FMBH
First Mid Bancshares, Inc.
FMBH has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over FMBH overall, supported by stronger valuation and stronger modeled upside.
FMBH Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
FMBH's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FMBH.
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.
FMBH PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.2x | $39.79 | -22% |
| Fair | 11x | $46.53 | -9.1% |
| Forward | 11x | $51.19 | — |
| Current | 12x | $51.19 | — |
| Expensive | 13x | $56.93 | +11% |
Historical ranges are pointers, not guarantees.
FMBH's PE is in its expensive range at 12x. If earnings grow as analysts expect, today's price would be 11x next year's earnings, 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 FMBH in the historical PE scenario, which offers more potential upside but is not a forecast.
FMBH Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for FMBH, with profitability holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over FMBH on the outlook, with more favorable profitability expectations.
FMBH Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.75 | +9.6% |
| Q3 2026 | $4.33 | +18% |
| Q2 2026 | $4.02 | +14% |
| Q1 2026 | $3.96 | +18% |
| Q4 2025 | $3.83 | +16% |
| Q3 2025 | $3.66 | +13% |
| Q2 2025 | $3.53 | +14% |
| Q1 2025 | $3.37 | +9.4% |
| Q4 2024 | $3.30 | +4.8% |
FMBH has the edge over SOFI on earnings, with more consistent year-over-year improvement.
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.
FMBH Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $106.6M | +19% |
| Q2 2026 | $108.5M | +24% |
| Q1 2026 | $97.2M | +15% |
| Q4 2025 | $88.2M | +3.4% |
| Q3 2025 | $89.3M | +11% |
| Q2 2025 | $87.5M | +10% |
| Q1 2025 | $84.3M | +5.4% |
| Q4 2024 | $85.3M | +7.7% |
FMBH's revenue has grown year over year for 13 quarters in a row: $107M last quarter, up 19% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | +7.1 points |
| Q2 2026 | 33% | -1 points |
| Q1 2026 | 35% | +1.5 points |
| Q4 2025 | 34% | +4.3 points |
| Q3 2025 | 32% | +0.7 points |
| Q2 2025 | 34% | +0.7 points |
| Q1 2025 | 33% | -0.3 points |
| Q4 2024 | 30% | +2.4 points |
FMBH 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 FMBH on sales, with stronger typical year-over-year growth.
| 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.
FMBH Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $45.8M | +43% |
| Q2 2026 | $24.2M | +305% |
| Q1 2026 | $23.1M | -50% |
| Q4 2025 | $40.2M | +8.5% |
| Q3 2025 | $31.9M | -0.3% |
| Q2 2025 | $6M | -74% |
| Q1 2025 | $46M | +67% |
| Q4 2024 | $37M | +31% |
FMBH 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.
FMBH Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -3K shares |
| 1 year | +11% | +2.6M shares |
| 3 years | +19% | +4.3M shares |
| 5 years | +47% | +8.5M shares |
| Available history | +59% | +9.9M shares |
FMBH has 27M diluted shares, up 11% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $921,000 |
| Q1 2026 | $500,000 |
| Q4 2024 | $659,000 |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | $460,000 |
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 FMBH on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
FMBH Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2020 | -0.8x | Net Cash |
| Q4 2019 | -1.2x | Net Cash |
FMBH has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like FMBH.
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.
FMBH Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.6 | Neutral |
| Stochastic | 53.0 | Neutral |
FMBH's weekly RSI is 62 (neutral) and its Stochastic is 53 (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).
FMBH PE vs Financial Services Sector
| Metric | FMBH | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 9.2% below |
| PE % | 66 | 63 | 3 pts above |
FMBH 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.
FMBH Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $50.1 | 2.2% above |
| 20 week MA | $50.3 | 1.8% above |
| 50 week MA | $45.6 | 12% above |
| 100 week MA | $41.2 | 24% above |
| 200 week MA | $36.5 | 40% above |
FMBH 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.
FMBH Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $35.3 | $33.5 | -5.1% |
| 2021 | $33.5 | $42.6 | +27% |
| 2022 | $42.6 | $32.2 | -24% |
| 2023 | $32.2 | $34.7 | +7.7% |
| 2024 | $34.7 | $37.0 | +6.7% |
| 2025 | $37.0 | $40.0 | +8.1% |
| 2026 YTD | $40.0 | $51.2 | +28% |
FMBH 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.