HWBK
Hawthorn Bancshares, Inc.
HWBK has slightly lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over HWBK overall, supported by stronger valuation and stronger modeled upside.
HWBK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
HWBK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like HWBK.
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.
HWBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.5x | $28.38 | -28% |
| Fair | 10x | $37.82 | -4% |
| Current | 10x | $39.40 | — |
| Expensive | 12x | $45.45 | +15% |
Historical ranges are pointers, not guarantees.
HWBK's PE is in its fair range at 10x.
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 HWBK in the historical PE scenario, which offers more potential upside but is not a forecast.
HWBK Forward outlook
There aren't enough analyst estimates for HWBK 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.
HWBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $3.80 | +19% |
| Q2 2026 | $3.67 | +24% |
| Q1 2026 | $3.49 | +27% |
| Q4 2025 | $3.43 | +31% |
| Q3 2025 | $3.19 | +258% |
| Q2 2025 | $2.97 | +403% |
| Q1 2025 | $2.75 | +848% |
| Q4 2024 | $2.61 | +2075% |
HWBK 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.
HWBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $23M | +12% |
| Q2 2026 | $22.6M | +15% |
| Q1 2026 | $20.2M | +7.7% |
| Q4 2025 | $21.2M | +12% |
| Q3 2025 | $20.6M | +14% |
| Q2 2025 | $19.7M | +8.4% |
| Q1 2025 | $18.8M | +5.6% |
| Q4 2024 | $18.9M | +4.8% |
HWBK's revenue has grown year over year for 11 quarters in a row: $23M last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 35% | -2.7 points |
| Q2 2026 | 39% | +1.6 points |
| Q1 2026 | 36% | +2.3 points |
| Q4 2025 | 37% | +7.4 points |
| Q3 2025 | 38% | +6.7 points |
| Q2 2025 | 38% | +6.5 points |
| Q1 2025 | 33% | +2.8 points |
| Q4 2024 | 30% | +84 points |
HWBK 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 HWBK 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.
HWBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$2.1M | -$1.4M |
| Q2 2026 | $9.5M | +87% |
| Q1 2026 | $6.1M | +12% |
| Q4 2025 | $13M | +1196% |
| Q3 2025 | -$734K | -109% |
| Q2 2025 | $5.1M | -39% |
| Q1 2025 | $5.5M | +8% |
| Q4 2024 | $1M | -78% |
HWBK 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.
HWBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.6% | +111K shares |
| 1 year | +1.4% | +95.3K shares |
| 3 years | -0.3% | -22K shares |
| 5 years | -2% | -140K shares |
| Available history | -4.4% | -325K shares |
HWBK has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $4,000 |
| Q1 2026 | $400,000 |
| Q4 2025 | $331,000 |
| Q3 2025 | $308,000 |
| Q2 2025 | $1.8M |
| Q1 2025 | $440,000 |
| Q4 2024 | $13,000 |
HWBK spent $735,000 buying back its own shares over the past year, down 71% 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 | — |
HWBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.0x | Net Cash |
| Q2 2026 | -1.0x | Net Cash |
| Q1 2026 | -3.1x | Net Cash |
| Q4 2025 | 1.5x | Healthy |
| Q3 2025 | -3.4x | Net Cash |
| Q2 2025 | -3.7x | Net Cash |
| Q1 2025 | -4.1x | Net Cash |
| Q4 2024 | -2.1x | Net Cash |
HWBK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HWBK.
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 HWBK on leverage, with a lower net debt burden relative to earnings.
HWBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 57.2 | Neutral |
| Stochastic | 71.1 | Neutral |
HWBK's weekly RSI is 57 (neutral) and its Stochastic is 71 (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).
HWBK PE vs Financial Services Sector
| Metric | HWBK | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 20% below |
| PE % | 62 | 63 | 1 pt below |
HWBK 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.
HWBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $38.7 | 1.9% above |
| 20 week MA | $39.0 | 0.9% above |
| 50 week MA | $36.4 | 8.2% above |
| 100 week MA | $33.3 | 18% above |
| 200 week MA | $27.3 | 44% above |
HWBK 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.
HWBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $21.3 | $19.6 | -8.1% |
| 2021 | $19.6 | $23.1 | +18% |
| 2022 | $23.1 | $20.4 | -12% |
| 2023 | $20.4 | $25.4 | +25% |
| 2024 | $25.4 | $28.3 | +12% |
| 2025 | $28.3 | $32.2 | +14% |
| 2026 YTD | $32.2 | $39.4 | +22% |
HWBK 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.