EQBK
Equity Bancshares, Inc.
EQBK has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over EQBK overall, supported by stronger modeled upside and stronger valuation.
EQBK Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
EQBK's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like EQBK.
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.
EQBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.4x | $37.06 | -24% |
| Forward | 9.4x | $49.06 | — |
| Fair | 9.9x | $43.90 | -11% |
| Current | 11x | $49.06 | — |
| Expensive | 31x | $138 | +182% |
Historical ranges are pointers, not guarantees.
EQBK's PE is 11x, but its earnings don't support one, so it isn't a reliable read right now.
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 EQBK in the historical PE scenario, which offers more potential upside but is not a forecast.
EQBK Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for EQBK, but weaker profitability.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over EQBK on the outlook, with more favorable profitability expectations.
EQBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.22 | +18% |
| Q3 2026 | $4.43 | +263% |
| Q2 2026 | $1.59 | -61% |
| Q1 2026 | $1.18 | -70% |
| Q4 2025 | $1.23 | -69% |
| Q3 2023 | $3.02 | -11% |
| Q2 2023 | $3.15 | -3.1% |
| Q1 2023 | $3.35 | +0.3% |
| Q4 2022 | $3.51 | +2.3% |
EQBK's earnings per share have jumped to their highest in six years: $4.43 over the past year, up from $1.22 the year before. Its recent earnings include one-off gains.
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 EQBK on earnings, with more consistent year-over-year improvement.
EQBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $83.7M | +365% |
| Q2 2026 | $81.9M | +40% |
| Q1 2026 | $83.2M | +37% |
| Q4 2025 | $73M | +25% |
| Q3 2025 | $18M | -67% |
| Q2 2025 | $58.4M | +5.3% |
| Q1 2025 | $60.6M | +8.4% |
| Q3 2024 | $55.3M | +11% |
EQBK's revenue has grown year over year for four quarters in a row: $84M last quarter, up 365% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 41% | +248 points |
| Q2 2026 | 41% | +9.7 points |
| Q1 2026 | 27% | -4.4 points |
| Q4 2025 | 36% | +1.3 points |
| Q3 2025 | -207% | -250 points |
| Q2 2025 | 31% | +2.1 points |
| Q1 2025 | 31% | -0.7 points |
| Q4 2024 | 35% | N/A |
EQBK 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 EQBK 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.
EQBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $9.9M | +123% |
| Q2 2026 | $35.5M | +37% |
| Q1 2026 | $11.5M | -43% |
| Q4 2025 | -$12.5M | -163% |
| Q3 2025 | $4.5M | -77% |
| Q2 2025 | $26M | +71% |
| Q1 2025 | $20.2M | +90% |
| Q3 2024 | $19.7M | -0.9% |
EQBK 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.
EQBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -22.7K shares |
| 1 year | +8.7% | +1.7M shares |
| 3 years | +34% | +5.2M shares |
| 5 years | +42% | +6.1M shares |
| Available history | +31% | +5M shares |
EQBK has 21M diluted shares, up 8.7% from a year ago, despite $40M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $9.9M |
| Q1 2026 | $22.7M |
| Q4 2025 | $7.2M |
| Q3 2025 | $6.5M |
| Q2 2025 | $274,000 |
| Q1 2025 | — |
| Q4 2024 | — |
EQBK spent $40M buying back its own shares over the past year, about six times what it spent 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 EQBK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
EQBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.6x | Healthy |
| Q2 2026 | -0.3x | Net Cash |
| Q1 2026 | -2.1x | Net Cash |
| Q4 2025 | -5.1x | Net Cash |
| Q3 2025 | -8.1x | Net Cash |
| Q2 2025 | 1.0x | Very low |
| Q1 2025 | -0.6x | Net Cash |
| Q4 2024 | -0.9x | Net Cash |
EQBK's net debt is about 1.6 years of its operating earnings (EBITDA), after holding more cash than debt a year ago. Net leverage isn't a meaningful measure for financial services companies like EQBK.
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 EQBK on leverage, with a lower net debt burden relative to earnings.
EQBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.7 | Neutral |
| Stochastic | 45.4 | Neutral |
EQBK's weekly RSI is 54 (neutral) and its Stochastic is 45 (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).
EQBK PE vs Financial Services Sector
| Metric | EQBK | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 15% below |
| PE % | 70 | 63 | 7 pts above |
EQBK 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.
EQBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $48.2 | 1.8% above |
| 20 week MA | $49.3 | 0.5% below |
| 50 week MA | $47.2 | 4% above |
| 100 week MA | $43.9 | 12% above |
| 200 week MA | $37.8 | 30% above |
EQBK 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.
EQBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $30.5 | $21.3 | -30% |
| 2021 | $21.3 | $33.3 | +56% |
| 2022 | $33.3 | $32.9 | -1.3% |
| 2023 | $32.9 | $33.9 | +3.2% |
| 2024 | $33.9 | $42.7 | +26% |
| 2025 | $42.7 | $45.7 | +6.9% |
| 2026 YTD | $45.7 | $49.1 | +7.5% |
EQBK 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.