Happen Bank: Full Steam Ahead As Net Interest Income Soars

Happen Bank, formerly LendingClub, stands out as a compelling mid-cap growth opportunity amid fading AI infrastructure momentum. HAPN's successful rebrand and transition to a full-scale digital bank positions it for differentiated growth uncorrelated to the data center cycle. The company delivered a strong Q2 beat-and-raise, underscoring operational momentum and execution strength. With the S&P 500 near all-time highs, I favor tilting portfolios toward HAPN and similar names with unique growth drivers. As we move deeper into the Q2 earnings season, the key theme that investors should be watching out for is a broadening of this year's rally. The S&P 500 is holding stable near all-time highs, but the AI