CVBF
CVB Financial Corp.
CVBF has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over CVBF overall, supported by stronger valuation and stronger fundamentals.
CVBF Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
CVBF's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CVBF.
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.
CVBF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $17.13 | -24% |
| Forward | 12x | $22.48 | — |
| Fair | 14x | $20.54 | -8.6% |
| Expensive | 15x | $23.56 | +4.8% |
| Current | 15x | $22.48 | — |
Historical ranges are pointers, not guarantees.
CVBF's PE is in its expensive range at 15x. If earnings grow as analysts expect, today's price would be 12x next year's earnings, in its cheap 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 CVBF in the historical PE scenario, which offers more potential upside but is not a forecast.
CVBF Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for CVBF, 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.
CVBF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.92 | +26% |
| Q3 2026 | $1.52 | +3.4% |
| Q2 2026 | $1.46 | 0% |
| Q1 2026 | $1.54 | +6.2% |
| Q4 2025 | $1.52 | +5.6% |
| Q3 2025 | $1.47 | +2.8% |
| Q2 2025 | $1.46 | -1.4% |
| Q1 2025 | $1.45 | -4.6% |
| Q4 2024 | $1.44 | -9.4% |
CVBF earned $1.52 per share over the past year, up 3.4% 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 CVBF on earnings, with more consistent year-over-year improvement.
CVBF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $195.6M | +52% |
| Q2 2026 | $179.4M | +42% |
| Q1 2026 | $132.1M | +4.3% |
| Q4 2025 | $133.9M | +8.4% |
| Q3 2025 | $128.6M | +1.7% |
| Q2 2025 | $126.4M | +0.9% |
| Q1 2025 | $126.7M | +0.1% |
| Q4 2024 | $123.5M | -11% |
CVBF's revenue has grown year over year for seven quarters in a row: $196M last quarter, up 52% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 54% | +0.6 points |
| Q2 2026 | 36% | -18 points |
| Q1 2026 | 52% | -3 points |
| Q4 2025 | 56% | +0.5 points |
| Q3 2025 | 54% | +0.2 points |
| Q2 2025 | 54% | -0.4 points |
| Q1 2025 | 55% | +2.1 points |
| Q4 2024 | 55% | +1.2 points |
CVBF 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 CVBF on sales, with more consistent year-over-year improvement.
| 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.
CVBF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $137.8M | +71% |
| Q2 2026 | $387.4M | +641% |
| Q1 2026 | $61.2M | +49% |
| Q4 2025 | $43.2M | -41% |
| Q3 2025 | $80.7M | +15% |
| Q2 2025 | $52.3M | +114% |
| Q1 2025 | $41.2M | -47% |
| Q4 2024 | $72.8M | +55% |
CVBF 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.
CVBF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +4.8% | +8M shares |
| 1 year | +28% | +38M shares |
| 3 years | +26% | +36.7M shares |
| 5 years | +29% | +39.8M shares |
| Available history | +25% | +35.2M shares |
CVBF has 175M diluted shares, up 28% from a year ago, despite $56M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $17.6M |
| Q2 2026 | $2.1M |
| Q1 2026 | $3.1M |
| Q4 2025 | $33.8M |
| Q3 2025 | $6.1M |
| Q2 2025 | $22.5M |
| Q1 2025 | $18.7M |
| Q4 2024 | $193,000 |
CVBF spent $56M buying back its own shares over the past year, up 19% 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 the edge over CVBF on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
CVBF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.0x | Very low |
| Q2 2026 | -1.9x | Net Cash |
| Q1 2026 | 0.2x | Very low |
| Q4 2025 | 0.4x | Very low |
| Q3 2025 | 21.0x | High |
| Q2 2025 | 20.7x | High |
| Q1 2025 | -0.1x | Net Cash |
| Q4 2024 | 2.8x | Moderate |
CVBF's net debt is about a year of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CVBF.
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 CVBF on leverage, with a lower net debt burden relative to earnings.
CVBF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.6 | Neutral |
| Stochastic | 56.7 | Neutral |
CVBF's weekly RSI is 55 (neutral) and its Stochastic is 57 (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).
CVBF PE vs Financial Services Sector
| Metric | CVBF | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 14% above |
| PE % | 70 | 63 | 7 pts above |
CVBF 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.
CVBF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $22.4 | 0.5% above |
| 20 week MA | $22.5 | 0.2% below |
| 50 week MA | $21.0 | 7% above |
| 100 week MA | $20.2 | 11% above |
| 200 week MA | $19.1 | 18% above |
CVBF 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.
CVBF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $21.5 | $19.6 | -8.8% |
| 2021 | $19.6 | $21.5 | +9.6% |
| 2022 | $21.5 | $26.2 | +22% |
| 2023 | $26.2 | $20.2 | -23% |
| 2024 | $20.2 | $22.0 | +8.7% |
| 2025 | $22.0 | $19.6 | -11% |
| 2026 YTD | $19.6 | $22.5 | +15% |
CVBF 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.