HFBL
Home Federal Bancorp, Inc. of Louisiana
HFBL has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over HFBL overall, supported by stronger modeled upside and stronger valuation.
HFBL Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
HFBL's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like HFBL.
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.
HFBL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.3x | $19.64 | -12% |
| Fair | 11x | $24.22 | +8.3% |
| Current | 11x | $22.36 | — |
| Expensive | 13x | $27.41 | +23% |
Historical ranges are pointers, not guarantees.
HFBL's PE is in its cheap range at 11x.
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 HFBL in the historical PE scenario, which offers more potential upside but is not a forecast.
HFBL Forward outlook
There aren't enough analyst estimates for HFBL to show an outlook.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for SOFI, with profitability improving.
HFBL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $2.12 | +44% |
| Q2 2026 | $2.02 | +60% |
| Q1 2026 | $1.92 | +76% |
| Q4 2025 | $1.68 | +54% |
| Q3 2025 | $1.47 | +35% |
| Q2 2025 | $1.26 | +7.7% |
| Q1 2025 | $1.09 | -20% |
| Q4 2024 | $1.09 | -25% |
HFBL 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.
HFBL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $6.8M | +14% |
| Q2 2026 | $6.5M | +15% |
| Q1 2026 | $6M | +16% |
| Q4 2025 | $6M | +18% |
| Q3 2025 | $5.9M | +25% |
| Q2 2025 | $5.7M | +16% |
| Q1 2025 | $5.2M | +6.2% |
| Q4 2024 | $5.1M | +1% |
HFBL's revenue has grown year over year for eight quarters in a row: $7M last quarter, up 14% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 36% | +1.4 points |
| Q2 2026 | 29% | +1.2 points |
| Q1 2026 | 30% | +11 points |
| Q4 2025 | 35% | +11 points |
| Q3 2025 | 34% | +14 points |
| Q2 2025 | 28% | +11 points |
| Q1 2025 | 18% | -0.2 points |
| Q4 2024 | 24% | +7.7 points |
HFBL 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 HFBL 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.
HFBL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.3M | +20% |
| Q2 2026 | $3.3M | +220% |
| Q1 2026 | -$1.3M | -229% |
| Q4 2025 | $2.9M | +10% |
| Q3 2025 | $2.8M | +229% |
| Q1 2025 | $991K | +52% |
| Q4 2024 | $2.6M | +$5.2M |
| Q3 2024 | $843K | -65% |
HFBL 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.
HFBL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.6% | -79.9K shares |
| 1 year | -0.8% | -24K shares |
| 3 years | -1.5% | -45K shares |
| 5 years | -6.9% | -220K shares |
| Available history | -12% | -414K shares |
HFBL has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $346,000 |
| Q2 2026 | $440,000 |
| Q1 2026 | $623,000 |
| Q4 2025 | $2M |
| Q3 2025 | $279,000 |
| Q2 2025 | $557,000 |
| Q1 2025 | $182,000 |
| Q4 2024 | $152,000 |
HFBL spent $3M buying back its own shares over the past year, up 191% 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 | — |
HFBL Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.6x | Net Cash |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | -2.9x | Net Cash |
| Q4 2025 | -1.9x | Net Cash |
| Q3 2025 | -3.1x | Net Cash |
| Q2 2025 | 0.3x | Very low |
| Q1 2025 | -5.1x | Net Cash |
| Q4 2024 | -3.1x | Net Cash |
HFBL 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.
HFBL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.0 | Neutral |
| Stochastic | 34.0 | Neutral |
HFBL's weekly RSI is 49 (neutral) and its Stochastic is 34 (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).
HFBL PE vs Financial Services Sector
| Metric | HFBL | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 19% below |
| PE % | 28 | 63 | 35 pts below |
HFBL 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.
HFBL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $23.5 | 4.9% below |
| 20 week MA | $23.8 | 6.2% below |
| 50 week MA | $20.6 | 8.6% above |
| 100 week MA | $17.1 | 31% above |
| 200 week MA | $15.5 | 44% above |
HFBL 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.
HFBL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $18.3 | $13.8 | -25% |
| 2021 | $13.8 | $20.4 | +48% |
| 2022 | $20.4 | $17.3 | -15% |
| 2023 | $17.3 | $14.3 | -17% |
| 2024 | $14.3 | $12.6 | -12% |
| 2025 | $12.6 | $16.6 | +32% |
| 2026 YTD | $16.6 | $22.4 | +35% |
HFBL 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.