BHRB
Burke & Herbert Financial Services Corp.
BHRB has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over BHRB overall, supported by stronger fundamentals and stronger modeled upside.
BHRB Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
BHRB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BHRB.
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.
BHRB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 8.3x | $70.96 | — |
| Cheap | 9.9x | $59.63 | -16% |
| Current | 12x | $70.96 | — |
| Fair | 14x | $86.67 | +22% |
| Expensive | 21x | $130 | +83% |
Historical ranges are pointers, not guarantees.
BHRB's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 8.3x next year's earnings, in its cheap range.
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 BHRB in the historical PE scenario, which offers more potential upside but is not a forecast.
BHRB Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for BHRB, but weaker profitability.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over BHRB on the outlook, with more favorable profitability expectations.
BHRB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $8.53 | +41% |
| Q3 2026 | $6.05 | -19% |
| Q2 2026 | $6.24 | -15% |
| Q1 2026 | $7.71 | +96% |
| Q4 2025 | $7.72 | +174% |
| Q3 2025 | $7.46 | +321% |
| Q2 2025 | $7.31 | +1362% |
| Q1 2025 | $3.93 | +45% |
| Q4 2024 | $2.82 | -6.6% |
BHRB earned $6.05 per share over the past year, down 19% from the year before.
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.
BHRB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $119.7M | +40% |
| Q2 2026 | $106.9M | +23% |
| Q1 2026 | $84.7M | +2% |
| Q4 2025 | $86.5M | +4.9% |
| Q3 2025 | $85.4M | +1.9% |
| Q2 2025 | $87.1M | +26% |
| Q1 2025 | $83M | +215% |
| Q4 2024 | $82.5M | +204% |
BHRB's revenue has grown year over year for 10 quarters in a row: $120M last quarter, up 40% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | -6.1 points |
| Q2 2026 | 11% | -31 points |
| Q1 2026 | 39% | -0.3 points |
| Q4 2025 | 44% | +19 points |
| Q3 2025 | 43% | +4.2 points |
| Q2 2025 | 43% | +70 points |
| Q1 2025 | 40% | +17 points |
| Q4 2024 | 25% | +4 points |
BHRB has the edge over SOFI on profitability, with a higher operating margin.
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 BHRB 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's operating margin was 23% last quarter, up 7.5 points from the same quarter a year ago, near the top of its range since 2021.
BHRB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $43.5M | +23% |
| Q2 2026 | -$1.9M | +$1.5M |
| Q1 2026 | $24.6M | -31% |
| Q4 2025 | $28.3M | -63% |
| Q3 2025 | $35.4M | +82% |
| Q2 2025 | -$3.4M | +$17M |
| Q1 2025 | $35.9M | +542% |
| Q4 2024 | $76.6M | +3203% |
BHRB 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.
BHRB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +9.7% | +1.8M shares |
| 1 year | +34% | +5.2M shares |
| 3 years | +171% | +12.8M shares |
BHRB has 20M diluted shares, up 34% from a year ago.
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 the edge over BHRB on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
BHRB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 4.8x | High |
| Q2 2026 | 4.3x | High |
| Q1 2026 | 3.6x | Elevated |
| Q4 2025 | 3.1x | Elevated |
| Q3 2025 | 3.5x | Elevated |
| Q2 2025 | 5.3x | High |
| Q1 2025 | 4.5x | High |
| Q4 2024 | 9.3x | High |
BHRB's net debt is about 4.8 years of its operating earnings (EBITDA), up from 3.5 years a year ago. Net leverage isn't a meaningful measure for financial services companies like BHRB.
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 the edge over BHRB on leverage, with a lower net debt burden relative to earnings.
BHRB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.1 | Neutral |
| Stochastic | 39.2 | Neutral |
BHRB's weekly RSI is 56 (neutral) and its Stochastic is 39 (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).
BHRB PE vs Financial Services Sector
| Metric | BHRB | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 9.9% below |
| PE % | 33 | 63 | 30 pts below |
BHRB 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.
BHRB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $70.0 | 1.3% above |
| 20 week MA | $71.0 | 0% below |
| 50 week MA | $67.3 | 5.5% above |
| 100 week MA | $63.5 | 12% above |
| 200 week MA | $62.0 | 14% above |
BHRB 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.
BHRB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $54.4 | $43.1 | -21% |
| 2021 | $43.1 | $55.3 | +28% |
| 2022 | $55.3 | $70.8 | +28% |
| 2023 | $70.8 | $62.9 | -11% |
| 2024 | $62.9 | $62.4 | -0.7% |
| 2025 | $62.4 | $63.1 | +1% |
| 2026 YTD | $63.1 | $71.0 | +12% |
BHRB 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.