PFBC
Preferred Bank
PFBC has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over PFBC overall, supported by stronger valuation and stronger modeled upside.
PFBC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
PFBC's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like PFBC.
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.
PFBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.9x | $76.02 | -27% |
| Fair | 9.2x | $101 | -2.4% |
| Forward | 9.2x | $103 | — |
| Current | 9.5x | $103 | — |
| Expensive | 12x | $131 | +26% |
Historical ranges are pointers, not guarantees.
PFBC's PE is in its fair range at 9.5x. On analysts' estimates for next year's earnings, today's price would be 9.2x.
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 PFBC in the historical PE scenario, which offers more potential upside but is not a forecast.
PFBC Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for PFBC, with profitability improving.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over PFBC on the outlook, with more favorable valuation expectations.
PFBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $11.25 | +2.9% |
| Q2 2026 | $10.94 | +15% |
| Q1 2026 | $10.73 | +14% |
| Q4 2025 | $10.43 | +8.3% |
| Q3 2025 | $9.89 | -0.9% |
| Q2 2025 | $9.51 | -7% |
| Q1 2025 | $9.42 | -9.1% |
| Q4 2024 | $9.63 | -8.5% |
| Q3 2024 | $9.98 | -6.2% |
PFBC earned $10.94 per share over the past year, up 15% 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 PFBC on earnings, with more consistent year-over-year improvement.
PFBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $125.7M | +1.2% |
| Q1 2026 | $120.8M | +1.9% |
| Q4 2025 | $129.3M | +1.6% |
| Q3 2025 | $130.5M | -1.8% |
| Q2 2025 | $124.2M | -5% |
| Q1 2025 | $118.5M | -8.5% |
| Q4 2024 | $127.3M | +2.9% |
| Q3 2024 | $132.9M | +3.4% |
PFBC's revenue grew through 2023 and has held roughly level since: $126M last quarter, up 1.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 39% | +1.1 points |
| Q1 2026 | 37% | +1 points |
| Q4 2025 | 38% | +4.8 points |
| Q3 2025 | 39% | +3.7 points |
| Q2 2025 | 38% | +1.3 points |
| Q1 2025 | 36% | -0.5 points |
| Q4 2024 | 33% | -7.1 points |
| Q3 2024 | 35% | -6.2 points |
PFBC 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 PFBC 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.
PFBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $26.6M | +4.3% |
| Q1 2026 | $44.3M | 0% |
| Q4 2025 | $86.2M | +116% |
| Q3 2025 | $10.8M | -81% |
| Q2 2025 | $25.5M | -0.8% |
| Q1 2025 | $44.3M | +4.7% |
| Q4 2024 | $39.8M | +$41M |
| Q3 2024 | $55.8M | -5.4% |
PFBC 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.
PFBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2% | -243K shares |
| 1 year | -7.6% | -990K shares |
| 3 years | -17% | -2.5M shares |
| 5 years | -19% | -2.9M shares |
| Available history | -20% | -3M shares |
PFBC has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | $101,000 |
| Q1 2026 | $41.4M |
| Q4 2025 | $16.3M |
| Q3 2025 | $6.4M |
| Q2 2025 | $57.2M |
| Q1 2025 | $13.2M |
| Q4 2024 | $6.5M |
| Q3 2024 | $5.4M |
PFBC spent $64M buying back its own shares over the past year, down 22% 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 | — |
PFBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -1.9x | Net Cash |
| Q1 2026 | -2.2x | Net Cash |
| Q4 2025 | -2.2x | Net Cash |
| Q3 2025 | -2.3x | Net Cash |
| Q2 2025 | -2.2x | Net Cash |
| Q1 2025 | -4.0x | Net Cash |
| Q4 2024 | -3.2x | Net Cash |
| Q3 2024 | -3.1x | Net Cash |
PFBC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like PFBC.
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 PFBC on leverage, with a lower net debt burden relative to earnings.
PFBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.5 | Neutral |
| Stochastic | 33.4 | Neutral |
PFBC's weekly RSI is 52 (neutral) and its Stochastic is 33 (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).
PFBC PE vs Financial Services Sector
| Metric | PFBC | Sector median | Relative |
|---|---|---|---|
| PE | 9.5x | 13x | 27% below |
| PE % | 52 | 63 | 11 pts below |
PFBC 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.
PFBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $105.2 | 1.7% below |
| 20 week MA | $105.2 | 1.6% below |
| 50 week MA | $98.4 | 5.1% above |
| 100 week MA | $93.0 | 11% above |
| 200 week MA | $81.5 | 27% above |
PFBC 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.
PFBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $59.8 | $48.6 | -19% |
| 2021 | $48.6 | $69.7 | +43% |
| 2022 | $69.7 | $75.0 | +7.7% |
| 2023 | $75.0 | $73.1 | -2.7% |
| 2024 | $73.1 | $86.7 | +19% |
| 2025 | $86.7 | $99.0 | +14% |
| 2026 YTD | $99.0 | $103.5 | +4.5% |
PFBC 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.