SOFI
SoFi Technologies, Inc.
SOFI has the edge over STBA overall, supported by stronger valuation and stronger fundamentals.
STBA
S&T Bancorp, Inc.
STBA has lower modeled downside risk, despite its lower overall score.
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.
STBA Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
STBA'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 STBA.
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 STBA in the historical PE scenario, which offers more potential upside but is not a forecast.
STBA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.8x | $34.56 | -32% |
| Fair | 11x | $44.15 | -13% |
| Forward | 12x | $50.81 | — |
| Current | 13x | $50.81 | — |
| Expensive | 14x | $53.27 | +4.9% |
Historical ranges are pointers, not guarantees.
STBA's PE is in its expensive range at 13x. If earnings grow as analysts expect, today's price would be 12x next year's earnings.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over STBA on the outlook, with more favorable revenue expectations.
STBA Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect STBA's earnings to grow and its profitability to improve, with its revenue holding steady.
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 STBA on earnings, with more consistent year-over-year improvement.
STBA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.17 | +6.1% |
| Q3 2026 | $3.93 | +13% |
| Q2 2026 | $3.75 | +10% |
| Q1 2026 | $3.56 | +2.6% |
| Q4 2025 | $3.49 | +2.3% |
| Q3 2025 | $3.47 | -1.1% |
| Q2 2025 | $3.41 | -3.4% |
| Q1 2025 | $3.47 | -1.7% |
| Q4 2024 | $3.41 | -8.8% |
STBA earned $3.93 per share over the past year, up 13% from the year before.
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 STBA 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.
STBA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $107.8M | +4.6% |
| Q2 2026 | $105.2M | +5.2% |
| Q1 2026 | $102.1M | +8.9% |
| Q4 2025 | $105.3M | +12% |
| Q3 2025 | $103M | +6.9% |
| Q2 2025 | $100.1M | +3.3% |
| Q1 2025 | $93.8M | -2.7% |
| Q4 2024 | $94.3M | -8.6% |
STBA's revenue has grown year over year for six quarters in a row: $108M last quarter, up 4.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 45% | +2.7 points |
| Q2 2026 | 43% | +3.2 points |
| Q1 2026 | 43% | -1.3 points |
| Q4 2025 | 40% | -3.5 points |
| Q3 2025 | 43% | -0.4 points |
| Q2 2025 | 40% | -4.3 points |
| Q1 2025 | 44% | +3.8 points |
| Q4 2024 | 44% | -0.8 points |
STBA has the edge over SOFI on profitability, with a higher operating margin.
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.
STBA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $66.7M | +67% |
| Q2 2026 | $27M | -0.5% |
| Q1 2026 | $41.6M | +54% |
| Q4 2025 | $34.9M | -35% |
| Q3 2025 | $39.9M | +49% |
| Q1 2025 | $27M | -41% |
| Q4 2024 | $53.9M | +40% |
| Q3 2024 | $26.8M | -49% |
STBA has the edge over SOFI on cash generation, producing positive trailing cash flow while its opponent burns cash.
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 | — |
STBA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.3% | -451K shares |
| 1 year | -7.9% | -3M shares |
| 3 years | -6.9% | -2.6M shares |
| 5 years | -9.2% | -3.6M shares |
| Available history | +2.4% | +836K shares |
STBA has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $47.6M |
| Q1 2026 | $49.7M |
| Q4 2024 | — |
| Q3 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q4 2022 | — |
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 more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SOFI.
STBA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2020 | -0.5x | Net Cash |
| Q3 2020 | -3.0x | Net Cash |
| Q2 2020 | -1.8x | Net Cash |
| Q1 2020 | 3.6x | Elevated |
| Q4 2019 | 3.1x | Elevated |
STBA has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like STBA.
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).
STBA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.2 | Neutral |
| Stochastic | 56.2 | Neutral |
STBA's weekly RSI is 61 (neutral) and its Stochastic is 56 (neutral).
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.
STBA PE vs Financial Services Sector
| Metric | STBA | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.7% below |
| PE % | 78 | 63 | 15 pts above |
STBA has the edge over SOFI on valuation relative to its sector.
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.
STBA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $49.9 | 1.9% above |
| 20 week MA | $50.2 | 1.2% above |
| 50 week MA | $45.9 | 11% above |
| 100 week MA | $41.8 | 22% above |
| 200 week MA | $37.5 | 36% above |
STBA has the edge over SOFI on trend strength, trading above more of its moving averages.
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.
STBA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $40.2 | $24.4 | -39% |
| 2021 | $24.4 | $31.3 | +28% |
| 2022 | $31.3 | $34.7 | +11% |
| 2023 | $34.7 | $33.4 | -3.6% |
| 2024 | $33.4 | $38.5 | +15% |
| 2025 | $38.5 | $40.3 | +4.8% |
| 2026 YTD | $40.3 | $50.8 | +26% |
STBA has the edge over SOFI on returns for 2026, with the stronger performance.