Happen, Inc.

Stage 4 · Declining · week 2

As of Oct 22, 2026, Happen is in Stage 4, the downtrend phase, now in week 2 (since Oct 12, 2026). It closed at $14.51, 32.8% below its 52-week high and below its 200-day average, which is falling.

Happen, Inc. operates as a bank holding company that provides financial and lending services in the United States. More about the company

$14.51

-1.46% today

$1.7B · Small cap

Market Neutral — Building

Pro read

Pro

Our read

Declining, below its long-term trend

Setup score

—

Momentum

Steady

Edge

—

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Stage Cycle Timeline2023-08-16 → 2026-10-22

S4 15w

S2 39w

S2 26w

2023-08-162026-10-22

S1S2S3S4Setup score (0–10, dashed line at 5)

S2 1w → S3 2w → S4 15w → S1 6w → S2 8w → S3 8w → S2 39w → S3 7w → S4 11w → S1 8w → S2 26w → S3 5w → S4 5w → S1 7w → S2 11w → S3 4w → S4 2w current

Total tracked: 165 weeks across 17 stage runs.

HAPN among Banks - Regional305th of 319 by relative strength

All 319 →

Stocks in Banks - Regional ranked by relative strength, with stage and one-month change
#	Stock	Stage	RS	1M
1	OPHCOptimumBank Holdings, Inc.	Stage 2 · wk 38	96	−1.0%
2	MSBIMidland States Bancorp, Inc.	Stage 2 · wk 43	95	+1.8%
3	CMTVCommunity Bancorp.	Stage 2 · wk 72	94	+11.5%
4	VBNKVersaBank	Stage 2 · wk 25	94	−0.9%
5	AMALAmalgamated Financial Corp.	Stage 3 · wk 2	94	+8.1%
6	BOTJBank of the James Financial Group, Inc.	Stage 2 · wk 58	93	+9.0%
7	ATLOAmes National Corporation	Stage 2 · wk 68	92	+9.5%
8	RBKBRhinebeck Bancorp, Inc.	Stage 2 · wk 38	92	+0.9%
…305	HAPNHappen, Inc.	Stage 4 · wk 2	44	−4.3%

vs 52W High

-32.8%

$13.32 lo$21.58 hi

32.8% below 52W high, ongoing decline

In Stage 4, distance from the 52-week high reflects an ongoing decline, not a discount.

Stage Maturity

Week 2

1w13w26w

Week 2, early Stage 4 decline

How long this stock has been in Stage 4 decline. The longer the downtrend, the more entrenched the selling pressure. No length of decline marks a bottom on its own.

vs 200 DMA

-15.2%

200 DMA: $17.11 · sloping down

In Stage 4, the stock is below its 200-day average, the hallmark of a downtrend. Stage analysis waits for that to reverse before buying.

Rel Volume

2.14x

vs 50-day avg

High volume on down days in Stage 4 confirms institutional selling. Low-volume bounces are typical. They lack real buyers and are easy to mistake for reversals.

Trend Health

↓

Short-term trend rolling over

Two reads of momentum. The arrow shows the direction of the short-term trend: rising (↑ or ↗), flat (→) or rolling over (↓). The ⇈ mark appears when our trend model reads the move as gaining speed on top of the longer trend. Strongest when both agree.

-4.3%

-19.7%

-16.3%

YTD

-24.1%

-13.2%

Scan Membership

Breakout Watch

Latest: 2024-05-14

5 appearances in last 60 days. First seen: 2020-12-14.

A stock that keeps qualifying week after week does so because its Stage 2 structure keeps holding. Staying power in the scan says more about the trend than any single appearance.

Recent Stage Timeline

2026-10-22S4

Wk 2 · Vol 2.14x

2026-10-21S4

Wk 2 · Vol 0.98x

2026-10-20S4

Wk 2 · Vol 1.96x

2026-10-19S4

Wk 2 · Vol 0.99x

2026-10-16S4

Wk 1 · Vol 0.80x

2026-10-15S4

Wk 1 · Vol 1.34x

2026-10-14S4

Wk 1 · Vol 1.59x

2026-10-13S4

Wk 1 · Vol 1.52x

2026-10-12S43→4

Wk 1 · Vol 1.70x

2026-10-09S3

Wk 5 · Vol 1.69x

2026-10-08S3

Wk 5 · Vol 2.51x

2026-10-07S3

Wk 4 · Vol 1.49x

Moving averages & range

50 DMA

$16.41

200 DMA

$17.11

52W High

$21.58

52W Low

$13.32

5D Low

$14.29

Resistance levels (recent highs)

20d High

$15.46

60d High

$20.88

120d High

$20.88

250d High

$21.58

Next resistance

+6.6%

to 20d High

P/E (TTM)

8.7

Forward 6.1

Earnings Growth (YoY)

+51.5%

Revenue +6.5%

ROE

+13.2%

Profit margin +14.0%

Dividend Yield

0.00%

P/B 1.1

Happen: quick answers

What stage is Happen in?

As of Oct 22, 2026, Happen (HAPN) is in Stage 4, the downtrend phase. It entered Stage 4 on Oct 12, 2026 and is in week 2. What the four stages mean

Is Happen in an uptrend?

No. Happen is in a Stage 4 downtrend. It trades 15.2% below its 200-day average, which is falling.

How far is Happen from its 52-week high?

Happen closed at $14.51 on Oct 22, 2026, 32.8% below its 52-week high of $21.58. Its 52-week low is $13.32.

How has Happen performed over the past year?

As of Oct 22, 2026, Happen is down 13.2% over the past year and down 24.1% so far in 2026.

Which sector and industry is Happen in?

Happen is in the Banks - Regional industry, part of the Financials sector.

About this companyFinancials· Banks - Regional

Happen, Inc. operates as a bank holding company that provides financial and lending services in the United States. The company offers deposit products, including savings accounts, checking accounts, money market accounts, and certificates of deposit; consumer loan products, such as unsecured loans, fixed-rate and fixed-term consumer loans, major purchase finance, and auto refinance; personal loans for credit card refinancing and debt consolidation; financing for health and wellness; and balance transfer, credit card and debt consolidation, emergency, funeral, home improvement, moving, small, and wedding loans. It also provides commercial lending, including small business and SBA loans. In addition, the company operates a lending marketplace platform. It serves individual consumers and small businesses. The company was formerly known as LendingClub Corporation and changed its name to Happen, Inc. in June 2026. Happen, Inc. was incorporated in 2006 and is headquartered in San Francisco, California.

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All analytics based on EOD data. Data as of 2026-10-22. Past data patterns are not indicative of future results. This page is a data analytics tool only.