SOFI
SoFi Technologies, Inc.
SOFI has the edge over TSBK overall, supported by stronger valuation and stronger modeled upside.
TSBK
Timberland Bancorp, Inc.
TSBK 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.
TSBK Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
TSBK'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 TSBK.
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 TSBK in the historical PE scenario, which offers more potential upside but is not a forecast.
TSBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.2x | $32.69 | -31% |
| Fair | 9.2x | $36.80 | -23% |
| Expensive | 10x | $41.53 | -13% |
| Current | 12x | $47.61 | — |
Historical ranges are pointers, not guarantees.
TSBK's PE is in its expensive range at 12x.
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.
TSBK Forward outlook
There aren't enough analyst estimates for TSBK to show an outlook.
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.
TSBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $3.99 | +17% |
| Q1 2026 | $3.91 | +21% |
| Q4 2025 | $3.86 | +25% |
| Q3 2025 | $3.68 | +23% |
| Q2 2025 | $3.40 | +13% |
| Q1 2025 | $3.24 | +6.2% |
| Q4 2024 | $3.09 | -1.9% |
| Q3 2024 | $3.00 | -8.5% |
TSBK has the edge over SOFI on earnings, with more consistent year-over-year improvement.
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 TSBK 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.
TSBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $21.8M | +6.3% |
| Q1 2026 | $21.1M | +5.8% |
| Q4 2025 | $21.7M | +10% |
| Q3 2025 | $22.5M | +15% |
| Q2 2025 | $20.5M | +9.2% |
| Q1 2025 | $19.9M | +9% |
| Q4 2024 | $19.7M | +4.6% |
| Q3 2024 | $19.5M | -1.4% |
TSBK's revenue has grown year over year for seven quarters in a row: $22M last quarter, up 6.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 44% | +0.9 points |
| Q1 2026 | 42% | -0.4 points |
| Q4 2025 | 48% | +3.9 points |
| Q3 2025 | 46% | +5.1 points |
| Q2 2025 | 43% | +3.6 points |
| Q1 2025 | 43% | +3.2 points |
| Q4 2024 | 44% | +1.9 points |
| Q3 2024 | 41% | -1.1 points |
TSBK 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.
TSBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $7.8M | -25% |
| Q1 2026 | $6.2M | -49% |
| Q4 2025 | $5.6M | +$9.1M |
| Q3 2025 | $9.5M | +50% |
| Q1 2025 | $12.2M | +237% |
| Q4 2024 | -$3.6M | -178% |
| Q3 2024 | $6.3M | -14% |
| Q4 2023 | $4.6M | -51% |
TSBK 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 | — |
TSBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -66.8K shares |
| 1 year | -0.8% | -66.4K shares |
| 3 years | -4.4% | -359K shares |
| 5 years | -7.2% | -610K shares |
| Available history | -7.2% | -613K shares |
TSBK has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | $2.9M |
| Q1 2026 | $3.1M |
| Q4 2025 | $1M |
| Q3 2025 | $1.9M |
| Q2 2025 | $1.1M |
| Q1 2025 | $1.9M |
| Q4 2024 | $884,000 |
| Q3 2024 | $1.2M |
TSBK spent $9M buying back its own shares over the past year, up 78% from the year before.
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.
TSBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -5.6x | Net Cash |
| Q1 2026 | -6.6x | Net Cash |
| Q4 2025 | -5.5x | Net Cash |
| Q3 2025 | -5.7x | Net Cash |
| Q2 2025 | -4.7x | Net Cash |
| Q1 2025 | -4.8x | Net Cash |
| Q4 2024 | -4.2x | Net Cash |
| Q3 2024 | -4.3x | Net Cash |
TSBK has the edge over SOFI on leverage, with a lower net debt burden relative to earnings.
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).
TSBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 68.9 | Neutral |
| Stochastic | 67.8 | Neutral |
TSBK's weekly RSI is 69 (neutral) and its Stochastic is 68 (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.
TSBK PE vs Financial Services Sector
| Metric | TSBK | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 8.4% below |
| PE % | 98 | 63 | 35 pts above |
TSBK 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.
TSBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $46.3 | 2.8% above |
| 20 week MA | $45.7 | 4.2% above |
| 50 week MA | $41.7 | 14% above |
| 100 week MA | $36.6 | 30% above |
| 200 week MA | $32.6 | 46% above |
TSBK 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.
TSBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $29.8 | $24.6 | -18% |
| 2021 | $24.6 | $27.7 | +13% |
| 2022 | $27.7 | $33.1 | +19% |
| 2023 | $33.1 | $31.5 | -5% |
| 2024 | $31.5 | $30.5 | -3% |
| 2025 | $30.5 | $35.8 | +17% |
| 2026 YTD | $35.8 | $47.6 | +33% |
TSBK has the edge over SOFI on returns for 2026, with the stronger performance.