PEBO vs. SOFI

Last updated Jun 26, 2026

PEBO (Peoples Bancorp Inc.) and SOFI (SoFi Technologies, Inc.) are both stocks. Both are in the Financial Services sector — PEBO in Banks - Regional, SOFI in Credit Services. Over the past 5 years, PEBO returned 10.46%/yr vs -1.33%/yr for SOFI. At a 0.28 correlation, their price movements are largely independent.

Performance

PEBO vs. SOFI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Peoples Bancorp Inc. (PEBO) and SoFi Technologies, Inc. (SOFI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, PEBO achieves a 29.18% return, which is significantly higher than SOFI's -33.92% return.

PEBO

• 1D: 0.34%
• 1M: 8.30%
• YTD: 29.18%
• 6M: 26.49%
• 1Y: 34.01%
• 3Y*: 18.98%
• 5Y*: 10.46%
• 10Y*: 10.74%

SOFI

• 1D: -0.06%
• 1M: 8.26%
• YTD: -33.92%
• 6M: -37.05%
• 1Y: 7.59%
• 3Y*: 28.26%
• 5Y*: -1.33%
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

PEBO vs. SOFI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
PEBO Peoples Bancorp Inc.	29.18%	0.13%	-1.01%	26.45%	-6.61%	22.84%	3.67%
SOFI SoFi Technologies, Inc.	-33.92%	70.00%	54.77%	115.84%	-70.84%	27.09%	13.09%

Correlation

The correlation between PEBO and SOFI is 0.17, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.17
Correlation (3Y) Calculated over the trailing 3-year period	0.34
Correlation (5Y) Calculated over the trailing 5-year period	0.29
Correlation (All Time) Calculated using the full available price history since Nov 30, 2020	0.28

The correlation between PEBO and SOFI shifts across timeframes, from 0.17 (1 year) to 0.34 (3 years), reflecting how their relationship changes across market environments.

Fundamentals

Market Cap PEBO : $1.34B SOFI : $23.84B
EPS PEBO : $2.33 SOFI : $0.44
PE Ratio PEBO : 16.25 SOFI : 38.98
PS Ratio PEBO : 3.02 SOFI : 4.75
PB Ratio PEBO : 1.10 SOFI : 2.21
Total Revenue (TTM) PEBO : $443.82M SOFI : $4.73B
Gross Profit (TTM) PEBO : $292.06M SOFI : $3.39B
EBITDA (TTM) PEBO : $87.02M SOFI : $1.40B

Return for Risk

PEBO vs. SOFI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

PEBO

PEBO Risk / Return Rank: 80
PEBO Sharpe Ratio Rank: 83
PEBO Sortino Ratio Rank: 78
PEBO Omega Ratio Rank: 76
PEBO Calmar Ratio Rank: 83
PEBO Martin Ratio Rank: 83

SOFI

SOFI Risk / Return Rank: 47
SOFI Sharpe Ratio Rank: 49
SOFI Sortino Ratio Rank: 46
SOFI Omega Ratio Rank: 45
SOFI Calmar Ratio Rank: 47
SOFI Martin Ratio Rank: 47

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

PEBO vs. SOFI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Peoples Bancorp Inc. (PEBO) and SoFi Technologies, Inc. (SOFI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	PEBO	SOFI	Difference
Sharpe ratio: Return per unit of total volatility	1.48	0.14	+1.34
Sortino ratio: Return per unit of downside risk	2.07	0.57	+1.49
Omega ratio: Gain probability vs. loss probability	1.25	1.07	+0.18
Calmar ratio: Return relative to maximum drawdown	2.73	0.14	+2.58
Martin ratio: Return relative to average drawdown	6.98	0.25	+6.72

PEBO vs. SOFI - Sharpe Ratio Comparison

The current PEBO Sharpe Ratio is 1.48, which is higher than the SOFI Sharpe Ratio of 0.14. The chart below compares the historical Sharpe Ratios of PEBO and SOFI, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

PEBO vs. SOFI - Drawdown Comparison

The maximum PEBO drawdown since its inception was -74.33%, smaller than the maximum SOFI drawdown of -83.32%. Use the drawdown chart below to compare losses from any high point for PEBO and SOFI.

Drawdown Indicators

	PEBO	SOFI	Difference
Max Drawdown Largest peak-to-trough decline	-74.33%	-83.32%	+8.99%
Max Drawdown (1Y) Largest decline over 1 year	-12.53%	-52.96%	+40.43%
Max Drawdown (3Y) Largest decline over 3 years	-24.53%	-52.96%	+28.43%
Max Drawdown (5Y) Largest decline over 5 years	-25.41%	-81.54%	+56.13%
Max Drawdown (10Y) Largest decline over 10 years	-48.96%	—	—
Current Drawdown Current decline from peak	0.00%	-46.29%	+46.29%
Average Drawdown Average peak-to-trough decline	-19.00%	-51.17%	+32.17%
Ulcer Index Depth and duration of drawdowns from previous peaks	4.89%	30.02%	-25.13%

Volatility

PEBO vs. SOFI - Volatility Comparison

The current volatility for Peoples Bancorp Inc. (PEBO) is 5.95%, while SoFi Technologies, Inc. (SOFI) has a volatility of 17.46%. This indicates that PEBO experiences smaller price fluctuations and is considered to be less risky than SOFI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	PEBO	SOFI	Difference
Volatility (1M) Calculated over the trailing 1-month period	5.95%	17.46%	-11.51%
Volatility (6M) Calculated over the trailing 6-month period	15.02%	38.10%	-23.08%
Volatility (1Y) Calculated over the trailing 1-year period	23.16%	55.89%	-32.73%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	26.32%	66.45%	-40.13%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	30.06%	71.78%	-41.72%

Dividends

PEBO vs. SOFI - Dividend Comparison

PEBO's dividend yield for the trailing twelve months is around 4.36%, while SOFI has not paid dividends to shareholders.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
PEBO Peoples Bancorp Inc.	4.36%	5.43%	5.02%	4.59%	5.31%	4.50%	5.06%	3.81%	3.72%	2.58%	1.97%	3.18%
SOFI SoFi Technologies, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Financials

Frequently Asked Questions

Can I hold both PEBO and SOFI in my portfolio?

PEBO and SOFI have a correlation of 0.17, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, PEBO or SOFI?

SOFI has higher volatility (17.46%) compared to PEBO (5.95%). In terms of maximum drawdown, PEBO dropped -74.33% vs SOFI's -83.32%.

Which has better risk-adjusted returns?

PEBO currently has the higher Sharpe Ratio (1.48 vs 0.14), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.