ASRV
AmeriServ Financial, Inc.
There isn't enough reported data to score ASRV yet.
SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
ASRV Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
ASRV's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like ASRV.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
ASRV PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.6x | $4.39 | -7.2% |
| Current | 9.3x | $4.73 | — |
| Fair | 11x | $5.51 | +17% |
| Expensive | 14x | $6.89 | +46% |
Historical ranges are pointers, not guarantees.
ASRV's PE is 9.3x, but its earnings don't support one, so it isn't a reliable read right now.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI has the edge over ASRV in the historical PE scenario, which offers more potential upside but is not a forecast.
ASRV Forward outlook
There aren't enough analyst estimates for ASRV to show an outlook.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.
ASRV Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $0.51 | +132% |
| Q1 2026 | $0.33 | +50% |
| Q4 2025 | $0.34 | +62% |
| Q3 2025 | $0.30 | +$0.45 |
| Q2 2025 | $0.22 | +$0.40 |
| Q1 2025 | $0.22 | +$0.39 |
| Q4 2024 | $0.21 | +$0.40 |
| Q3 2024 | -$0.15 | -183% |
ASRV has the edge over SOFI on earnings, with more consistent year-over-year improvement.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI earned $0.56 per share over the past year, about the same as the year before.
ASRV Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $22.7M | +4% |
| Q1 2026 | $21.5M | +1.5% |
| Q4 2025 | $15.3M | +9.4% |
| Q3 2025 | $22.9M | +9.4% |
| Q2 2025 | $21.8M | +4.3% |
| Q1 2025 | $21.1M | +54% |
| Q4 2024 | $14M | +23% |
| Q3 2024 | $20.9M | +60% |
ASRV's revenue has grown year over year for nine quarters in a row: $23M last quarter, up 4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 15% | +17 points |
| Q1 2026 | 10% | -0.9 points |
| Q4 2025 | 11% | +3.3 points |
| Q3 2025 | 13% | +6.7 points |
| Q2 2025 | -1.6% | +0.7 points |
| Q1 2025 | 11% | -6.1 points |
| Q4 2024 | 7.7% | +68 points |
| Q3 2024 | 6.8% | +0.9 points |
ASRV's operating margin was 15% last quarter, up 17 points from the same quarter a year ago.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI has the edge over ASRV on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI has the edge over ASRV on profitability, with a higher operating margin.
ASRV Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$1.1M | -$1.1M |
| Q1 2026 | $356K | -41% |
| Q3 2025 | $1.4M | +$2.4M |
| Q2 2025 | -$62K | -105% |
| Q1 2025 | $599K | +$3.4M |
| Q4 2024 | $3.6M | +388% |
| Q3 2024 | -$1M | -145% |
| Q2 2024 | $1.2M | +159% |
ASRV has the stronger cash trend. Its trailing FCF is down 81% versus its history, compared with SOFI at down 107%.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
ASRV Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +37.5K shares |
| 1 year | +2.7% | +447K shares |
| 3 years | -1.1% | -181K shares |
| 5 years | -1% | -165K shares |
| Available history | -2.3% | -394K shares |
ASRV has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2024 | — |
| Q3 2024 | — |
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | $151,000 |
| Q4 2019 | $384,000 |
| Q3 2019 | $1M |
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
ASRV Net Leverage
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SOFI.
ASRV Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 57.6 | Neutral |
| Stochastic | 55.0 | Neutral |
ASRV's weekly RSI is 58 (neutral) and its Stochastic is 55 (neutral).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
ASRV PE vs Financial Services Sector
| Metric | ASRV | Sector median | Relative |
|---|---|---|---|
| PE | 9.3x | 13x | 29% below |
| PE % | 28 | 63 | 35 pts below |
ASRV has the edge over SOFI on valuation relative to its sector.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
ASRV Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $4.68 | 1.1% above |
| 20 week MA | $4.62 | 2.4% above |
| 50 week MA | $4.02 | 18% above |
| 100 week MA | $3.40 | 39% above |
| 200 week MA | $3.14 | 51% above |
ASRV has the edge over SOFI on trend strength, trading above more of its moving averages.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has fallen below most of its moving averages, though it's still 16% above its 200-week average.
ASRV Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $4.24 | $3.30 | -22% |
| 2021 | $3.30 | $3.85 | +17% |
| 2022 | $3.85 | $3.99 | +3.6% |
| 2023 | $3.99 | $3.24 | -19% |
| 2024 | $3.24 | $2.58 | -20% |
| 2025 | $2.58 | $3.17 | +23% |
| 2026 YTD | $3.17 | $4.73 | +49% |
ASRV has the edge over SOFI on returns for 2026, with the stronger performance.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI's yearly returns have swung widely, from +116% in 2023 to −69% in 2022. It's down 42% so far in 2026.