EGBN
Eagle Bancorp, Inc.
EGBN's outlook is improving despite an expensive valuation.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over EGBN overall, supported by stronger valuation and stronger modeled upside.
EGBN Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
EGBN's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like EGBN.
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.
EGBN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.8x | $9.58 | -72% |
| Fair | 9.3x | $13.05 | -62% |
| Expensive | 11x | $15.45 | -55% |
| Forward | 15x | $34.38 | — |
| Current | 24x | $34.38 | — |
Historical ranges are pointers, not guarantees.
EGBN's PE is in its expensive range at 24x. If earnings grow as analysts expect, today's price would be 15x next year's earnings.
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 EGBN in the historical PE scenario, which offers more potential upside but is not a forecast.
EGBN Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect EGBN's earnings to grow and its profitability to improve, with its revenue holding steady. However, they disagree widely on these estimates.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over EGBN on the outlook, with more favorable revenue expectations.
EGBN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.28 | +62% |
| Q3 2026 | $1.41 | +$5.36 |
| Q2 2026 | -$1.60 | -$0.59 |
| Q1 2026 | -$4.13 | -$2.64 |
| Q4 2025 | -$4.55 | -$2.99 |
| Q3 2025 | -$3.95 | -$2.56 |
| Q2 2025 | -$1.01 | +$0.19 |
| Q1 2025 | -$1.49 | -159% |
| Q4 2024 | -$1.56 | -147% |
EGBN has returned to profit: it earned $1.41 per share over the past year, after losing money 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 EGBN on earnings, with more consistent year-over-year improvement.
EGBN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $70.9M | +0.3% |
| Q2 2026 | $73.1M | -1.5% |
| Q1 2026 | $76.4M | +3.4% |
| Q4 2025 | $80.5M | +7.5% |
| Q3 2025 | $70.7M | -10% |
| Q2 2025 | $74.2M | -3.3% |
| Q1 2025 | $73.9M | -5.7% |
| Q4 2024 | $74.9M | -1.4% |
EGBN's revenue fell from its 2020 peak and has held roughly level since: $71M last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | +149 points |
| Q2 2026 | 10% | +158 points |
| Q1 2026 | 21% | +18 points |
| Q4 2025 | -6.2% | -33 points |
| Q3 2025 | -119% | -153 points |
| Q2 2025 | -147% | -44 points |
| Q1 2025 | 3.3% | -0.1 points |
| Q4 2024 | 26% | -6.4 points |
EGBN 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 EGBN 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.
EGBN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $54.2M | +242% |
| Q2 2026 | $31.5M | +$60.9M |
| Q1 2026 | $14.3M | -67% |
| Q3 2025 | $15.8M | -72% |
| Q2 2025 | -$29.3M | -153% |
| Q1 2025 | $43M | +1413% |
| Q3 2024 | $55.6M | +17% |
| Q2 2024 | $55.2M | +80% |
EGBN's free cash flow was $91M over the past year, up 7.2% from the year before. Free cash flow isn't a meaningful measure for financial services companies like EGBN.
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.
EGBN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +64K shares |
| 1 year | +0.9% | +266K shares |
| 3 years | +2.3% | +690K shares |
| 5 years | -4.4% | -1.4M shares |
| Available history | -10% | -3.6M shares |
EGBN has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | $2,000 |
| Q3 2023 | $2,000 |
| Q2 2023 | $29.7M |
| Q1 2023 | $18.4M |
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 | — |
EGBN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.5x | Healthy |
| Q1 2024 | 16.2x | High |
| Q4 2023 | 0.7x | Very low |
| Q3 2023 | 0.4x | Very low |
| Q2 2023 | 0.4x | Very low |
| Q1 2023 | 0.4x | Very low |
| Q4 2022 | 5.5x | High |
| Q3 2022 | 0.2x | Very low |
EGBN's net debt is about 1.5 years of its operating earnings (EBITDA), up from less than a year a year ago. Net leverage isn't a meaningful measure for financial services companies like EGBN.
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 EGBN on leverage, with a lower net debt burden relative to earnings.
EGBN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 73.5 | Overbought |
| Stochastic | 89.0 | Overbought |
EGBN's weekly RSI is 73 (overbought) and its Stochastic is 89 (overbought).
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).
EGBN PE vs Financial Services Sector
| Metric | EGBN | Sector median | Relative |
|---|---|---|---|
| PE | 24x | 13x | 87% above |
| PE % | 100 | 63 | 37 pts above |
EGBN 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.
EGBN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $31.1 | 11% above |
| 20 week MA | $29.2 | 18% above |
| 50 week MA | $26.8 | 28% above |
| 100 week MA | $23.5 | 46% above |
| 200 week MA | $24.5 | 40% above |
EGBN 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.
EGBN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $48.8 | $41.0 | -16% |
| 2021 | $41.0 | $56.8 | +39% |
| 2022 | $56.8 | $44.6 | -21% |
| 2023 | $44.6 | $30.1 | -32% |
| 2024 | $30.1 | $26.0 | -14% |
| 2025 | $26.0 | $21.2 | -19% |
| 2026 YTD | $21.2 | $34.4 | +62% |
EGBN 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.