GSBC
Great Southern Bancorp, Inc.
GSBC has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over GSBC overall, supported by stronger valuation and stronger fundamentals.
GSBC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
GSBC's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like GSBC.
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.
GSBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9x | $51.58 | -37% |
| Fair | 11x | $61.04 | -25% |
| Expensive | 12x | $66.65 | -18% |
| Current | 14x | $81.28 | — |
| Forward | 14x | $81.28 | — |
Historical ranges are pointers, not guarantees.
GSBC's PE is in its expensive range at 14.2x. On analysts' estimates for next year's earnings, today's price would be 13.9x.
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 GSBC in the historical PE scenario, which offers more potential upside but is not a forecast.
GSBC Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect GSBC'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 GSBC on the outlook, with more favorable valuation and revenue expectations.
GSBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.84 | +2.1% |
| Q3 2026 | $5.72 | -5% |
| Q2 2026 | $6.01 | +2.4% |
| Q1 2026 | $6.30 | +13% |
| Q4 2025 | $6.19 | +18% |
| Q3 2025 | $6.02 | +19% |
| Q2 2025 | $5.87 | +17% |
| Q1 2025 | $5.60 | +10% |
| Q4 2024 | $5.26 | -6.2% |
GSBC 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.
GSBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $53.7M | -7.2% |
| Q2 2026 | $56.9M | -3.9% |
| Q1 2026 | $55.4M | -1% |
| Q4 2025 | $56.4M | -0.2% |
| Q3 2025 | $57.8M | +5.2% |
| Q2 2025 | $59.2M | +4.5% |
| Q1 2025 | $55.9M | +8.3% |
| Q4 2024 | $56.5M | +9.2% |
GSBC's revenue fell from its 2020 peak and has held roughly level since: $54M last quarter, down 7.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 31% | -7 points |
| Q2 2026 | 33% | -8.3 points |
| Q1 2026 | 39% | +0.5 points |
| Q4 2025 | 35% | +2.7 points |
| Q3 2025 | 38% | +1.6 points |
| Q2 2025 | 41% | +4.2 points |
| Q1 2025 | 38% | +6.3 points |
| Q4 2024 | 32% | +0.2 points |
GSBC 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 GSBC 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.
GSBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $22.8M | +492% |
| Q2 2026 | $2.7M | -92% |
| Q1 2026 | $19.9M | +52% |
| Q4 2025 | $18.2M | +118% |
| Q3 2025 | $3.9M | -77% |
| Q2 2025 | $34.9M | -17% |
| Q1 2025 | $13.1M | +$40.8M |
| Q4 2024 | $8.4M | -79% |
GSBC 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.
GSBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.3% | -29K shares |
| 1 year | -4.3% | -485K shares |
| 3 years | -9.1% | -1.1M shares |
| 5 years | -21% | -2.9M shares |
GSBC has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $12.7M |
| Q2 2026 | $7.8M |
| Q1 2026 | $16.9M |
| Q4 2025 | $14.4M |
| Q3 2025 | $10M |
| Q2 2025 | $9.8M |
| Q1 2025 | $10.2M |
| Q4 2024 | $2.7M |
GSBC spent $52M buying back its own shares over the past year, up 59% from 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 | — |
GSBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.9x | Net Cash |
| Q2 2026 | -2.0x | Net Cash |
| Q1 2026 | -2.0x | Net Cash |
| Q4 2025 | -2.0x | Net Cash |
| Q3 2025 | -2.1x | Net Cash |
| Q2 2025 | -2.7x | Net Cash |
| Q1 2025 | -1.6x | Net Cash |
| Q4 2024 | -1.4x | Net Cash |
GSBC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GSBC.
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 GSBC on leverage, with a lower net debt burden relative to earnings.
GSBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.9 | Neutral |
| Stochastic | 66.7 | Neutral |
GSBC's weekly RSI is 64 (neutral) and its Stochastic is 67 (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).
GSBC PE vs Financial Services Sector
| Metric | GSBC | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 9.1% above |
| PE % | 100 | 63 | 37 pts above |
GSBC 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.
GSBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $79.7 | 2% above |
| 20 week MA | $79.6 | 2.2% above |
| 50 week MA | $71.5 | 14% above |
| 100 week MA | $64.9 | 25% above |
| 200 week MA | $59.7 | 36% above |
GSBC 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.
GSBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $63.5 | $50.0 | -21% |
| 2021 | $50.0 | $58.9 | +18% |
| 2022 | $58.9 | $60.4 | +2.7% |
| 2023 | $60.4 | $59.4 | -1.8% |
| 2024 | $59.4 | $60.0 | +1.1% |
| 2025 | $60.0 | $62.6 | +4.3% |
| 2026 YTD | $62.6 | $81.3 | +30% |
GSBC 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.