CBSH
Commerce Bancshares, Inc.
CBSH has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over CBSH overall, supported by stronger fundamentals and stronger valuation.
CBSH Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
CBSH's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CBSH.
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.
CBSH PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 13x | $53.32 | -4% |
| Forward | 13x | $55.57 | — |
| Current | 14x | $55.57 | — |
| Fair | 16x | $62.21 | +12% |
| Expensive | 19x | $75.69 | +36% |
Historical ranges are pointers, not guarantees.
CBSH's PE is in its cheap range at 14x. If earnings grow as analysts expect, today's price would be 13x 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 CBSH in the historical PE scenario, which offers more potential upside but is not a forecast.
CBSH Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for CBSH, with profitability improving.
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.
CBSH Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.43 | +11% |
| Q3 2026 | $4.00 | -1.2% |
| Q2 2026 | $3.98 | -0.7% |
| Q1 2026 | $4.02 | +3.3% |
| Q4 2025 | $4.04 | +8.3% |
| Q3 2025 | $4.05 | +15% |
| Q2 2025 | $4.01 | +18% |
| Q1 2025 | $3.89 | +18% |
| Q4 2024 | $3.73 | +12% |
CBSH 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.
CBSH Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $494.3M | +12% |
| Q2 2026 | $498.9M | +12% |
| Q1 2026 | $475.7M | +11% |
| Q4 2025 | $449.4M | +6.5% |
| Q3 2025 | $441M | +4.6% |
| Q2 2025 | $445.8M | +7.5% |
| Q1 2025 | $428.1M | +7.6% |
| Q4 2024 | $422.1M | +7.3% |
CBSH's revenue has grown year over year for 18 quarters in a row: $494M last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 41% | -0.9 points |
| Q2 2026 | 41% | -2.7 points |
| Q1 2026 | 39% | -0.2 points |
| Q4 2025 | 41% | -0.4 points |
| Q3 2025 | 42% | -0.5 points |
| Q2 2025 | 44% | +0.6 points |
| Q1 2025 | 39% | +2.2 points |
| Q4 2024 | 41% | +4.6 points |
CBSH 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 CBSH 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.
CBSH Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $181M | +60% |
| Q2 2026 | $169.1M | +68% |
| Q1 2026 | $678.4M | +438% |
| Q4 2025 | $252.6M | +$403.3M |
| Q3 2025 | $113.3M | -73% |
| Q2 2025 | $100.5M | -28% |
| Q1 2025 | $126M | +1.2% |
| Q4 2024 | -$150.7M | -243% |
CBSH 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.
CBSH Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.3% | -1.9M shares |
| 1 year | +6.9% | +9.1M shares |
| 3 years | +3.3% | +4.5M shares |
| 5 years | +0.2% | +350K shares |
| Available history | -1% | -1.5M shares |
CBSH has 142M diluted shares, up 6.9% from a year ago, despite $422M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $110.7M |
| Q2 2026 | $112.1M |
| Q1 2026 | $84.3M |
| Q4 2025 | $115.3M |
| Q3 2025 | $25.2M |
| Q2 2025 | $11.9M |
| Q1 2025 | $55.2M |
| Q4 2024 | $46.9M |
CBSH spent $422M buying back its own shares over the past year, about three times what it spent 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 the edge over CBSH on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
CBSH Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.7x | Net Cash |
| Q2 2026 | -0.8x | Net Cash |
| Q1 2026 | -0.7x | Net Cash |
| Q4 2025 | -1.0x | Net Cash |
| Q3 2025 | -0.6x | Net Cash |
| Q2 2025 | -0.7x | Net Cash |
| Q1 2025 | -0.7x | Net Cash |
| Q4 2024 | -1.0x | Net Cash |
CBSH has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CBSH.
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 CBSH on leverage, with a lower net debt burden relative to earnings.
CBSH Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 48.6 | Neutral |
| Stochastic | 24.3 | Neutral |
CBSH's weekly RSI is 49 (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).
CBSH PE vs Financial Services Sector
| Metric | CBSH | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 6.7% above |
| PE % | 22 | 63 | 41 pts below |
CBSH 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.
CBSH Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $55.4 | 0.2% above |
| 20 week MA | $57.4 | 3.1% below |
| 50 week MA | $54.3 | 2.3% above |
| 100 week MA | $56.2 | 1.1% below |
| 200 week MA | $52.9 | 5.1% above |
CBSH 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.
CBSH Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $50.9 | $52.0 | +2.2% |
| 2021 | $52.0 | $56.0 | +7.7% |
| 2022 | $56.0 | $57.7 | +3% |
| 2023 | $57.7 | $48.4 | -16% |
| 2024 | $48.4 | $59.8 | +24% |
| 2025 | $59.8 | $53.0 | -11% |
| 2026 YTD | $53.0 | $55.6 | +4.9% |
CBSH 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.