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HAPN

HappenA
Nasdaq / Financial Services
Last Price
Quote time unavailable
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Current thesis
Q2 results support a more constructive thesis: originations, EPS, deposits, liquidity, capital ratios, and credit metrics all improved, while the Happen Bank rebrand and home-improvement lending expand the growth narrative [#SEC-8K-2026-07-27].
Posture
Constructive
Lead driver
Sentiment
What changed
1 setup hits (3d) with net bullish as of 2026-09-09.
What can break
Analyst revisions and post-earnings price reaction are unavailable.
Momentum
15
Value
55
Sentiment
85
Setup hits (3d)
1 · Net Bullish
AI TargetsBase $23.00 · Bull $28.00 · Bear $15.50Analysis 2026-07-30; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-10 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-30 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-10

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-10. Definitions

Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Bullish
Target $24.78
Why
Momentum15 · Δ7d -2.2
Value55 · Δ7d +0.5
Sentiment85 · Δ7d +4.1
So what
Strength-led posture (Net Bullish). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • 1 setup hits (3d) with net bullish as of 2026-09-09.
  • • Sentiment remains the lead driver in the composite, 7D delta +4.1.

Contradictions & invalidation

  • • Analyst revisions and post-earnings price reaction are unavailable.
  • • Credit performance or delinquencies could weaken as loan growth accelerates.
  • • The earnings improvement included a $10.9 million provision benefit and the 2026 fair-value-option election for new originations; non-interest expense also increased year over year.

Catalyst clock

2026-07-27

Q2 2026 results showed strong operating momentum

Lead driver: Sentiment · See AI snapshot
Momentum
15
9% active weight
Current posture
7d trendFlat
Δ7d
-2.2
Δ21d
-43.1
Value
55
28% active weight
Current posture
7d trendFlat
Δ7d
+0.5
Δ21d
+0.9
Sentiment
85
62% active weight
Current posture
7d trendImproving
Δ7d
+4.1
Δ21d
+8.9
Why this grade

Composite grade A. Momentum 14.8 / Value 54.9 / Sentiment 85.3

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-30. Scenario method

B+
Bull case
25%
Probability
Target price
$28.00
Analysis reference price unavailable
Analysis 2026-07-30 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$23.00
Analysis reference price unavailable
Analysis 2026-07-30 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$15.50
Analysis reference price unavailable
Analysis 2026-07-30 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$2.21B
Beta
2.09
Shares Out
115.41M
P/E (TTM)
22.8
P/S (TTM)
2.46
P/FCF (TTM) · Derived
-0.77
Rev YoY
+32.0%
EPS YoY
+50.2%
Gross Margin
+75.4%
Op Margin
+14.9%
Net Debt
-$854.36M
Current Ratio
9.70
As of 2026-09-10 • Updated nightlySource: Internal modelMethods & Data