FGBI
First Guaranty Bancshares, Inc.
There isn't enough reported data to score FGBI yet.
SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
FGBI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Weak | |
| N/A | |
| N/A |
FGBI's revenue is currently stable, but its profitability is weak. Free cash flow and net leverage aren't meaningful measures for financial services companies like FGBI.
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.
FGBI PE Valuation
FGBI has no meaningful PE right now: it lost money over the past year. If it returns to profit as analysts expect, today's price would be 23x 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's PE is in its cheap range at 28x. If earnings grow as analysts expect, today's price would be 19x next year's earnings.
FGBI Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Returning to profit | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect FGBI to return to profit, with revenue growing.
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.
FGBI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.57 | — |
| Q2 2026 | -$2.57 | -$1.56 |
| Q1 2026 | -$3.35 | -2677% |
| Q4 2025 | -$4.03 | -598% |
| Q3 2025 | -$4.13 | -592% |
| Q2 2025 | -$1.01 | -222% |
| Q1 2025 | $0.13 | -73% |
| Q4 2024 | $0.81 | +31% |
| Q3 2024 | $0.84 | -14% |
FGBI lost $2.57 per share over the past year, a bigger loss than 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 FGBI on earnings quality, reporting a profit while its opponent remains loss making.
FGBI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $24.2M | -0.9% |
| Q1 2026 | $22.9M | -6.8% |
| Q4 2025 | $22.3M | -11% |
| Q3 2025 | $24.1M | -11% |
| Q2 2025 | $24.4M | -34% |
| Q1 2025 | $24.6M | +1.4% |
| Q4 2024 | $25.1M | +6.2% |
| Q3 2024 | $27.1M | +18% |
FGBI's revenue has slid since its 2024 peak: $24M last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 18% | +57 points |
| Q1 2026 | 15% | +48 points |
| Q4 2025 | 13% | +8.4 points |
| Q3 2025 | -224% | -233 points |
| Q2 2025 | -39% | -64 points |
| Q1 2025 | -33% | -45 points |
| Q4 2024 | 4.7% | -2.2 points |
| Q3 2024 | 9.2% | -0.9 points |
FGBI's operating margin was 18% last quarter, up 57 points from the same quarter a year ago.
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 FGBI 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 has the edge over FGBI on profitability, with a higher operating margin.
FGBI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | -$15.4M | +$3.2M |
| Q1 2026 | $50.4M | +873% |
| Q4 2025 | -$25.3M | -235% |
| Q3 2025 | $28.7M | +476% |
| Q2 2025 | -$18.6M | -381% |
| Q1 2025 | $5.2M | +1208% |
| Q4 2024 | $18.7M | +198% |
| Q3 2024 | $5M | +$11.8M |
FGBI 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.
FGBI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +3.4% | +530K shares |
| 1 year | +26% | +3.4M shares |
| 3 years | +50% | +5.4M shares |
| 5 years | +52% | +5.6M shares |
| Available history | +53% | +5.7M shares |
FGBI has 16M diluted shares, up 26% from a year ago.
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 FGBI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
FGBI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2025 | -63.2x | Net Cash |
| Q4 2024 | -17.7x | Net Cash |
| Q3 2024 | -16.8x | Net Cash |
| Q2 2024 | -13.8x | Net Cash |
| Q1 2024 | -21.8x | Net Cash |
| Q4 2023 | -0.7x | Net Cash |
| Q3 2023 | -8.7x | Net Cash |
| Q2 2023 | -4.4x | Net Cash |
FGBI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like FGBI.
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 more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SOFI.
FGBI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 73.6 | Overbought |
| Stochastic | 90.4 | Overbought |
FGBI's weekly RSI is 74 (overbought) and its Stochastic is 90 (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).
FGBI PE vs Financial Services Sector
| Metric | FGBI | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
FGBI has no meaningful PE right now: it lost money over the past year.
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.
FGBI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $9.51 | 36% above |
| 20 week MA | $9.27 | 39% above |
| 50 week MA | $8.75 | 48% above |
| 100 week MA | $8.66 | 49% above |
| 200 week MA | $10.4 | 24% above |
FGBI 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.
FGBI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.8 | $16.5 | -16% |
| 2021 | $16.5 | $20.7 | +25% |
| 2022 | $20.7 | $23.9 | +16% |
| 2023 | $23.9 | $11.1 | -53% |
| 2024 | $11.1 | $11.5 | +3.1% |
| 2025 | $11.5 | $5.03 | -56% |
| 2026 YTD | $5.03 | $12.9 | +157% |
FGBI 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.