CTBI
Community Trust Bancorp, Inc.
CTBI has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over CTBI overall, supported by stronger valuation and stronger modeled upside.
CTBI Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CTBI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CTBI.
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.
CTBI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.8x | $53.41 | -24% |
| Fair | 10x | $61.56 | -12% |
| Forward | 11x | $70.09 | — |
| Expensive | 12x | $72.83 | +3.9% |
| Current | 12x | $70.09 | — |
Historical ranges are pointers, not guarantees.
CTBI's PE is in its expensive range at 12x. If earnings grow as analysts expect, today's price would be 11x 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 CTBI in the historical PE scenario, which offers more potential upside but is not a forecast.
CTBI Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CTBI, 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.
CTBI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.46 | +6.3% |
| Q3 2026 | $6.08 | +18% |
| Q2 2026 | $5.97 | +18% |
| Q1 2026 | $5.71 | +19% |
| Q4 2025 | $5.43 | +18% |
| Q3 2025 | $5.17 | +17% |
| Q2 2025 | $5.08 | +17% |
| Q1 2025 | $4.79 | +11% |
| Q4 2024 | $4.61 | +5.7% |
CTBI 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.
CTBI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $79.7M | +11% |
| Q2 2026 | $78.5M | +12% |
| Q1 2026 | $74.2M | +12% |
| Q4 2025 | $74.7M | +14% |
| Q3 2025 | $71.5M | +14% |
| Q2 2025 | $70.2M | +14% |
| Q1 2025 | $66.2M | +13% |
| Q4 2024 | $65.7M | +16% |
CTBI's revenue has grown year over year for 11 quarters in a row: $80M last quarter, up 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 43% | -0.5 points |
| Q2 2026 | 49% | +2.6 points |
| Q1 2026 | 48% | +4.7 points |
| Q4 2025 | 47% | +2.7 points |
| Q3 2025 | 43% | -0.6 points |
| Q2 2025 | 46% | +3.9 points |
| Q1 2025 | 43% | +2.3 points |
| Q4 2024 | 45% | +3.6 points |
CTBI 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 CTBI 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.
CTBI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $32.4M | -11% |
| Q2 2026 | $43.1M | +217% |
| Q1 2026 | $37.9M | +9.9% |
| Q4 2025 | $13M | -33% |
| Q3 2025 | $36.4M | +2.8% |
| Q2 2025 | $13.6M | -26% |
| Q1 2025 | $34.5M | +44% |
| Q4 2024 | $19.4M | +3.7% |
CTBI 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.
CTBI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +15K shares |
| 1 year | +0.3% | +61K shares |
| 3 years | +1.2% | +210K shares |
| 5 years | +1.7% | +306K shares |
| Available history | +2.1% | +374K shares |
CTBI has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2021 | — |
| Q3 2021 | — |
| Q2 2021 | — |
| Q1 2021 | — |
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | $1.1M |
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 | — |
CTBI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.3x | Net Cash |
| Q2 2026 | -3.6x | Net Cash |
| Q1 2026 | -2.6x | Net Cash |
| Q4 2025 | 0.1x | Very low |
| Q3 2025 | -4.1x | Net Cash |
| Q2 2025 | -3.2x | Net Cash |
| Q1 2025 | -2.9x | Net Cash |
| Q4 2024 | -0.6x | Net Cash |
CTBI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CTBI.
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 CTBI on leverage, with a lower net debt burden relative to earnings.
CTBI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.8 | Neutral |
| Stochastic | 18.2 | Oversold |
CTBI's weekly RSI is 46 (neutral) and its Stochastic is 18 (oversold).
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).
CTBI PE vs Financial Services Sector
| Metric | CTBI | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 11% below |
| PE % | 75 | 63 | 12 pts above |
CTBI 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.
CTBI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $72.5 | 3.3% below |
| 20 week MA | $74.8 | 6.2% below |
| 50 week MA | $67.7 | 3.6% above |
| 100 week MA | $60.4 | 16% above |
| 200 week MA | $51.4 | 36% above |
CTBI 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.
CTBI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $46.5 | $37.1 | -20% |
| 2021 | $37.1 | $43.3 | +17% |
| 2022 | $43.3 | $45.7 | +5.6% |
| 2023 | $45.7 | $43.9 | -4% |
| 2024 | $43.9 | $53.6 | +22% |
| 2025 | $53.6 | $57.8 | +7.8% |
| 2026 YTD | $57.8 | $70.1 | +21% |
CTBI 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.