NKSH
National Bankshares, Inc.
NKSH has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has a slight edge over NKSH overall, supported by stronger valuation and stronger modeled upside.
NKSH Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
NKSH's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like NKSH.
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.
NKSH PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.6x | $32.39 | -18% |
| Forward | 10x | $39.59 | — |
| Current | 12x | $39.59 | — |
| Fair | 13x | $42.43 | +7.2% |
| Expensive | 17x | $56.42 | +42% |
Historical ranges are pointers, not guarantees.
NKSH's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 10x next year's earnings, in its cheap 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 NKSH in the historical PE scenario, which offers more potential upside but is not a forecast.
NKSH Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for NKSH, with profitability improving.
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.
NKSH Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.85 | +15% |
| Q3 2026 | $3.36 | +63% |
| Q2 2026 | $3.19 | +78% |
| Q1 2026 | $2.76 | +100% |
| Q4 2025 | $2.49 | +101% |
| Q3 2025 | $2.06 | +42% |
| Q2 2025 | $1.79 | +15% |
| Q1 2025 | $1.38 | -39% |
| Q4 2024 | $1.24 | -53% |
NKSH 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.
NKSH Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $16.4M | +16% |
| Q2 2026 | $15.7M | +18% |
| Q1 2026 | $15.3M | +19% |
| Q4 2025 | $15.3M | +25% |
| Q3 2025 | $14.2M | +21% |
| Q2 2025 | $13.3M | +21% |
| Q1 2025 | $12.8M | +23% |
| Q4 2024 | $12.2M | +14% |
NKSH's revenue has grown year over year for nine quarters in a row: $16M last quarter, up 16% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 41% | +3.4 points |
| Q2 2026 | 39% | +19 points |
| Q1 2026 | 40% | +9.1 points |
| Q4 2025 | 47% | +17 points |
| Q3 2025 | 38% | +10 points |
| Q2 2025 | 20% | +24 points |
| Q1 2025 | 30% | +4.7 points |
| Q4 2024 | 30% | -17 points |
NKSH 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 NKSH 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.
NKSH Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $7.1M | +33% |
| Q2 2026 | $3.3M | +118% |
| Q1 2026 | $3.1M | +92% |
| Q4 2025 | $6.7M | +50% |
| Q2 2025 | $1.5M | +$4.5M |
| Q1 2025 | $1.6M | -58% |
| Q2 2024 | -$2.9M | -173% |
| Q1 2024 | $3.8M | -11% |
NKSH 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.
NKSH Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +1.3K shares |
| 1 year | +0.1% | +5.1K shares |
| 3 years | +8.1% | +479K shares |
| 5 years | +3.7% | +226K shares |
| Available history | -3.2% | -212K shares |
NKSH has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
| Q4 2022 | $2.6M |
| Q3 2022 | $796,000 |
| Q2 2022 | $1.4M |
| Q1 2022 | $1.5M |
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 | — |
NKSH Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.1x | Net Cash |
| Q2 2026 | -2.1x | Net Cash |
| Q1 2026 | -2.7x | Net Cash |
| Q4 2025 | -2.9x | Net Cash |
| Q3 2025 | -2.5x | Net Cash |
| Q2 2025 | -6.3x | Net Cash |
| Q1 2025 | -10.6x | Net Cash |
| Q4 2024 | -10.5x | Net Cash |
NKSH has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like NKSH.
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 NKSH on leverage, with a lower net debt burden relative to earnings.
NKSH Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.8 | Neutral |
| Stochastic | 18.9 | Oversold |
NKSH's weekly RSI is 50 (neutral) and its Stochastic is 19 (oversold).
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).
NKSH PE vs Financial Services Sector
| Metric | NKSH | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 9.5% below |
| PE % | 42 | 63 | 21 pts below |
NKSH 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.
NKSH Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $41.3 | 4.2% below |
| 20 week MA | $40.6 | 2.4% below |
| 50 week MA | $37.7 | 5% above |
| 100 week MA | $32.9 | 20% above |
| 200 week MA | $31.8 | 25% above |
NKSH 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.
NKSH Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $46.1 | $31.7 | -31% |
| 2021 | $31.7 | $35.6 | +12% |
| 2022 | $35.6 | $39.8 | +12% |
| 2023 | $39.8 | $32.4 | -19% |
| 2024 | $32.4 | $28.4 | -12% |
| 2025 | $28.4 | $33.9 | +19% |
| 2026 YTD | $33.9 | $39.6 | +17% |
NKSH 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.