FCBC
First Community Bankshares, Inc.
FCBC has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over FCBC overall, supported by stronger valuation and stronger modeled upside.
FCBC Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
FCBC's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like FCBC.
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.
FCBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $33.53 | -27% |
| Fair | 12x | $40.79 | -11% |
| Current | 14x | $45.89 | — |
| Forward | 14x | $45.89 | — |
| Expensive | 15x | $48.87 | +6.5% |
Historical ranges are pointers, not guarantees.
FCBC's PE is in its expensive range at 13.9x. On analysts' estimates for next year's earnings, today's price would be 14.1x.
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 FCBC in the historical PE scenario, which offers more potential upside but is not a forecast.
FCBC Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for FCBC, but weaker profitability.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over FCBC on the outlook, with more favorable valuation and profitability expectations.
FCBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.25 | -1.7% |
| Q3 2026 | $3.31 | +23% |
| Q2 2026 | $3.17 | +16% |
| Q1 2026 | $2.65 | -4.3% |
| Q4 2025 | $2.66 | -6.3% |
| Q3 2025 | $2.69 | -3.6% |
| Q2 2025 | $2.73 | -4.9% |
| Q1 2025 | $2.77 | +2.2% |
| Q4 2024 | $2.84 | +4.4% |
FCBC earned $3.31 per share over the past year, up 23% 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 FCBC on earnings, with more consistent year-over-year improvement.
FCBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $48.5M | +15% |
| Q2 2026 | $57.2M | +40% |
| Q1 2026 | $44.8M | +10% |
| Q4 2025 | $43.8M | +5.1% |
| Q3 2025 | $42.2M | +0.3% |
| Q2 2025 | $41M | -0.6% |
| Q1 2025 | $40.5M | -0.9% |
| Q4 2024 | $41.7M | -2% |
FCBC's revenue has grown year over year for five quarters in a row: $49M last quarter, up 15% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 41% | +3.3 points |
| Q2 2026 | 51% | +12 points |
| Q1 2026 | 35% | -2.7 points |
| Q4 2025 | 37% | -2.7 points |
| Q3 2025 | 38% | -1.5 points |
| Q2 2025 | 39% | -0.7 points |
| Q1 2025 | 38% | -2.7 points |
| Q4 2024 | 40% | +4.9 points |
FCBC 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 FCBC 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.
FCBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $20.5M | +11% |
| Q2 2026 | $17.8M | +79% |
| Q1 2026 | -$12.5M | -203% |
| Q4 2025 | $19.4M | +32% |
| Q3 2025 | $18.5M | +69% |
| Q2 2025 | $10M | -29% |
| Q1 2025 | $12.1M | -20% |
| Q4 2024 | $14.8M | +2% |
FCBC 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.
FCBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +13.9K shares |
| 1 year | +3.2% | +593K shares |
| 3 years | +0.9% | +161K shares |
| 5 years | +9.9% | +1.7M shares |
| Available history | +21% | +3.3M shares |
FCBC has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $20.3M |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | $1.9M |
| Q1 2025 | — |
| Q4 2024 | — |
FCBC spent $20M buying back its own shares over the past year, more than ten 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 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 | — |
FCBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.2x | Net Cash |
| Q2 2026 | -1.4x | Net Cash |
| Q1 2026 | -1.7x | Net Cash |
| Q4 2025 | -1.8x | Net Cash |
| Q3 2025 | -1.1x | Net Cash |
| Q2 2025 | -1.3x | Net Cash |
| Q1 2025 | -1.2x | Net Cash |
| Q4 2024 | -1.1x | Net Cash |
FCBC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like FCBC.
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 FCBC on leverage, with a lower net debt burden relative to earnings.
FCBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.8 | Neutral |
| Stochastic | 25.1 | Neutral |
FCBC's weekly RSI is 50 (neutral) and its Stochastic is 25 (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).
FCBC PE vs Financial Services Sector
| Metric | FCBC | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 6.5% above |
| PE % | 73 | 63 | 10 pts above |
FCBC 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.
FCBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $47.3 | 3% below |
| 20 week MA | $47.4 | 3.2% below |
| 50 week MA | $42.7 | 7.5% above |
| 100 week MA | $40.3 | 14% above |
| 200 week MA | $37.4 | 23% above |
FCBC 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.
FCBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $31.0 | $21.8 | -30% |
| 2021 | $21.8 | $33.5 | +53% |
| 2022 | $33.5 | $34.8 | +4% |
| 2023 | $34.8 | $37.1 | +6.5% |
| 2024 | $37.1 | $41.7 | +12% |
| 2025 | $41.7 | $33.8 | -19% |
| 2026 YTD | $33.8 | $45.9 | +36% |
FCBC 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.