MPB
Mid Penn Bancorp, Inc.
MPB has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over MPB overall, supported by stronger valuation and stronger modeled upside.
MPB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MPB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MPB.
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.
MPB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.3x | $23.92 | -32% |
| Fair | 9.5x | $27.50 | -22% |
| Forward | 10x | $35.30 | — |
| Current | 12x | $35.30 | — |
| Expensive | 13x | $36.77 | +4.2% |
Historical ranges are pointers, not guarantees.
MPB's PE is in its expensive range at 12x. If earnings grow as analysts expect, today's price would be 10x next year's earnings, in its fair range.
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 MPB in the historical PE scenario, which offers more potential upside but is not a forecast.
MPB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MPB, but weaker profitability.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over MPB on the outlook, with more favorable profitability expectations.
MPB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.52 | +22% |
| Q3 2026 | $2.88 | +18% |
| Q2 2026 | $2.83 | +18% |
| Q1 2026 | $2.20 | -24% |
| Q4 2025 | $2.55 | -12% |
| Q3 2025 | $2.44 | -16% |
| Q2 2025 | $2.39 | -13% |
| Q1 2025 | $2.88 | +24% |
| Q4 2024 | $2.90 | +27% |
MPB earned $2.88 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 MPB on earnings, with more consistent year-over-year improvement.
MPB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $74.7M | +21% |
| Q2 2026 | $75.9M | +40% |
| Q1 2026 | $64.9M | +36% |
| Q4 2025 | $62M | +31% |
| Q3 2025 | $61.8M | +36% |
| Q2 2025 | $54.3M | +23% |
| Q1 2025 | $47.7M | +13% |
| Q4 2024 | $47.4M | +13% |
MPB's revenue has grown year over year for 11 quarters in a row: $75M last quarter, up 21% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | -2.2 points |
| Q2 2026 | 36% | +29 points |
| Q1 2026 | 17% | -18 points |
| Q4 2025 | 44% | +9.4 points |
| Q3 2025 | 39% | +6.5 points |
| Q2 2025 | 7.9% | -25 points |
| Q1 2025 | 35% | +0.4 points |
| Q4 2024 | 34% | -0.1 points |
MPB 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 MPB 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.
MPB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $15.9M | -35% |
| Q2 2026 | $31.2M | +15% |
| Q1 2026 | $13M | +48% |
| Q4 2025 | $11.5M | +$13.6M |
| Q3 2025 | $24.3M | +45% |
| Q2 2025 | $27.2M | +53% |
| Q1 2025 | $8.8M | -27% |
| Q4 2024 | -$2.2M | -114% |
MPB 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.
MPB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +20K shares |
| 1 year | +10% | +2.4M shares |
| 3 years | +55% | +9M shares |
| 5 years | +148% | +15.3M shares |
| Available history | +202% | +17.2M shares |
MPB has 26M diluted shares, up 10% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2025 | $246,000 |
| Q3 2025 | $226,000 |
| Q2 2025 | $1.8M |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
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 the edge over MPB on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
MPB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.1x | Very low |
| Q2 2026 | 0.8x | Very low |
| Q1 2026 | -0.4x | Net Cash |
| Q4 2025 | -0.1x | Net Cash |
| Q3 2025 | 0.3x | Very low |
| Q2 2025 | -0.3x | Net Cash |
| Q1 2025 | 0.3x | Very low |
| Q4 2024 | 0.5x | Very low |
MPB's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like MPB.
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 MPB on leverage, with a lower net debt burden relative to earnings.
MPB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.8 | Neutral |
| Stochastic | 20.2 | Neutral |
MPB's weekly RSI is 51 (neutral) and its Stochastic is 20 (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).
MPB PE vs Financial Services Sector
| Metric | MPB | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 5.8% below |
| PE % | 78 | 63 | 15 pts above |
MPB 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.
MPB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $35.3 | 0% above |
| 20 week MA | $36.2 | 2.6% below |
| 50 week MA | $34.0 | 3.7% above |
| 100 week MA | $31.1 | 14% above |
| 200 week MA | $27.7 | 27% above |
MPB 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.
MPB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $29.4 | $24.9 | -15% |
| 2021 | $24.9 | $31.6 | +27% |
| 2022 | $31.6 | $31.1 | -1.5% |
| 2023 | $31.1 | $24.3 | -22% |
| 2024 | $24.3 | $28.9 | +19% |
| 2025 | $28.9 | $31.7 | +9.7% |
| 2026 YTD | $31.7 | $35.3 | +11% |
MPB 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.