CBU
Community Bank System, Inc.
CBU has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over CBU overall, supported by stronger modeled upside and stronger valuation.
CBU Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CBU's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CBU.
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.
CBU PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 13x | $64.49 | — |
| Cheap | 15x | $67.52 | +4.7% |
| Current | 15x | $64.49 | — |
| Fair | 19x | $82.32 | +28% |
| Expensive | 21x | $93.38 | +45% |
Historical ranges are pointers, not guarantees.
CBU has the edge over SOFI in the historical PE scenario, which offers more potential upside but is not a forecast.
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's PE is in its cheap range at 28x. If earnings grow as analysts expect, today's price would be 19x next year's earnings.
CBU Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CBU, with profitability holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over CBU on the outlook, with more favorable profitability expectations.
CBU Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.98 | +12% |
| Q3 2026 | $4.43 | +14% |
| Q2 2026 | $4.31 | +17% |
| Q1 2026 | $4.12 | +14% |
| Q4 2025 | $3.97 | +15% |
| Q3 2025 | $3.88 | +24% |
| Q2 2025 | $3.67 | +18% |
| Q1 2025 | $3.61 | +16% |
| Q4 2024 | $3.44 | +40% |
CBU 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.
CBU Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $231.6M | +11% |
| Q2 2026 | $219.8M | +9.6% |
| Q1 2026 | $215.2M | +9.1% |
| Q4 2025 | $217M | +11% |
| Q3 2025 | $208.1M | +10% |
| Q2 2025 | $200.5M | +9.1% |
| Q1 2025 | $197.3M | +11% |
| Q4 2024 | $196.3M | +11% |
CBU's revenue has grown year over year for 12 quarters in a row: $232M last quarter, up 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 35% | -0.3 points |
| Q2 2026 | 37% | +3.8 points |
| Q1 2026 | 35% | +2.1 points |
| Q4 2025 | 33% | +0.3 points |
| Q3 2025 | 35% | +5 points |
| Q2 2025 | 33% | -0.8 points |
| Q1 2025 | 33% | +2.6 points |
| Q4 2024 | 33% | +8.1 points |
CBU 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 CBU 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.
CBU Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $106.4M | +28% |
| Q2 2026 | $41.4M | +14% |
| Q1 2026 | $60.3M | +16% |
| Q4 2025 | $61.6M | +5.2% |
| Q3 2025 | $83.4M | +61% |
| Q2 2025 | $36.4M | +7.7% |
| Q1 2025 | $52M | -33% |
| Q4 2024 | $58.5M | +46% |
CBU 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.
CBU Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +17K shares |
| 1 year | 0% | -4K shares |
| 3 years | -1.5% | -806K shares |
| 5 years | -3% | -1.6M shares |
| Available history | +1.1% | +552K shares |
CBU has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $15.8M |
| Q2 2026 | $564,000 |
| Q1 2026 | $15.5M |
| Q4 2025 | $44,000 |
| Q3 2025 | $11M |
| Q2 2025 | $42,000 |
| Q1 2025 | $48,000 |
| Q4 2024 | $47,000 |
CBU spent $32M buying back its own shares over the past year, up 186% 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 | — |
CBU Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.2x | Net Cash |
| Q2 2026 | -0.8x | Net Cash |
| Q1 2026 | -1.8x | Net Cash |
| Q4 2025 | -1.0x | Net Cash |
| Q3 2025 | -0.8x | Net Cash |
| Q2 2025 | -0.9x | Net Cash |
| Q1 2025 | -1.9x | Net Cash |
| Q4 2024 | 3.0x | Elevated |
CBU has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CBU.
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 CBU on leverage, with a lower net debt burden relative to earnings.
CBU Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.5 | Neutral |
| Stochastic | 65.5 | Neutral |
CBU's weekly RSI is 55 (neutral) and its Stochastic is 66 (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).
CBU PE vs Financial Services Sector
| Metric | CBU | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 12% above |
| PE % | 7 | 63 | 56 pts below |
CBU 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.
CBU Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $61.9 | 4.2% above |
| 20 week MA | $63.8 | 1.1% above |
| 50 week MA | $62.6 | 3% above |
| 100 week MA | $60.4 | 6.8% above |
| 200 week MA | $55.9 | 15% above |
CBU 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.
CBU Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $70.6 | $62.6 | -11% |
| 2021 | $62.6 | $74.2 | +18% |
| 2022 | $74.2 | $62.3 | -16% |
| 2023 | $62.3 | $52.1 | -16% |
| 2024 | $52.1 | $62.3 | +20% |
| 2025 | $62.3 | $59.0 | -5.2% |
| 2026 YTD | $59.0 | $64.5 | +9.2% |
CBU 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.