SBSI
Southside Bancshares, Inc.
SBSI has lower modeled downside risk, despite its lower overall score.
SOFI
SoFi Technologies, Inc.
SOFI has the edge over SBSI overall, supported by stronger valuation and stronger modeled upside.
SBSI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
SBSI's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like SBSI.
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.
SBSI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.9x | $32.86 | -6% |
| Forward | 10x | $34.98 | — |
| Current | 11x | $34.98 | — |
| Fair | 12x | $39.16 | +12% |
| Expensive | 15x | $48.19 | +38% |
Historical ranges are pointers, not guarantees.
SBSI's PE is in its cheap range at 11x. If earnings grow as analysts expect, today's price would be 10x 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 SBSI in the historical PE scenario, which offers more potential upside but is not a forecast.
SBSI Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for SBSI, 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.
SBSI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.51 | +6% |
| Q3 2026 | $3.31 | +44% |
| Q2 2026 | $2.54 | -9.9% |
| Q1 2026 | $2.36 | -19% |
| Q4 2025 | $2.29 | -21% |
| Q3 2025 | $2.30 | -17% |
| Q2 2025 | $2.82 | +4.4% |
| Q1 2025 | $2.91 | +7.8% |
| Q4 2024 | $2.91 | +3.2% |
SBSI earned $3.31 per share over the past year, up 44% 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 SBSI on earnings, with more consistent year-over-year improvement.
SBSI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $74M | +69% |
| Q2 2026 | $71.3M | +7.4% |
| Q1 2026 | $70.3M | +9.7% |
| Q4 2025 | $62.8M | -4.8% |
| Q3 2025 | $43.7M | -31% |
| Q2 2025 | $66.4M | +1.9% |
| Q1 2025 | $64.1M | +1.6% |
| Q4 2024 | $66M | +16% |
SBSI's revenue is growing: $74M last quarter, up 69% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 46% | +35 points |
| Q2 2026 | 46% | +5.7 points |
| Q1 2026 | 40% | -0.7 points |
| Q4 2025 | 39% | -0.7 points |
| Q3 2025 | 12% | -28 points |
| Q2 2025 | 40% | -5.9 points |
| Q1 2025 | 41% | -0.5 points |
| Q4 2024 | 40% | +5.8 points |
SBSI 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 SBSI 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.
SBSI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $65.4M | +75% |
| Q2 2026 | $27.5M | +$29.5M |
| Q1 2026 | $45M | +109% |
| Q4 2025 | $16.6M | -51% |
| Q3 2025 | $37.4M | +$51.5M |
| Q2 2025 | -$2M | -113% |
| Q1 2025 | $21.5M | -61% |
| Q4 2024 | $33.7M | +$92.2M |
SBSI 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.
SBSI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +28K shares |
| 1 year | -0.8% | -230K shares |
| 3 years | -2.1% | -638K shares |
| 5 years | -8.1% | -2.7M shares |
| Available history | -12% | -4M shares |
SBSI has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2025 | $10.6M |
| Q3 2025 | $1.5M |
| Q4 2024 | $5,000 |
| Q3 2024 | — |
| Q2 2024 | $1.5M |
| Q1 2024 | — |
| Q4 2023 | $4.7M |
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 | — |
SBSI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.8x | Net Cash |
| Q2 2026 | -1.9x | Net Cash |
| Q1 2026 | -1.9x | Net Cash |
| Q4 2025 | -1.0x | Net Cash |
| Q3 2025 | -1.8x | Net Cash |
| Q2 2025 | -2.1x | Net Cash |
| Q1 2025 | -2.4x | Net Cash |
| Q4 2024 | -2.3x | Net Cash |
SBSI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SBSI.
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 SBSI on leverage, with a lower net debt burden relative to earnings.
SBSI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.5 | Neutral |
| Stochastic | 77.9 | Neutral |
SBSI's weekly RSI is 62 (neutral) and its Stochastic is 78 (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).
SBSI PE vs Financial Services Sector
| Metric | SBSI | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 19% below |
| PE % | 27 | 63 | 36 pts below |
SBSI 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.
SBSI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $32.1 | 8.8% above |
| 20 week MA | $32.7 | 7% above |
| 50 week MA | $32.5 | 7.8% above |
| 100 week MA | $31.0 | 13% above |
| 200 week MA | $30.9 | 13% above |
SBSI 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.
SBSI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $37.1 | $31.3 | -15% |
| 2021 | $31.3 | $41.3 | +32% |
| 2022 | $41.3 | $35.5 | -14% |
| 2023 | $35.5 | $31.3 | -12% |
| 2024 | $31.3 | $31.8 | +1.6% |
| 2025 | $31.8 | $31.3 | -1.7% |
| 2026 YTD | $31.3 | $35.0 | +12% |
SBSI 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.