NWBI
Northwest Bancshares, Inc.
NWBI has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has a slight edge over NWBI overall, supported by stronger valuation and stronger modeled upside.
NWBI Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
NWBI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like NWBI.
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.
NWBI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $14.43 | -4.7% |
| Current | 11x | $15.13 | — |
| Forward | 11x | $15.13 | — |
| Fair | 14x | $18.28 | +21% |
| Expensive | 17x | $22.33 | +48% |
Historical ranges are pointers, not guarantees.
NWBI's PE is in its cheap range at 11.3x. If earnings grow as analysts expect, today's price would be 10.6x next year's earnings.
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 NWBI in the historical PE scenario, which offers more potential upside but is not a forecast.
NWBI Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for NWBI, 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.
NWBI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.43 | +6.8% |
| Q3 2026 | $1.34 | +52% |
| Q2 2026 | $1.02 | -8.9% |
| Q1 2026 | $0.92 | +2.2% |
| Q4 2025 | $0.92 | +16% |
| Q3 2025 | $0.88 | +16% |
| Q2 2025 | $1.12 | +38% |
| Q1 2025 | $0.90 | -13% |
| Q4 2024 | $0.79 | -25% |
NWBI earned $1.34 per share over the past year, up 52% 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 earned $0.56 per share over the past year, about the same as the year before.
NWBI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $184.9M | +9.9% |
| Q2 2026 | $181.2M | +20% |
| Q1 2026 | $175.1M | +12% |
| Q4 2025 | $179.9M | +17% |
| Q3 2025 | $168.2M | +21% |
| Q2 2025 | $150.4M | +53% |
| Q1 2025 | $156.2M | +19% |
| Q4 2024 | $154.3M | +14% |
NWBI's revenue has grown year over year for eight quarters in a row: $185M last quarter, up 9.9% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 36% | +34 points |
| Q2 2026 | 39% | +9.5 points |
| Q1 2026 | 38% | +1.9 points |
| Q4 2025 | 33% | +5.1 points |
| Q3 2025 | 2.1% | -29 points |
| Q2 2025 | 29% | +23 points |
| Q1 2025 | 36% | +7.4 points |
| Q4 2024 | 27% | +0.3 points |
NWBI 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 NWBI 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.
NWBI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $18.9M | -51% |
| Q2 2026 | $26.1M | +$32.1M |
| Q1 2026 | $69.6M | -34% |
| Q3 2025 | $38.3M | -59% |
| Q2 2025 | -$6M | -115% |
| Q1 2025 | $105.8M | +50% |
| Q3 2024 | $93.3M | +$98.3M |
| Q2 2024 | $40.7M | +77% |
NWBI 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.
NWBI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +122K shares |
| 1 year | +0.3% | +481K shares |
| 3 years | +15% | +19.5M shares |
| 5 years | +15% | +19.6M shares |
| Available history | +38% | +40.7M shares |
NWBI has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | $18.8M |
| Q2 2021 | $465,000 |
| Q1 2021 | $4.6M |
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 | — |
NWBI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.8x | Net Cash |
| Q2 2026 | -0.7x | Net Cash |
| Q1 2026 | -1.0x | Net Cash |
| Q4 2025 | -0.7x | Net Cash |
| Q3 2025 | 1.4x | Healthy |
| Q2 2025 | 0.2x | Very low |
| Q1 2025 | -0.3x | Net Cash |
| Q4 2024 | 0.2x | Very low |
NWBI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like NWBI.
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 NWBI on leverage, with a lower net debt burden relative to earnings.
NWBI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.1 | Neutral |
| Stochastic | 43.8 | Neutral |
NWBI's weekly RSI is 54 (neutral) and its Stochastic is 44 (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).
NWBI PE vs Financial Services Sector
| Metric | NWBI | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 13% below |
| PE % | 31 | 63 | 32 pts below |
NWBI 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.
NWBI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.2 | 0.1% below |
| 20 week MA | $15.3 | 1.3% below |
| 50 week MA | $14.0 | 8% above |
| 100 week MA | $13.2 | 15% above |
| 200 week MA | $12.6 | 20% above |
NWBI 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.
NWBI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $16.6 | $12.6 | -24% |
| 2021 | $12.6 | $14.0 | +12% |
| 2022 | $14.0 | $14.0 | +0.2% |
| 2023 | $14.0 | $12.5 | -11% |
| 2024 | $12.5 | $13.3 | +6.2% |
| 2025 | $13.3 | $12.3 | -7.5% |
| 2026 YTD | $12.3 | $15.1 | +24% |
NWBI 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.