% | ||
| Q2 25 | 1205.9% | 15.4% | ||
| Q1 25 | 987.1% | 5.4% | ||
| Q4 24 | 1033.1% | — | ||
| Q3 24 | 1124.7% | 7.2% | ||
| Q2 24 | 1133.3% | 8.0% | ||
| Q1 24 | 878.8% | 6.8% |
| Q4 25 | — | $0.36 | ||
| Q3 25 | $0.64 | $0.37 | ||
| Q2 25 | — | $0.33 | ||
| Q1 25 | — | $0.10 | ||
| Q4 24 | — | $0.08 | ||
| Q3 24 | $0.50 | $0.13 | ||
| Q2 24 | — | $0.13 | ||
| Q1 24 | — | $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 | $92.1M | $1.5B |
| Total Assets | $1.0B | $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 | $92.1M | $1.5B | ||
| Q3 25 | $89.6M | $1.5B | ||
| Q2 25 | $86.1M | $1.4B | ||
| Q1 25 | $83.1M | $1.4B | ||
| Q4 24 | $78.3M | $1.3B | ||
| Q3 24 | $84.3M | $1.3B | ||
| Q2 24 | $75.2M | $1.3B | ||
| Q1 24 | $74.5M | $1.3B |
| Q4 25 | $1.0B | $11.6B | ||
| Q3 25 | $1.0B | $11.1B | ||
| Q2 25 | $1.0B | $10.8B | ||
| Q1 25 | $996.8M | $10.5B | ||
| Q4 24 | $977.3M | $10.6B | ||
| Q3 24 | $990.1M | $11.0B | ||
| Q2 24 | $1.0B | $9.6B | ||
| Q1 24 | $979.0M | $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 | $3.5M | $-903.8M |
| Free Cash FlowOCF − Capex | — | $-919.3M |
| FCF MarginFCF / Revenue | — | -345.0% |
| Capex IntensityCapex / Revenue; lower = less reinvestment burden | — | 5.8% |
| Cash ConversionOCF / Net Profit; >1× = earnings back up with cash | 2.10× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-2.9B |
8-quarter trend — quarters aligned by calendar period so offset fiscal years match up.
| Q4 25 | $3.5M | $-903.8M | ||
| Q3 25 | $4.1M | $-770.8M | ||
| Q2 25 | $2.1M | $-713.1M | ||
| Q1 25 | $2.6M | $-339.3M | ||
| Q4 24 | $2.8M | $-185.4M | ||
| Q3 24 | $1.9M | $-669.8M | ||
| Q2 24 | $3.1M | $-932.5M | ||
| Q1 24 | $3.1M | $-846.5M |
| Q4 25 | — | $-919.3M | ||
| Q3 25 | — | $-791.8M | ||
| Q2 25 | — | $-803.8M | ||
| Q1 25 | — | $-352.3M | ||
| Q4 24 | — | $-202.6M | ||
| Q3 24 | — | $-682.3M | ||
| Q2 24 | — | $-945.3M | ||
| Q1 24 | — | $-858.3M |
| Q4 25 | — | -345.0% | ||
| Q3 25 | — | -297.4% | ||
| Q2 25 | — | -323.5% | ||
| Q1 25 | — | -161.8% | ||
| Q4 24 | — | -93.3% | ||
| Q3 24 | — | -338.0% | ||
| Q2 24 | — | -504.9% | ||
| Q1 24 | — | -475.0% |
| Q4 25 | — | 5.8% | ||
| Q3 25 | — | 7.9% | ||
| Q2 25 | — | 36.5% | ||
| Q1 25 | — | 6.0% | ||
| Q4 24 | — | 7.9% | ||
| Q3 24 | — | 6.2% | ||
| Q2 24 | — | 6.9% | ||
| Q1 24 | — | 6.5% |
| Q4 25 | 2.10× | — | ||
| Q3 25 | 1.83× | -17.41× | ||
| Q2 25 | 1.17× | -18.68× | ||
| Q1 25 | 1.72× | -29.07× | ||
| Q4 24 | 1.79× | — | ||
| Q3 24 | 1.08× | -46.33× | ||
| Q2 24 | 1.76× | -62.57× | ||
| Q1 24 | 2.25× | -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
AUBN
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% |
