Happen Bank (NASDAQ:HAPN) Releases Q4 2026 Earnings Guidance

Happen Bank (NASDAQ:HAPN) issued an update on its fourth quarter 2026 earnings guidance on Friday morning. The company provided earnings per share (EPS) guidance of 0.430-0.480 for the period, compared to the consensus estimate of 0.460. Happen Bank also updated its FY 2026 guidance to 1.870-1.920 EPS.

Happen Bank Stock Performance

Shares of HAPN traded up $0.14 during midday trading on Monday, reaching $15.67. The company had a trading volume of 469,387 shares, compared to its average volume of 2,054,214. Happen Bank has a 1-year low of $13.05 and a 1-year high of $21.67. The company has a market capitalization of $1.80 billion, a PE ratio of 8.76 and a beta of 1.61. The business has a 50 day simple moving average of $15.90.

Happen Bank (NASDAQ:HAPN) last issued its earnings results on Wednesday, October 28th. The company reported $0.50 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $0.47 by $0.03. Happen Bank had a return on equity of 13.62% and a net margin of 20.16%. The business had revenue of $279.09 million during the quarter. The firm’s revenue was down 1.1% on a year-over-year basis. On average, sell-side analysts predict that Happen Bank will post 1.89 EPS for the current year.

Analysts Set New Price Targets

HAPN has been the subject of a number of research analyst reports. Citizens Jmp increased their price target on Happen Bank from $23.00 to $25.00 and gave the stock a “market outperform” rating in a report on Tuesday, July 28th. Piper Sandler lowered their price target on Happen Bank from $25.00 to $20.00 and set an “overweight” rating for the company in a report on Thursday. Weiss Ratings reiterated a “hold (c+)” rating on shares of Happen Bank in a report on Tuesday, September 22nd. Finally, BTIG Research reiterated a “buy” rating and set a $25.00 price target on shares of Happen Bank in a report on Tuesday, July 28th. Three research analysts have rated the stock with a Buy rating and one has issued a Hold rating to the stock. According to data from MarketBeat, the stock has a consensus rating of “Moderate Buy” and an average target price of $23.33.

Insider Transactions at Happen Bank

In related news, SVP Fergal Stack sold 40,000 shares of the firm’s stock in a transaction dated Tuesday, August 18th. The stock was sold at an average price of $18.86, for a total transaction of $754,400.00. Following the completion of the transaction, the senior vice president directly owned 114,977 shares in the company, valued at $2,168,466.22. This trade represents a 25.81% decrease in their position. The sale was disclosed in a legal filing with the SEC, which is available through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, CEO Scott Sanborn sold 28,750 shares of the firm’s stock in a transaction dated Wednesday, August 26th. The shares were sold at an average price of $18.25, for a total value of $524,687.50. Following the transaction, the chief executive officer owned 1,462,774 shares of the company’s stock, valued at $26,695,625.50. This trade represents a 1.93% decrease in their ownership of the stock. The SEC filing for this sale provides additional information. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. The sale was made to cover tax withholding obligations related to the vesting of equity awards. In the last ninety days, insiders sold 140,600 shares of company stock worth $2,663,156. 3.31% of the stock is currently owned by company insiders.

Happen Bank Company Profile

Happen Bank, originally founded as LendingClub in 2006, is a digital bank primarily built for high-FICO, high-income borrowers that are actively managing their financial lives. The company offers products to make financial progress both fast and easy. Additionally, the company provides advanced credit underwriting, a proprietary technology platform, and a marketplace bank model intended to drive value for members, loan investors, and shareholders. Happen Bank is headquartered in San Fancisco, California.