GBFH
GBank Financial Holdings Inc.
GBFH trails on the overall score without a compensating advantage in the available component scores.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over GBFH overall, supported by stronger modeled upside and stronger fundamentals.
GBFH Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Strong | |
| N/A | |
| N/A |
GBFH's profitability is currently strong. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like GBFH.
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.
GBFH PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 8.1x | $15.05 | — |
| Current | 12x | $15.05 | — |
| Cheap | 13x | $16.21 | +7.7% |
| Fair | 15x | $19.52 | +30% |
| Expensive | 24x | $30.59 | +103% |
Historical ranges are pointers, not guarantees.
GBFH's PE is in its cheap range at 12x. On analysts' estimates for next year's earnings, today's price would be 8.1x.
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 GBFH in the historical PE scenario, which offers more potential upside but is not a forecast.
GBFH Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Stable | |
| Stable | |
| Strongly weakening | |
| Limited | |
| Low |
Analysts expect GBFH's profitability to weaken, with its earnings and revenue holding steady. However, they disagree widely on these estimates.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over GBFH on the outlook, with more favorable earnings and revenue expectations.
GBFH Earnings Per Share
GBFH and SOFI do not have enough comparable growth data to identify a winner.
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.
GBFH Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $22M | +24% |
| Q1 2026 | $19.6M | +13% |
SOFI has the edge over GBFH in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 32% | -3 points |
| Q1 2026 | 7.5% | -26 points |
| Q4 2025 | 46% | N/A |
| Q3 2025 | 28% | N/A |
| Q2 2025 | 35% | N/A |
| Q1 2025 | 33% | N/A |
GBFH 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 GBFH in the latest year-over-year revenue comparison.
| 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.
GBFH Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $27.3M | +3151% |
| Q1 2026 | -$10.3M | -$4.6M |
GBFH and SOFI do not have enough comparable growth data to identify a winner.
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.
GBFH Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +37.7K shares |
| 1 year | -0.1% | -7.4K shares |
GBFH has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
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 | — |
GBFH Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 1.0x | Healthy |
| Q1 2026 | 1.1x | Healthy |
| Q4 2025 | 0.8x | Very low |
GBFH's net debt is about a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like GBFH.
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 GBFH on leverage, with a lower net debt burden relative to earnings.
GBFH Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 27.0 | Oversold |
| Stochastic | 30.4 | Neutral |
GBFH's weekly RSI is 27 (oversold) and its Stochastic is 30 (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).
GBFH PE vs Financial Services Sector
| Metric | GBFH | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 9% below |
| PE % | 11 | 63 | 52 pts below |
GBFH 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.
GBFH Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $16.9 | 11% below |
| 20 week MA | $21.2 | 29% below |
| 50 week MA | $27.0 | 44% below |
| 100 week MA | $32.4 | 54% below |
| 200 week MA | $24.3 | 38% below |
GBFH is in a downtrend: it's below all five of its weekly moving averages, and 38% 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 the edge over GBFH on trend strength, trading above more of its moving averages.
GBFH Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $9.00 | $10.2 | +13% |
| 2022 | $10.2 | $10.1 | -0.5% |
| 2023 | $10.1 | $14.1 | +39% |
| 2024 | $14.1 | $36.0 | +156% |
| 2025 | $36.0 | $36.0 | 0% |
| 2026 YTD | $36.0 | $15.1 | -58% |
GBFH is down 58% so far in 2026, after finishing higher in three of the previous five years.
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 has the edge over GBFH on returns for 2026, with the stronger performance.