COFS
ChoiceOne Financial Services, Inc.
COFS has slightly lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over COFS overall, supported by stronger modeled upside and stronger valuation.
COFS Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
COFS's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like COFS.
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.
COFS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.8x | $32.20 | -13% |
| Current | 8.9x | $36.87 | — |
| Forward | 9.7x | $36.87 | — |
| Fair | 9.8x | $40.45 | +9.7% |
| Expensive | 19x | $78.62 | +113% |
Historical ranges are pointers, not guarantees.
COFS's PE is in its fair range at 8.9x. On analysts' estimates for next year's earnings, today's price would be 9.7x.
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 COFS in the historical PE scenario, which offers more potential upside but is not a forecast.
COFS Forward outlook
| Metric | Outlook |
|---|---|
| Deteriorating | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect COFS's earnings to grow and its profitability to improve, with its revenue holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over COFS on the outlook, with more favorable valuation and revenue expectations.
COFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.80 | -8.2% |
| Q3 2026 | $4.14 | +202% |
| Q2 2026 | $4.14 | +231% |
| Q1 2026 | $4.21 | +245% |
| Q4 2025 | $2.01 | -38% |
| Q3 2025 | $1.37 | -57% |
| Q2 2025 | $1.25 | -58% |
| Q1 2025 | $1.22 | -57% |
| Q4 2024 | $3.25 | +15% |
COFS earned $4.14 per share over the past year, about three 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 COFS on earnings, with more consistent year-over-year improvement.
COFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $45.2M | +1% |
| Q2 2026 | $41.6M | -2.8% |
| Q1 2026 | $42.5M | +36% |
| Q4 2025 | $42.9M | +76% |
| Q3 2025 | $44.7M | +78% |
| Q2 2025 | $42.8M | +91% |
| Q1 2025 | $31.2M | +52% |
| Q4 2024 | $24.3M | +18% |
COFS's revenue is growing: $45M last quarter, up 1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | -1.7 points |
| Q2 2026 | 36% | -2.8 points |
| Q1 2026 | 39% | +96 points |
| Q4 2025 | 39% | +3 points |
| Q3 2025 | 41% | +4 points |
| Q2 2025 | 39% | +2.5 points |
| Q1 2025 | -56% | -90 points |
| Q4 2024 | 36% | +4.8 points |
COFS 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's revenue has grown year over year every quarter since mid-2022: $1.4B last quarter, up 44% from the same quarter a year ago.
| 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.
COFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $14.6M | +6.4% |
| Q2 2026 | $27.1M | +294% |
| Q1 2026 | -$1.7M | +$5.6M |
| Q4 2025 | $11.9M | -49% |
| Q3 2025 | $13.7M | +$20.4M |
| Q2 2025 | $6.9M | -55% |
| Q1 2025 | -$7.3M | -149% |
| Q4 2024 | $23.3M | +$35M |
COFS 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.
COFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -4.7K shares |
| 1 year | -0.4% | -59.3K shares |
| 3 years | +98% | +7.4M shares |
| 5 years | +97% | +7.4M shares |
| Available history | +107% | +7.7M shares |
COFS has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.3M |
| Q2 2026 | $1.1M |
| Q1 2026 | $1.4M |
| Q1 2025 | $2.1M |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
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 | — |
COFS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.6x | Net Cash |
| Q2 2026 | -0.5x | Net Cash |
| Q1 2026 | -0.5x | Net Cash |
| Q4 2025 | -0.9x | Net Cash |
| Q3 2025 | -1.5x | Net Cash |
| Q2 2025 | -4.8x | Net Cash |
| Q1 2025 | -7.4x | Net Cash |
| Q4 2024 | -1.7x | Net Cash |
COFS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like COFS.
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 COFS on leverage, with a lower net debt burden relative to earnings.
COFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 68.5 | Neutral |
| Stochastic | 69.3 | Neutral |
COFS's weekly RSI is 69 (neutral) and its Stochastic is 69 (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).
COFS PE vs Financial Services Sector
| Metric | COFS | Sector median | Relative |
|---|---|---|---|
| PE | 8.9x | 13x | 32% below |
| PE % | 33 | 63 | 30 pts below |
COFS 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.
COFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $34.4 | 7.2% above |
| 20 week MA | $34.0 | 8.6% above |
| 50 week MA | $31.6 | 17% above |
| 100 week MA | $30.8 | 20% above |
| 200 week MA | $28.6 | 29% above |
COFS 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.
COFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $32.0 | $29.9 | -6.7% |
| 2021 | $29.9 | $25.8 | -14% |
| 2022 | $25.8 | $27.2 | +5.4% |
| 2023 | $27.2 | $29.3 | +7.7% |
| 2024 | $29.3 | $35.4 | +21% |
| 2025 | $35.4 | $30.1 | -15% |
| 2026 YTD | $30.1 | $36.9 | +22% |
COFS 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.