OZK
Bank OZK
OZK has slightly lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over OZK overall, supported by stronger fundamentals and stronger modeled upside.
OZK Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
OZK's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like OZK.
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.
OZK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.3x | $44.10 | -13% |
| Current | 8.3x | $50.45 | — |
| Fair | 8.4x | $50.57 | +0.2% |
| Forward | 8.4x | $50.45 | — |
| Expensive | 11x | $67.55 | +34% |
Historical ranges are pointers, not guarantees.
OZK's PE is in its fair range at 8.3x. On analysts' estimates for next year's earnings, today's price would be 8.4x.
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 OZK in the historical PE scenario, which offers more potential upside but is not a forecast.
OZK Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Stable | |
| Stable | |
| Weakening | |
| Limited | |
| High |
Analysts expect OZK's profitability to weaken, with its earnings and revenue holding steady.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over OZK on the outlook, with more favorable valuation and earnings expectations.
OZK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.01 | -0.7% |
| Q2 2026 | $6.05 | -1.8% |
| Q1 2026 | $6.14 | +0.7% |
| Q4 2025 | $6.17 | +0.5% |
| Q3 2025 | $6.20 | +2% |
| Q2 2025 | $6.16 | +2.3% |
| Q1 2025 | $6.10 | +2.2% |
| Q4 2024 | $6.14 | +4.6% |
| Q3 2024 | $6.08 | +6.5% |
OZK 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.
OZK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $672.9M | -3.8% |
| Q1 2026 | $661.5M | -1.3% |
| Q4 2025 | $704.6M | +1.3% |
| Q3 2025 | $731.1M | +2.2% |
| Q2 2025 | $699.6M | +0.4% |
| Q1 2025 | $670.5M | +0.6% |
| Q4 2024 | $695.6M | +7% |
| Q3 2024 | $715.7M | +21% |
OZK's revenue grew through 2024 and has held roughly level since: $673M last quarter, down 3.8% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 32% | -2.5 points |
| Q1 2026 | 32% | -1.4 points |
| Q4 2025 | 32% | -1.4 points |
| Q3 2025 | 33% | +0.1 points |
| Q2 2025 | 34% | +1.2 points |
| Q1 2025 | 33% | -1.1 points |
| Q4 2024 | 34% | +0.2 points |
| Q3 2024 | 33% | -4.2 points |
OZK 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 OZK 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.
OZK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $189M | +48% |
| Q1 2026 | $212.1M | -12% |
| Q4 2025 | $175.3M | +45% |
| Q3 2025 | $186M | -28% |
| Q2 2025 | $128.1M | -5.4% |
| Q1 2025 | $242.3M | +8% |
| Q4 2024 | $121M | -35% |
| Q3 2024 | $258M | -3.3% |
OZK 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.
OZK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.1% | -1.2M shares |
| 1 year | -3.6% | -4.1M shares |
| 3 years | -4% | -4.6M shares |
| 5 years | -16% | -20.6M shares |
| Available history | -15% | -19.3M shares |
OZK has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | $15.5M |
| Q1 2026 | $60M |
| Q4 2025 | $93.7M |
| Q3 2025 | — |
| Q2 2025 | $50.8M |
| Q1 2025 | $7.1M |
| Q4 2024 | — |
| Q3 2024 | $462,000 |
OZK spent $169M buying back its own shares over the past year, up 190% from 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 | — |
OZK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -0.9x | Net Cash |
| Q1 2026 | -0.9x | Net Cash |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | -2.2x | Net Cash |
| Q2 2025 | -1.4x | Net Cash |
| Q1 2025 | -1.6x | Net Cash |
| Q4 2024 | -1.8x | Net Cash |
| Q3 2024 | -2.1x | Net Cash |
OZK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like OZK.
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 OZK on leverage, with a lower net debt burden relative to earnings.
OZK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.2 | Neutral |
| Stochastic | 75.3 | Neutral |
OZK's weekly RSI is 54 (neutral) and its Stochastic is 75 (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).
OZK PE vs Financial Services Sector
| Metric | OZK | Sector median | Relative |
|---|---|---|---|
| PE | 8.3x | 13x | 36% below |
| PE % | 49 | 63 | 14 pts below |
OZK 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.
OZK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $48.3 | 4.4% above |
| 20 week MA | $49.5 | 1.8% above |
| 50 week MA | $48.5 | 4% above |
| 100 week MA | $47.8 | 5.6% above |
| 200 week MA | $44.9 | 12% above |
OZK 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.
OZK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $30.8 | $31.1 | +1% |
| 2021 | $31.1 | $45.4 | +46% |
| 2022 | $45.4 | $40.3 | -11% |
| 2023 | $40.3 | $49.8 | +24% |
| 2024 | $49.8 | $44.6 | -11% |
| 2025 | $44.6 | $47.2 | +5.8% |
| 2026 YTD | $47.2 | $50.5 | +7% |
OZK 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.