CCNE
CNB Financial Corporation
CCNE has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over CCNE overall, supported by stronger valuation and stronger modeled upside.
CCNE Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CCNE's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CCNE.
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.
CCNE PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.8x | $22.90 | -36% |
| Fair | 9.4x | $31.75 | -11% |
| Forward | 9.8x | $35.64 | — |
| Current | 11x | $35.64 | — |
| Expensive | 12x | $41.88 | +17% |
Historical ranges are pointers, not guarantees.
CCNE's PE is in its expensive range at 11x. If earnings grow as analysts expect, today's price would be 9.8x next year's earnings, in its fair range.
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 CCNE in the historical PE scenario, which offers more potential upside but is not a forecast.
CCNE Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CCNE, 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.
CCNE Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.64 | +8.2% |
| Q3 2026 | $3.36 | +68% |
| Q2 2026 | $2.67 | +12% |
| Q1 2026 | $2.37 | +1.3% |
| Q4 2025 | $1.99 | -17% |
| Q3 2025 | $2.00 | -14% |
| Q2 2025 | $2.39 | +3% |
| Q1 2025 | $2.34 | -1.3% |
| Q4 2024 | $2.39 | -6.3% |
CCNE earned $3.36 per share over the past year, up 68% from 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 CCNE on earnings, with more consistent year-over-year improvement.
CCNE Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $87.8M | +13% |
| Q2 2026 | $87.6M | +43% |
| Q1 2026 | $83.3M | +46% |
| Q4 2025 | $86.4M | +45% |
| Q3 2025 | $77.7M | +33% |
| Q2 2025 | $61.2M | +12% |
| Q1 2025 | $56.9M | +5.1% |
| Q4 2024 | $59.4M | +4.5% |
CCNE's revenue has grown year over year for nine quarters in a row: $88M last quarter, up 13% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 38% | +26 points |
| Q2 2026 | 40% | +12 points |
| Q1 2026 | 40% | +15 points |
| Q4 2025 | 48% | +17 points |
| Q3 2025 | 12% | -18 points |
| Q2 2025 | 28% | -1.1 points |
| Q1 2025 | 25% | -3.3 points |
| Q4 2024 | 31% | +1.2 points |
CCNE 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 CCNE 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.
CCNE Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.6M | -26% |
| Q2 2026 | $36M | +101% |
| Q1 2026 | $18.8M | +91% |
| Q4 2025 | $26M | +38% |
| Q3 2025 | $4.9M | -78% |
| Q2 2025 | $17.9M | +332% |
| Q1 2025 | $9.9M | -1.4% |
| Q4 2024 | $18.8M | +19% |
CCNE 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.
CCNE Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +41K shares |
| 1 year | +8.3% | +2.3M shares |
| 3 years | +41% | +8.6M shares |
| 5 years | +75% | +12.7M shares |
| Available history | +95% | +14.4M shares |
CCNE has 30M diluted shares, up 8.3% from a year ago.
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 CCNE on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
CCNE Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.8x | Net Cash |
| Q2 2026 | -1.9x | Net Cash |
| Q1 2026 | -3.1x | Net Cash |
| Q4 2025 | -3.0x | Net Cash |
| Q3 2025 | -2.5x | Net Cash |
| Q2 2025 | -4.5x | Net Cash |
| Q1 2025 | -5.8x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
CCNE has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CCNE.
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 CCNE on leverage, with a lower net debt burden relative to earnings.
CCNE Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.7 | Neutral |
| Stochastic | 66.7 | Neutral |
CCNE's weekly RSI is 65 (neutral) and its Stochastic is 67 (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).
CCNE PE vs Financial Services Sector
| Metric | CCNE | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 19% below |
| PE % | 71 | 63 | 8 pts above |
CCNE 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.
CCNE Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $34.7 | 2.6% above |
| 20 week MA | $34.5 | 3.3% above |
| 50 week MA | $31.3 | 14% above |
| 100 week MA | $27.6 | 29% above |
| 200 week MA | $24.3 | 47% above |
CCNE 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.
CCNE Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $32.8 | $20.9 | -36% |
| 2021 | $20.9 | $26.7 | +28% |
| 2022 | $26.7 | $24.1 | -9.7% |
| 2023 | $24.1 | $22.6 | -6.3% |
| 2024 | $22.6 | $24.9 | +10% |
| 2025 | $24.9 | $26.8 | +7.7% |
| 2026 YTD | $26.8 | $35.6 | +33% |
CCNE 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.