BSBK
Bogota Financial Corp.
BSBK has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over BSBK overall, supported by stronger valuation and stronger modeled upside.
BSBK Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
BSBK'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 BSBK.
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.
BSBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 20x | $4.10 | -56% |
| Fair | 23x | $4.93 | -47% |
| Current | 44x | $9.34 | — |
| Expensive | 53x | $11.17 | +20% |
Historical ranges are pointers, not guarantees.
BSBK's PE is in its expensive range at 44x.
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 BSBK in the historical PE scenario, which offers more potential upside but is not a forecast.
BSBK Forward outlook
There aren't enough analyst estimates for BSBK 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.
BSBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $0.21 | +$0.24 |
| Q1 2026 | $0.17 | +$0.25 |
| Q4 2025 | $0.17 | +$0.34 |
| Q3 2025 | $0.04 | +$0.23 |
| Q2 2025 | -$0.03 | +$0.13 |
| Q1 2025 | -$0.08 | -$0.02 |
| Q4 2024 | -$0.17 | -440% |
| Q3 2024 | -$0.19 | -163% |
BSBK has returned to profit: it earned $0.21 per share over the past year, after losing money 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.
BSBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $4.5M | +12% |
| Q1 2026 | $4.7M | +5.9% |
| Q4 2025 | $4.5M | +55% |
| Q3 2025 | $4.2M | +41% |
| Q2 2025 | $4M | +32% |
| Q1 2025 | $4.5M | +52% |
| Q4 2024 | $2.9M | -9.4% |
| Q3 2024 | $3M | -15% |
BSBK's revenue is recovering but still below its 2021 peak: $5M last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 19% | +15 points |
| Q1 2026 | 19% | +3.7 points |
| Q4 2025 | 15% | +31 points |
| Q3 2025 | 13% | +33 points |
| Q2 2025 | 4.3% | +28 points |
| Q1 2025 | 16% | +40 points |
| Q4 2024 | -16% | +37 points |
| Q3 2024 | -21% | -16 points |
BSBK's operating margin was 19% last quarter, up 15 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 BSBK on sales, with more consistent year-over-year improvement.
| 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 BSBK on profitability, with a higher operating margin.
BSBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $2.1M | +12% |
| Q1 2026 | $673.3K | +$725.5K |
| Q4 2025 | $988K | +$2.1M |
| Q3 2025 | $277.1K | +$608K |
| Q2 2025 | $1.9M | +36% |
| Q1 2025 | -$52.2K | +$3.1M |
| Q4 2024 | -$1.1M | -$816.1K |
| Q3 2024 | -$330.9K | -$296.8K |
BSBK 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.
BSBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -99.6K shares |
| 1 year | -1.1% | -134K shares |
| 3 years | -4.2% | -548K shares |
| 5 years | -4.6% | -600K shares |
| Available history | -4.9% | -650K shares |
BSBK has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | $1.2M |
| Q1 2026 | $124,905 |
| Q4 2025 | $1.1M |
| Q3 2025 | $355,886 |
| Q2 2025 | — |
| Q1 2025 | $398,215 |
| Q4 2024 | $276,029 |
| Q3 2024 | $414,975 |
BSBK spent $3M buying back its own shares over the past year, up 155% from the year before.
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 | — |
BSBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -9.0x | Net Cash |
| Q1 2026 | -10.4x | Net Cash |
| Q4 2025 | -14.4x | Net Cash |
| Q3 2025 | -23.3x | Net Cash |
| Q2 2025 | -90.8x | Net Cash |
| Q4 2023 | -25.1x | Net Cash |
| Q3 2023 | -4.7x | Net Cash |
| Q2 2023 | -3.6x | Net Cash |
BSBK 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.
BSBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.2 | Neutral |
| Stochastic | 61.2 | Neutral |
BSBK's weekly RSI is 63 (neutral) and its Stochastic is 61 (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).
BSBK PE vs Financial Services Sector
| Metric | BSBK | Sector median | Relative |
|---|---|---|---|
| PE | 44x | 13x | 242% above |
| PE % | 73 | 64 | 9 pts above |
BSBK is trading at 44x earnings, a 242% premium to the Financial Services sector's median of 13x.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI has the edge over BSBK on valuation relative to its sector.
BSBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $9.17 | 1.9% above |
| 20 week MA | $9.13 | 2.3% above |
| 50 week MA | $8.76 | 6.6% above |
| 100 week MA | $8.41 | 11% above |
| 200 week MA | $8.23 | 13% above |
BSBK 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.
BSBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $11.6 | $9.17 | -21% |
| 2021 | $9.17 | $10.3 | +12% |
| 2022 | $10.3 | $11.5 | +12% |
| 2023 | $11.5 | $8.05 | -30% |
| 2024 | $8.05 | $7.57 | -6% |
| 2025 | $7.57 | $8.48 | +12% |
| 2026 YTD | $8.48 | $9.34 | +10% |
BSBK 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.