PLBC
Plumas Bancorp
PLBC has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over PLBC overall, supported by stronger valuation and stronger modeled upside.
PLBC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
PLBC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like PLBC.
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.
PLBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.3x | $43.48 | -31% |
| Fair | 8.9x | $53.00 | -16% |
| Expensive | 11x | $62.85 | -0.1% |
| Current | 11x | $62.91 | — |
| Forward | 11x | $62.91 | — |
Historical ranges are pointers, not guarantees.
PLBC's PE is in its expensive range at 10.6x. On analysts' estimates for next year's earnings, today's price would be 10.7x.
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 PLBC in the historical PE scenario, which offers more potential upside but is not a forecast.
PLBC Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for PLBC, with profitability improving.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over PLBC on the outlook, with more favorable valuation expectations.
PLBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.89 | -1.1% |
| Q3 2026 | $5.96 | +39% |
| Q2 2026 | $5.08 | +4.5% |
| Q1 2026 | $4.72 | -4.6% |
| Q4 2025 | $4.54 | -5.4% |
| Q3 2025 | $4.28 | -10% |
| Q2 2025 | $4.86 | +1% |
| Q1 2025 | $4.95 | +3.3% |
| Q4 2024 | $4.80 | -4.4% |
PLBC earned $5.96 per share over the past year, up 39% 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 PLBC on earnings, with more consistent year-over-year improvement.
PLBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $29.3M | +6.9% |
| Q2 2026 | $28.8M | +40% |
| Q1 2026 | $28.1M | +29% |
| Q4 2025 | $28.6M | +35% |
| Q3 2025 | $27.4M | +30% |
| Q2 2025 | $20.5M | -0.3% |
| Q1 2025 | $21.8M | +11% |
| Q4 2024 | $21.2M | +5.8% |
PLBC's revenue has grown year over year for five quarters in a row: $29M last quarter, up 6.9% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 48% | +23 points |
| Q2 2026 | 47% | +5.3 points |
| Q1 2026 | 47% | +0.7 points |
| Q4 2025 | 49% | -1.5 points |
| Q3 2025 | 25% | -25 points |
| Q2 2025 | 42% | -2.9 points |
| Q1 2025 | 46% | +3.4 points |
| Q4 2024 | 50% | -0.3 points |
PLBC 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 PLBC 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.
PLBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $14.6M | +204% |
| Q2 2026 | $11.6M | +468% |
| Q1 2026 | $9.3M | +26% |
| Q4 2025 | $6.1M | -25% |
| Q3 2025 | $4.8M | -39% |
| Q2 2025 | $2M | -58% |
| Q1 2025 | $7.3M | -18% |
| Q4 2024 | $8.2M | +3184% |
PLBC 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.
PLBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +10K shares |
| 1 year | +0.5% | +37K shares |
| 3 years | +19% | +1.1M shares |
| 5 years | +20% | +1.2M shares |
| Available history | +35% | +1.8M shares |
PLBC has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.4M |
| Q2 2026 | $756,000 |
| Q1 2026 | $2M |
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 | — |
PLBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.7x | Net Cash |
| Q2 2026 | -2.4x | Net Cash |
| Q1 2026 | -1.0x | Net Cash |
| Q4 2025 | -1.4x | Net Cash |
| Q3 2025 | -1.6x | Net Cash |
| Q2 2025 | -1.6x | Net Cash |
| Q1 2025 | -1.7x | Net Cash |
| Q4 2024 | -1.7x | Net Cash |
PLBC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like PLBC.
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 PLBC on leverage, with a lower net debt burden relative to earnings.
PLBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.4 | Neutral |
| Stochastic | 62.6 | Neutral |
PLBC's weekly RSI is 64 (neutral) and its Stochastic is 63 (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).
PLBC PE vs Financial Services Sector
| Metric | PLBC | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 19% below |
| PE % | 83 | 63 | 20 pts above |
PLBC 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.
PLBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $62.4 | 0.8% above |
| 20 week MA | $61.9 | 1.7% above |
| 50 week MA | $54.9 | 15% above |
| 100 week MA | $49.2 | 28% above |
| 200 week MA | $43.4 | 45% above |
PLBC 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.
PLBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $26.4 | $23.1 | -12% |
| 2021 | $23.1 | $32.5 | +40% |
| 2022 | $32.5 | $35.4 | +9% |
| 2023 | $35.4 | $41.4 | +17% |
| 2024 | $41.4 | $47.0 | +14% |
| 2025 | $47.0 | $45.3 | -3.5% |
| 2026 YTD | $45.3 | $62.9 | +39% |
PLBC 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.