CBFV
CB Financial Services, Inc.
CBFV has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over CBFV overall, supported by stronger valuation.
CBFV Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
CBFV's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like CBFV.
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.
CBFV PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.1x | $24.21 | -41% |
| Fair | 9.8x | $33.63 | -18% |
| Current | 12x | $41.10 | — |
| Forward | 12x | $41.10 | — |
| Expensive | 20x | $67.40 | +64% |
Historical ranges are pointers, not guarantees.
CBFV's PE is in its fair range at 12.0x. On analysts' estimates for next year's earnings, today's price would be 12.2x.
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 CBFV in the historical PE scenario, which offers more potential upside but is not a forecast.
CBFV Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CBFV, with profitability improving.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over CBFV on the outlook, with more favorable valuation expectations.
CBFV Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.36 | -1.7% |
| Q3 2026 | $3.42 | +628% |
| Q2 2026 | $1.36 | -36% |
| Q1 2026 | $1.30 | -32% |
| Q4 2025 | $0.92 | -61% |
| Q3 2025 | $0.47 | -89% |
| Q2 2025 | $2.14 | -51% |
| Q1 2025 | $1.91 | -57% |
| Q4 2024 | $2.38 | -46% |
CBFV earned $3.42 per share over the past year, about seven times what it earned 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 has the edge over CBFV on earnings, with more consistent year-over-year improvement.
CBFV Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $16M | +561% |
| Q2 2026 | $15.5M | +15% |
| Q1 2026 | $14.8M | +23% |
| Q4 2025 | $15.6M | +18% |
| Q3 2025 | $2.4M | -81% |
| Q2 2025 | $13.5M | +11% |
| Q1 2025 | $12.1M | -10% |
| Q4 2024 | $13.2M | -52% |
CBFV's revenue is recovering but still below its 2023 peak: $16M last quarter, up 561% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 36% | +326 points |
| Q2 2026 | 33% | -2.1 points |
| Q1 2026 | 31% | +12 points |
| Q4 2025 | 34% | +11 points |
| Q3 2025 | -290% | -321 points |
| Q2 2025 | 35% | +8.6 points |
| Q1 2025 | 19% | -19 points |
| Q4 2024 | 23% | -43 points |
CBFV 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 CBFV 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'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.
CBFV Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$2.8M | -161% |
| Q2 2026 | $7.4M | +90% |
| Q1 2026 | $2.8M | -28% |
| Q4 2025 | $4.8M | +267% |
| Q3 2025 | $4.5M | +104% |
| Q2 2025 | $3.9M | +$6.3M |
| Q1 2025 | $3.9M | +71% |
| Q4 2024 | $1.3M | +$6.4M |
CBFV 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.
CBFV Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +4.1K shares |
| 1 year | +0.7% | +38.5K shares |
| 3 years | +4.5% | +232K shares |
| 5 years | -0.6% | -32.1K shares |
| Available history | -1.7% | -90.7K shares |
CBFV has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $9,000 |
| Q2 2026 | $14,000 |
| Q1 2026 | $292,000 |
| Q4 2025 | $14,000 |
| Q3 2025 | $7,000 |
| Q2 2025 | $4.4M |
| Q1 2025 | $2.4M |
| Q4 2024 | $634,000 |
CBFV spent $329,000 buying back its own shares over the past year, down 96% 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 | — |
CBFV Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 3.6x | Elevated |
| Q2 2026 | 2.4x | Moderate |
| Q1 2026 | -2.2x | Net Cash |
| Q4 2025 | 5.4x | High |
| Q3 2025 | -4.3x | Net Cash |
| Q2 2025 | -1.9x | Net Cash |
| Q1 2025 | -1.8x | Net Cash |
| Q4 2024 | 1.1x | Healthy |
CBFV's net debt is about 3.6 years of its operating earnings (EBITDA), after holding more cash than debt a year ago. Net leverage isn't a meaningful measure for financial services companies like CBFV.
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 CBFV on leverage, with a lower net debt burden relative to earnings.
CBFV Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 71.0 | Overbought |
| Stochastic | 89.3 | Overbought |
CBFV's weekly RSI is 71 (overbought) and its Stochastic is 89 (overbought).
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).
CBFV PE vs Financial Services Sector
| Metric | CBFV | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 7.7% below |
| PE % | 63 | 63 | Same percentile |
CBFV 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.
CBFV Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $38.6 | 6.5% above |
| 20 week MA | $37.7 | 8.9% above |
| 50 week MA | $36.4 | 13% above |
| 100 week MA | $33.3 | 23% above |
| 200 week MA | $28.3 | 45% above |
CBFV 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.
CBFV Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $30.6 | $20.3 | -34% |
| 2021 | $20.3 | $23.9 | +18% |
| 2022 | $23.9 | $21.3 | -11% |
| 2023 | $21.3 | $23.8 | +12% |
| 2024 | $23.8 | $28.7 | +20% |
| 2025 | $28.7 | $36.0 | +25% |
| 2026 YTD | $36.0 | $41.1 | +14% |
CBFV 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.