FIBK
First Interstate BancSystem, Inc.
FIBK has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over FIBK overall, supported by stronger modeled upside and stronger valuation.
FIBK Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
FIBK's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like FIBK.
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.
FIBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $34.46 | -8.5% |
| Current | 12x | $37.67 | — |
| Fair | 13x | $42.01 | +12% |
| Forward | 13x | $37.67 | — |
| Expensive | 16x | $51.86 | +38% |
Historical ranges are pointers, not guarantees.
FIBK's PE is in its cheap range at 12x. On analysts' estimates for next year's earnings, today's price would be 13x, in its fair 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 FIBK in the historical PE scenario, which offers more potential upside but is not a forecast.
FIBK Forward outlook
| Metric | Outlook |
|---|---|
| Deteriorating | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect FIBK's earnings to grow and its profitability to improve, with its revenue holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over FIBK on the outlook, with more favorable valuation and revenue expectations.
FIBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.89 | -9.8% |
| Q3 2026 | $3.20 | +35% |
| Q2 2026 | $3.24 | +46% |
| Q1 2026 | $3.06 | +45% |
| Q4 2025 | $2.94 | +34% |
| Q3 2025 | $2.37 | +3.9% |
| Q2 2025 | $2.22 | -9% |
| Q1 2025 | $2.11 | -16% |
| Q4 2024 | $2.19 | -12% |
FIBK earned $3.20 per share over the past year, up 35% 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 earned $0.56 per share over the past year, about the same as the year before.
FIBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $249.5M | -0.4% |
| Q2 2026 | $263.9M | +6.3% |
| Q1 2026 | $241.8M | -2.1% |
| Q4 2025 | $313M | +20% |
| Q3 2025 | $250.5M | -0.6% |
| Q2 2025 | $248.3M | +1.6% |
| Q1 2025 | $247M | +2% |
| Q4 2024 | $261.3M | +3.6% |
FIBK's revenue has picked up after three years of holding roughly level: $250M last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 33% | -4.1 points |
| Q2 2026 | 41% | +3.3 points |
| Q1 2026 | 32% | +5.2 points |
| Q4 2025 | 44% | +19 points |
| Q3 2025 | 37% | +8.1 points |
| Q2 2025 | 38% | +5.6 points |
| Q1 2025 | 27% | -4.8 points |
| Q4 2024 | 26% | -6.5 points |
FIBK 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 FIBK 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.
FIBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $105.7M | +15% |
| Q2 2026 | $57.9M | -15% |
| Q1 2026 | $55M | -30% |
| Q4 2025 | $67.3M | -29% |
| Q3 2025 | $91.7M | +2% |
| Q2 2025 | $68.1M | -17% |
| Q1 2025 | $78.5M | -10% |
| Q4 2024 | $95.2M | +37% |
FIBK 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.
FIBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.8% | -1.7M shares |
| 1 year | -8% | -8.3M shares |
| 3 years | -8.4% | -8.7M shares |
| 5 years | +54% | +33.3M shares |
| Available history | +49% | +31.2M shares |
FIBK has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $77.2M |
| Q2 2026 | $69.5M |
| Q1 2026 | $87.7M |
| Q4 2025 | $91.2M |
| Q3 2025 | $27.5M |
| Q2 2025 | — |
| Q1 2025 | $3.2M |
| Q4 2024 | — |
FIBK spent $326M 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 | — |
FIBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.7x | Net Cash |
| Q2 2026 | -0.7x | Net Cash |
| Q1 2026 | -0.7x | Net Cash |
| Q4 2025 | -0.5x | Net Cash |
| Q3 2025 | -0.6x | Net Cash |
| Q2 2025 | -0.5x | Net Cash |
| Q1 2025 | 1.7x | Healthy |
| Q4 2024 | -0.7x | Net Cash |
FIBK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like FIBK.
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 FIBK on leverage, with a lower net debt burden relative to earnings.
FIBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.6 | Neutral |
| Stochastic | 63.9 | Neutral |
FIBK's weekly RSI is 55 (neutral) and its Stochastic is 64 (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).
FIBK PE vs Financial Services Sector
| Metric | FIBK | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 9.6% below |
| PE % | 30 | 63 | 33 pts below |
FIBK 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.
FIBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $36.5 | 3.1% above |
| 20 week MA | $37.4 | 0.6% above |
| 50 week MA | $36.3 | 3.8% above |
| 100 week MA | $33.2 | 13% above |
| 200 week MA | $30.7 | 23% above |
FIBK 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.
FIBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $41.8 | $40.7 | -2.8% |
| 2021 | $40.7 | $39.1 | -3.8% |
| 2022 | $39.1 | $38.3 | -2% |
| 2023 | $38.3 | $30.8 | -20% |
| 2024 | $30.8 | $32.4 | +5.3% |
| 2025 | $32.4 | $35.9 | +11% |
| 2026 YTD | $35.9 | $37.7 | +4.8% |
FIBK 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.