NTB
The Bank of N.T. Butterfield & Son Limited
There isn't enough reported data to score NTB yet.
SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
NTB Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Strong | |
| N/A | |
| N/A |
NTB's profitability is currently strong. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like NTB.
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.
NTB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.7x | $36.77 | -35% |
| Forward | 8.6x | $56.25 | — |
| Fair | 8.9x | $48.90 | -13% |
| Current | 10x | $56.25 | — |
| Expensive | 11x | $61.43 | +9.2% |
Historical ranges are pointers, not guarantees.
NTB's PE is 10x, but its earnings don't support one, so it isn't a reliable read right now.
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 NTB in the historical PE scenario, which offers more potential upside but is not a forecast.
NTB Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for NTB, but weaker profitability.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over NTB on the outlook, with more favorable profitability expectations.
NTB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.55 | +20% |
| Q4 2025 | $5.47 | +16% |
| Q4 2024 | $4.71 | +2.8% |
| Q4 2023 | $4.58 | +6.8% |
| Q4 2022 | $4.29 | +32% |
| Q4 2021 | $3.26 | +12% |
| Q4 2020 | $2.90 | -12% |
| Q4 2019 | $3.30 | -5.7% |
| Q4 2018 | $3.50 | +27% |
NTB has the edge over SOFI in the latest year-over-year earnings comparison.
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.
NTB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2025 | $606.8M | +4.6% |
| Q4 2024 | $579.9M | +0.2% |
| Q4 2023 | $578.6M | +5.3% |
| Q4 2022 | $549.3M | +9.9% |
| Q4 2021 | $499.7M | +1.1% |
| Q4 2020 | $494.2M | -7.2% |
| Q4 2019 | $532.6M | +2.9% |
| Q4 2018 | $517.8M | +14% |
NTB's revenue has grown year over year every quarter since late 2020: $607M last quarter, up 21% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2025 | 39% | +6 points |
| Q4 2024 | 38% | +7.8 points |
| Q4 2023 | 39% | +6.1 points |
| Q4 2022 | 40% | +1.7 points |
| Q4 2021 | 33% | -0.8 points |
| Q4 2020 | 30% | +1.3 points |
| Q4 2019 | 33% | N/A |
| Q4 2018 | 38% | N/A |
NTB's operating margin was 39% last quarter, up 6 points from the same quarter a year ago.
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 NTB in the latest year-over-year revenue comparison.
| 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.
NTB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2018 | $277.8M | +25% |
| Q4 2017 | $222.5M | +32% |
NTB and SOFI do not have enough comparable growth data to identify a winner.
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.
NTB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -8.2% | -3.6M shares |
| 1 year | -20% | -10M shares |
NTB has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2025 | $146.7M |
| Q4 2024 | $155.3M |
| Q4 2023 | $88.6M |
| Q4 2022 | $3.9M |
| Q4 2021 | $19.8M |
| Q4 2020 | $86.6M |
| Q4 2019 | $81.5M |
| Q4 2018 | $48.4M |
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 | — |
NTB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2025 | -6.2x | Net Cash |
| Q4 2024 | -7.2x | Net Cash |
| Q4 2023 | -5.9x | Net Cash |
| Q4 2022 | -7.5x | Net Cash |
| Q4 2021 | -8.5x | Net Cash |
| Q4 2020 | -14.7x | Net Cash |
| Q4 2019 | -10.7x | Net Cash |
| Q4 2018 | -7.9x | Net Cash |
NTB has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like NTB.
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.
NTB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.9 | Neutral |
| Stochastic | 8.3 | Oversold |
NTB's weekly RSI is 46 (neutral) and its Stochastic is 8 (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).
NTB PE vs Financial Services Sector
| Metric | NTB | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 21% below |
| PE % | 68 | 63 | 5 pts above |
NTB 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.
NTB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $57.6 | 2.4% below |
| 20 week MA | $59.5 | 5.5% below |
| 50 week MA | $55.9 | 0.7% above |
| 100 week MA | $48.7 | 15% above |
| 200 week MA | $40.2 | 40% above |
NTB 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.
NTB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $36.9 | $31.2 | -16% |
| 2021 | $31.2 | $38.0 | +22% |
| 2022 | $38.0 | $30.0 | -21% |
| 2023 | $30.0 | $32.0 | +6.8% |
| 2024 | $32.0 | $36.8 | +15% |
| 2025 | $36.8 | $50.5 | +37% |
| 2026 YTD | $50.5 | $56.3 | +11% |
NTB 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.