FNWB
First Northwest Bancorp
FNWB has slightly lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over FNWB overall, supported by stronger modeled upside and stronger valuation.
FNWB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
FNWB's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like FNWB.
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.
FNWB PE Valuation
FNWB has no meaningful PE right now: it lost money over the past year.
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.
FNWB Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect FNWB'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 FNWB on the outlook, with more favorable revenue expectations.
FNWB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.22 | — |
| Q3 2026 | -$0.01 | +$0.82 |
| Q2 2026 | $0.16 | +$1.31 |
| Q1 2026 | $0.55 | +$2.37 |
| Q4 2025 | -$0.48 | +$0.27 |
| Q3 2025 | -$0.83 | +$0.22 |
| Q2 2025 | -$1.15 | -$0.61 |
| Q1 2025 | -$1.82 | -$1.73 |
| Q4 2024 | -$0.75 | -388% |
FNWB is still losing money, but far less than before: $0.01 per share over the past year, against $1.82 at its worst in early 2025.
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 FNWB on earnings quality, reporting a profit while its opponent remains loss making.
FNWB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $16.5M | -0.5% |
| Q2 2026 | $16.2M | -1.1% |
| Q1 2026 | $16.4M | -6.7% |
| Q4 2025 | $18.4M | +19% |
| Q3 2025 | $16.6M | +4.9% |
| Q2 2025 | $16.4M | -24% |
| Q1 2025 | $17.6M | +9.4% |
| Q4 2024 | $15.4M | +37% |
FNWB's revenue fell from its 2022 peak and has held roughly level since: $16M last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -9.5% | -8.6 points |
| Q2 2026 | 2% | -22 points |
| Q1 2026 | -1.9% | +56 points |
| Q4 2025 | 5% | +21 points |
| Q3 2025 | -0.9% | +19 points |
| Q2 2025 | 24% | +37 points |
| Q1 2025 | -58% | -63 points |
| Q4 2024 | -16% | +45 points |
FNWB's operating margin was −9.5% last quarter, down 8.6 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 FNWB 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 FNWB on profitability, with a higher operating margin.
FNWB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$6.8M | -245% |
| Q2 2026 | $1.5M | -62% |
| Q1 2026 | $885K | +$22.6M |
| Q4 2025 | $10.3M | -18% |
| Q3 2025 | $4.7M | +309% |
| Q2 2025 | $4M | -51% |
| Q1 2025 | -$21.7M | -$16.8M |
| Q4 2024 | $12.5M | +501% |
FNWB 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.
FNWB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.3% | -26.8K shares |
| 1 year | +1% | +90.2K shares |
| 3 years | -0.3% | -31.1K shares |
| 5 years | -3.9% | -364K shares |
| Available history | -10% | -1M shares |
FNWB has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | $1M |
| Q2 2024 | — |
| Q1 2024 | $3M |
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 | — |
FNWB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -31.1x | Net Cash |
| Q2 2026 | -7.4x | Net Cash |
| Q1 2026 | -2.9x | Net Cash |
| Q1 2024 | -18.4x | Net Cash |
| Q4 2023 | 6.1x | High |
| Q3 2023 | -1.1x | Net Cash |
| Q2 2023 | -1.0x | Net Cash |
| Q1 2023 | -0.9x | Net Cash |
FNWB has the edge over SOFI on leverage, with a lower net debt burden relative to earnings.
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.
FNWB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 20.8 | Neutral |
FNWB's weekly RSI is 45 (neutral) and its Stochastic is 21 (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).
FNWB PE vs Financial Services Sector
| Metric | FNWB | Sector median | Relative |
|---|---|---|---|
| PE | 64x | 13x | 391% above |
| PE % | 97 | 63 | 34 pts above |
FNWB 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 has the edge over FNWB on valuation relative to its sector.
FNWB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $9.88 | 0.4% below |
| 20 week MA | $10.7 | 7.9% below |
| 50 week MA | $10.2 | 3.1% below |
| 100 week MA | $9.66 | 1.9% above |
| 200 week MA | $11.0 | 11% below |
FNWB's trend is mixed: it's above one of its five weekly moving averages, and 11% below its 200-week average.
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.
FNWB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $18.0 | $15.7 | -13% |
| 2021 | $15.7 | $20.1 | +28% |
| 2022 | $20.1 | $14.5 | -28% |
| 2023 | $14.5 | $15.9 | +9.6% |
| 2024 | $15.9 | $10.2 | -36% |
| 2025 | $10.2 | $9.72 | -4.6% |
| 2026 YTD | $9.72 | $9.84 | +1.2% |
FNWB 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.