BWB
Bridgewater Bancshares, Inc.
BWB has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over BWB overall, supported by stronger valuation and stronger modeled upside.
BWB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BWB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BWB.
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.
BWB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.8x | $17.14 | -17% |
| Fair | 11x | $22.18 | +7% |
| Current | 11x | $20.73 | — |
| Forward | 11x | $20.73 | — |
| Expensive | 14x | $26.63 | +28% |
Historical ranges are pointers, not guarantees.
BWB's PE is in its fair range at 10.7x. On analysts' estimates for next year's earnings, today's price would be 10.5x.
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 BWB in the historical PE scenario, which offers more potential upside but is not a forecast.
BWB Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for BWB, with profitability holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over BWB on the outlook, with more favorable valuation and profitability expectations.
BWB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.97 | +1.5% |
| Q3 2026 | $1.94 | +46% |
| Q2 2026 | $1.83 | +50% |
| Q1 2026 | $1.76 | +60% |
| Q4 2025 | $1.49 | +45% |
| Q3 2025 | $1.33 | +25% |
| Q2 2025 | $1.22 | +12% |
| Q1 2025 | $1.10 | -3.5% |
| Q4 2024 | $1.03 | -19% |
BWB 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.
BWB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $43.2M | +20% |
| Q2 2026 | $40.9M | +13% |
| Q1 2026 | $46.2M | +43% |
| Q4 2025 | $38.8M | +32% |
| Q3 2025 | $36.2M | +33% |
| Q2 2025 | $36.1M | +35% |
| Q1 2025 | $32.3M | +23% |
| Q4 2024 | $29.5M | +10% |
BWB's revenue has grown year over year for eight quarters in a row: $43M last quarter, up 20% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | +2.5 points |
| Q2 2026 | 45% | +3.1 points |
| Q1 2026 | 49% | +10 points |
| Q4 2025 | 44% | +8.5 points |
| Q3 2025 | 42% | -0.1 points |
| Q2 2025 | 42% | +2.3 points |
| Q1 2025 | 39% | +0.1 points |
| Q4 2024 | 36% | -7.7 points |
BWB 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 BWB 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.
BWB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $45.5M | +486% |
| Q2 2026 | $9.3M | +229% |
| Q1 2026 | $14.2M | +105% |
| Q4 2025 | $4.4M | -86% |
| Q3 2025 | $7.8M | +$14.2M |
| Q2 2025 | $2.8M | -73% |
| Q1 2025 | $6.9M | -3.5% |
| Q4 2024 | $31.2M | +$39.8M |
BWB 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.
BWB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.7% | +207K shares |
| 1 year | +2.1% | +606K shares |
| 3 years | +1.7% | +485K shares |
| 5 years | -1.1% | -314K shares |
| Available history | -4% | -1.2M shares |
BWB has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | $1.6M |
| Q1 2025 | $621,000 |
| Q4 2024 | $17,000 |
| Q3 2024 | — |
| Q2 2024 | $2.9M |
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 | — |
BWB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 3.0x | Elevated |
| Q2 2026 | 3.5x | Elevated |
| Q1 2026 | 3.1x | Elevated |
| Q4 2025 | 6.2x | High |
| Q3 2025 | 6.8x | High |
| Q2 2025 | 5.7x | High |
| Q1 2025 | 5.5x | High |
| Q4 2024 | 4.6x | High |
BWB's net debt is about 3.0 years of its operating earnings (EBITDA), down from 6.8 years a year ago. Net leverage isn't a meaningful measure for financial services companies like BWB.
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 BWB on leverage, with a lower net debt burden relative to earnings.
BWB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.5 | Neutral |
| Stochastic | 24.5 | Neutral |
BWB's weekly RSI is 53 (neutral) and its Stochastic is 24 (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).
BWB PE vs Financial Services Sector
| Metric | BWB | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 18% below |
| PE % | 38 | 63 | 25 pts below |
BWB 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.
BWB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $20.5 | 1% above |
| 20 week MA | $21.1 | 1.6% below |
| 50 week MA | $19.6 | 6% above |
| 100 week MA | $17.4 | 19% above |
| 200 week MA | $14.7 | 41% above |
BWB 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.
BWB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $13.8 | $12.3 | -11% |
| 2021 | $12.3 | $17.3 | +40% |
| 2022 | $17.3 | $17.8 | +2.8% |
| 2023 | $17.8 | $13.5 | -24% |
| 2024 | $13.5 | $13.5 | -0.2% |
| 2025 | $13.5 | $18.0 | +34% |
| 2026 YTD | $18.0 | $20.7 | +15% |
BWB 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.