BANR
Banner Corporation
BANR has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over BANR overall, supported by stronger fundamentals and stronger valuation.
BANR Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
BANR's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BANR.
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.
BANR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.2x | $54.32 | -21% |
| Fair | 11x | $66.72 | -3.5% |
| Forward | 11x | $69.14 | — |
| Current | 12x | $69.14 | — |
| Expensive | 13x | $76.87 | +11% |
Historical ranges are pointers, not guarantees.
BANR's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 11x next year's earnings.
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 BANR in the historical PE scenario, which offers more potential upside but is not a forecast.
BANR Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for BANR, with profitability holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over BANR on the outlook, with more favorable profitability expectations.
BANR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.37 | +8.4% |
| Q3 2026 | $5.88 | +7.1% |
| Q2 2026 | $6.06 | +15% |
| Q1 2026 | $5.94 | +17% |
| Q4 2025 | $5.64 | +16% |
| Q3 2025 | $5.49 | +15% |
| Q2 2025 | $5.25 | +9.1% |
| Q1 2025 | $5.09 | +5.8% |
| Q4 2024 | $4.88 | -8.4% |
BANR 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.
BANR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $161.9M | +7.9% |
| Q2 2026 | $153.7M | +6.5% |
| Q1 2026 | $150.2M | +6.4% |
| Q4 2025 | $152.4M | +8.5% |
| Q3 2025 | $150M | +11% |
| Q2 2025 | $144.4M | +8.9% |
| Q1 2025 | $141.1M | +6.1% |
| Q4 2024 | $140.5M | +1.5% |
BANR's revenue has grown year over year for eight quarters in a row: $162M last quarter, up 7.9% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 9.5% | -4.3 points |
| Q2 2026 | 12% | -0.4 points |
| Q1 2026 | 13% | -0.8 points |
| Q4 2025 | 10% | -4.3 points |
| Q3 2025 | 14% | +0.5 points |
| Q2 2025 | 12% | -0.7 points |
| Q1 2025 | 14% | +4.8 points |
| Q4 2024 | 14% | +4.1 points |
BANR's operating margin was 9.5% last quarter, down 4.3 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 BANR 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 BANR on profitability, with a higher operating margin.
BANR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $72.8M | -39% |
| Q2 2026 | $35.5M | -32% |
| Q1 2026 | $109.4M | +97% |
| Q4 2025 | $21.6M | -77% |
| Q3 2025 | $118.7M | +96% |
| Q2 2025 | $52.1M | -30% |
| Q1 2025 | $55.6M | +13% |
| Q4 2024 | $95.5M | +48% |
BANR has the edge over SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.
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.
BANR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +2.6% | +898K shares |
| 1 year | +1.1% | +367K shares |
| 3 years | +1.7% | +597K shares |
| 5 years | +1% | +357K shares |
| Available history | +0.2% | +59.1K shares |
BANR has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $14.2M |
| Q2 2026 | — |
| Q1 2026 | $16.1M |
| Q4 2025 | $15.8M |
| Q4 2023 | — |
| Q3 2023 | — |
| Q4 2022 | — |
| Q3 2022 | — |
BANR spent $46M buying back its own shares over the past year.
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 | — |
BANR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -3.6x | Net Cash |
| Q1 2026 | -3.6x | Net Cash |
| Q4 2025 | -1.8x | Net Cash |
| Q3 2025 | -5.7x | Net Cash |
| Q2 2025 | -3.9x | Net Cash |
| Q1 2025 | -2.4x | Net Cash |
| Q4 2024 | -0.1x | Net Cash |
BANR has the edge over SOFI on leverage, with a lower net debt burden relative to earnings.
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.
BANR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.2 | Neutral |
| Stochastic | 42.4 | Neutral |
BANR's weekly RSI is 52 (neutral) and its Stochastic is 42 (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).
BANR PE vs Financial Services Sector
| Metric | BANR | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 9.7% below |
| PE % | 63 | 63 | Same percentile |
BANR 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.
BANR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $68.7 | 0.6% above |
| 20 week MA | $69.8 | 0.9% below |
| 50 week MA | $66.1 | 4.6% above |
| 100 week MA | $65.3 | 6% above |
| 200 week MA | $58.5 | 18% above |
BANR 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.
BANR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $56.3 | $45.6 | -19% |
| 2021 | $45.6 | $61.1 | +34% |
| 2022 | $61.1 | $63.0 | +3.1% |
| 2023 | $63.0 | $53.6 | -15% |
| 2024 | $53.6 | $66.9 | +25% |
| 2025 | $66.9 | $64.6 | -3.4% |
| 2026 YTD | $64.6 | $69.1 | +7% |
BANR 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.