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Upstart Holdings (UPST) Reiterated at Market Perform by Citizens; Seeks Banking License

Wed, 11 Mar 2026 07:55:33 -0400

Citizens analyst David Scharf reiterated a Market Perform rating and $20.00 price target on Upstart Holdings Inc (NASDAQ: UPST).

The analyst commented, "Upstart Holdings is following other lenders by seeking a banking license. The company announced after the close yesterday that it would be applying for a federal bank charter. The announcement follows similar moves from other non-bank lenders that are capitalizing on the uniquely favorable regulatory environment under the Trump administration to apply for or acquire banking licenses and replace their current patchwork of state-level regulatory regimes."

For an analyst ratings summary and ratings history on Upstart Holdings Inc click

Form 8-K Upstart Holdings, Inc. For: Mar 10

Tue, 10 Mar 2026 16:06:00 -0400

si-local-file:///var/storage/secattach/20260310/26139363.html

Form 8-K Upstart Holdings, Inc. For: Mar 10

Tue, 10 Mar 2026 16:06:00 -0400

si-local-file:///var/storage/secattach/20260310/26139363.html

Upstart applies for national bank charter from federal regulators

Tue, 10 Mar 2026 16:05:46 -0400

Upstart Holdings Inc. (NASDAQ: UPST) announced it will submit applications to federal banking regulators to establish an insured national bank called Upstart Bank, N.A. The company plans to file with the Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation for the bank charter, while also applying to the Federal Reserve to become a bank holding company.

Annie Delgado, currently Upstart's Chief Risk Officer, has been named as the proposed Chief Executive Officer of the new bank. The company stated that regulatory approval would allow it to reduce operational, regulatory, and financial costs for itself and its

Upstart applies for national bank charter from federal regulators

Tue, 10 Mar 2026 16:05:46 -0400

Upstart to Apply for National Bank Charter

Tue, 10 Mar 2026 16:05:00 -0400

Approval Would Allow Upstart to Offer Better Rates to Borrowers by Reducing Operational, Regulatory, and Financial Complexity

SAN MATEO, Calif.--(BUSINESS WIRE)-- Upstart Holdings, Inc. (NASDAQ: UPST), the leading artificial intelligence (AI) lending marketplace, today announced its plan to submit an application to the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) to establish an insured national bank, Upstart Bank, N.A. Upstart Holdings, Inc. will also apply to the Federal Reserve for approval to become a bank holding company.

Subject to regulatory approval, the charter will allow Upstart to reduce operational, regulatory, and

Upstart to Apply for National Bank Charter

Tue, 10 Mar 2026 16:05:00 -0400

Approval Would Allow Upstart to Offer Better Rates to Borrowers by Reducing Operational, Regulatory, and Financial Complexity

Subject to regulatory approval, the charter will allow Upstart to reduce operational, regulatory, and

Upstart to Apply for National Bank Charter

Tue, 10 Mar 2026 16:05:00 -0400

Approval Would Allow Upstart to Offer Better Rates to Borrowers by Reducing Operational, Regulatory, and Financial Complexity

Subject to regulatory approval, the charter will allow Upstart to reduce operational, regulatory, and

Upstart to Apply for National Bank Charter

Tue, 10 Mar 2026 16:05:00 -0400

Approval Would Allow Upstart to Offer Better Rates to Borrowers by Reducing Operational, Regulatory, and Financial Complexity

Subject to regulatory approval, the charter will allow Upstart to reduce operational, regulatory, and

Upstart to Apply for National Bank Charter

Tue, 10 Mar 2026 16:05:00 -0400

Approval Would Allow Upstart to Offer Better Rates to Borrowers by Reducing Operational, Regulatory, and Financial Complexity

Subject to regulatory approval, the charter will allow Upstart to reduce operational, regulatory, and

Upstart to Apply for National Bank Charter

Tue, 10 Mar 2026 16:05:00 -0400

Approval Would Allow Upstart to Offer Better Rates to Borrowers by Reducing Operational, Regulatory, and Financial Complexity

Subject to regulatory approval, the charter will allow Upstart to reduce operational, regulatory, and

Upstart to Apply for National Bank Charter

Tue, 10 Mar 2026 16:05:00 -0400

Approval Would Allow Upstart to Offer Better Rates to Borrowers by Reducing Operational, Regulatory, and Financial Complexity

Subject to regulatory approval, the charter will allow Upstart to reduce operational, regulatory, and

Upstart to Apply for National Bank Charter

Tue, 10 Mar 2026 16:05:00 -0400

Approval Would Allow Upstart to Offer Better Rates to Borrowers by Reducing Operational, Regulatory, and Financial Complexity

Subject to regulatory approval, the charter will allow Upstart to reduce operational, regulatory, and

KBRA Assigns Preliminary Ratings to Upstart Securitization Trust 2026-1