LKFN
Lakeland Financial Corporation
LKFN has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over LKFN overall, supported by stronger modeled upside and stronger valuation.
LKFN Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
LKFN's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like LKFN.
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.
LKFN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 14x | $62.71 | +1.4% |
| Current | 14x | $61.84 | — |
| Forward | 14x | $61.84 | — |
| Fair | 17x | $75.20 | +22% |
| Expensive | 19x | $86.18 | +39% |
Historical ranges are pointers, not guarantees.
LKFN's PE is in its cheap range at 13.8x. On analysts' estimates for next year's earnings, today's price would be 13.6x.
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 LKFN in the historical PE scenario, which offers more potential upside but is not a forecast.
LKFN Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for LKFN, with profitability improving.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over LKFN on the outlook, with more favorable valuation expectations.
LKFN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.56 | +2% |
| Q3 2026 | $4.47 | +18% |
| Q2 2026 | $4.36 | +19% |
| Q1 2026 | $4.27 | +22% |
| Q4 2025 | $4.01 | +10% |
| Q3 2025 | $3.79 | -1.6% |
| Q2 2025 | $3.67 | -6.4% |
| Q1 2025 | $3.50 | -3.3% |
| Q4 2024 | $3.63 | -0.5% |
LKFN earned $4.47 per share over the past year, up 18% from the year before.
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 LKFN on earnings, with more consistent year-over-year improvement.
LKFN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $73M | +5.7% |
| Q2 2026 | $70.9M | +6.8% |
| Q1 2026 | $69.7M | +9.3% |
| Q4 2025 | $69.8M | +9.8% |
| Q3 2025 | $69M | +13% |
| Q2 2025 | $66.4M | -3.5% |
| Q1 2025 | $63.8M | +6.3% |
| Q4 2024 | $63.6M | -3.4% |
LKFN's revenue has grown year over year for five quarters in a row: $73M last quarter, up 5.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 49% | +2.4 points |
| Q2 2026 | 49% | -0.6 points |
| Q1 2026 | 47% | +8.7 points |
| Q4 2025 | 52% | +6.1 points |
| Q3 2025 | 46% | +1.1 points |
| Q2 2025 | 50% | +10 points |
| Q1 2025 | 38% | -8.3 points |
| Q4 2024 | 46% | -8.8 points |
LKFN 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 LKFN 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.
LKFN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $40.1M | +29% |
| Q2 2026 | $19.1M | +36% |
| Q1 2026 | $30M | +10% |
| Q4 2025 | $31.5M | -14% |
| Q3 2025 | $31.1M | +103% |
| Q2 2025 | $14.1M | -24% |
| Q1 2025 | $27.1M | +17% |
| Q4 2024 | $36.7M | +44% |
LKFN 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.
LKFN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +6.3K shares |
| 1 year | -2.3% | -583K shares |
| 3 years | -1.8% | -456K shares |
| 5 years | -1.6% | -397K shares |
| Available history | -2% | -521K shares |
LKFN has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $2.7M |
| Q2 2026 | $4.3M |
| Q1 2026 | $19.6M |
| Q4 2025 | $18.2M |
| Q3 2025 | $224,000 |
| Q2 2025 | $1.8M |
| Q1 2025 | $215,000 |
| Q4 2024 | $86,000 |
LKFN spent $45M buying back its own shares over the past year, more than ten times what it spent 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 | — |
LKFN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.8x | Net Cash |
| Q2 2026 | -1.4x | Net Cash |
| Q1 2026 | -1.0x | Net Cash |
| Q4 2025 | -1.0x | Net Cash |
| Q3 2025 | -1.1x | Net Cash |
| Q2 2025 | -2.5x | Net Cash |
| Q1 2025 | -1.1x | Net Cash |
| Q4 2024 | -1.4x | Net Cash |
LKFN has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like LKFN.
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 LKFN on leverage, with a lower net debt burden relative to earnings.
LKFN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 55.6 | Neutral |
| Stochastic | 62.6 | Neutral |
LKFN's weekly RSI is 56 (neutral) and its Stochastic is 63 (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).
LKFN PE vs Financial Services Sector
| Metric | LKFN | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 6.2% above |
| PE % | 14 | 63 | 49 pts below |
LKFN 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.
LKFN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $59.4 | 4.2% above |
| 20 week MA | $60.5 | 2.3% above |
| 50 week MA | $59.8 | 3.4% above |
| 100 week MA | $61.1 | 1.2% above |
| 200 week MA | $61.0 | 1.5% above |
LKFN 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.
LKFN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $48.8 | $52.5 | +7.5% |
| 2021 | $52.5 | $78.0 | +49% |
| 2022 | $78.0 | $73.8 | -5.4% |
| 2023 | $73.8 | $65.2 | -12% |
| 2024 | $65.2 | $68.8 | +5.5% |
| 2025 | $68.8 | $58.8 | -15% |
| 2026 YTD | $58.8 | $61.8 | +5.3% |
LKFN 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.