PEBO vs. SOFI

Last updated Apr 1, 2026

Compare and contrast key facts about Peoples Bancorp Inc. (PEBO) and SoFi Technologies, Inc. (SOFI).

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.

PEBO vs. SOFI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020
PEBO Peoples Bancorp Inc.	10.85%	0.13%	-1.01%	26.45%	-6.61%	22.84%	8.45%
SOFI SoFi Technologies, Inc.	-39.34%	70.00%	54.77%	115.84%	-70.84%	27.09%	18.70%

Fundamentals

Market Cap PEBO : $1.17B SOFI : $21.38B
EPS PEBO : $3.01 SOFI : $0.38
PE Ratio PEBO : 10.92 SOFI : 42.03
PS Ratio PEBO : 1.96 SOFI : 4.64
PB Ratio PEBO : 0.97 SOFI : 2.04
Total Revenue (TTM) PEBO : $592.68M SOFI : $4.36B
Gross Profit (TTM) PEBO : $282.17M SOFI : $2.56B
EBITDA (TTM) PEBO : $120.61M SOFI : $818.24M

Returns By Period

In the year-to-date period, PEBO achieves a 10.85% return, which is significantly higher than SOFI's -39.34% return.

PEBO

• 1D: 1.20%
• 1M: 1.86%
• YTD: 10.85%
• 6M: 12.60%
• 1Y: 17.15%
• 3Y*: 14.60%
• 5Y*: 5.20%
• 10Y*: 10.13%

SOFI

• 1D: 4.82%
• 1M: -10.59%
• YTD: -39.34%
• 6M: -39.89%
• 1Y: 36.54%
• 3Y*: 37.79%
• 5Y*: -1.66%
• 10Y*: —

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

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: 63
PEBO Sharpe Ratio Rank: 65
PEBO Sortino Ratio Rank: 57
PEBO Omega Ratio Rank: 57
PEBO Calmar Ratio Rank: 69
PEBO Martin Ratio Rank: 68

SOFI

SOFI Risk / Return Rank: 60
SOFI Sharpe Ratio Rank: 64
SOFI Sortino Ratio Rank: 62
SOFI Omega Ratio Rank: 59
SOFI Calmar Ratio Rank: 57
SOFI Martin Ratio Rank: 60

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.

	PEBO	SOFI	Difference
Sharpe ratio Return per unit of total volatility	0.69	0.61	+0.07
Sortino ratio Return per unit of downside risk	1.08	1.20	-0.12
Omega ratio Gain probability vs. loss probability	1.14	1.15	-0.01
Calmar ratio Return relative to maximum drawdown	1.33	0.64	+0.69
Martin ratio Return relative to average drawdown	3.08	1.74	+1.35
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

PEBO vs. SOFI - Sharpe Ratio Comparison

The current PEBO Sharpe Ratio is 0.69, which is comparable to the SOFI Sharpe Ratio of 0.61. The chart below compares the historical Sharpe Ratios of PEBO and SOFI, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	PEBO	SOFI	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.69	0.61	+0.07
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.20	-0.02	+0.22
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.34	—	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.16	0.11	+0.05

Correlation

The correlation between PEBO and SOFI is 0.28, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

PEBO vs. SOFI - Dividend Comparison

PEBO's dividend yield for the trailing twelve months is around 4.99%, while SOFI has not paid dividends to shareholders.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
PEBO Peoples Bancorp Inc.	4.99%	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%

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 (5Y) Largest decline over 5 years	-25.41%	-82.00%	+56.59%
Max Drawdown (10Y) Largest decline over 10 years	-48.96%	—	—
Current Drawdown Current decline from peak	-3.83%	-50.70%	+46.87%
Average Drawdown Average peak-to-trough decline	-19.13%	-51.35%	+32.22%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.42%	19.57%	-14.15%

Volatility

PEBO vs. SOFI - Volatility Comparison

The current volatility for Peoples Bancorp Inc. (PEBO) is 4.63%, while SoFi Technologies, Inc. (SOFI) has a volatility of 10.57%. 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	4.63%	10.57%	-5.94%
Volatility (6M) Calculated over the trailing 6-month period	17.20%	42.01%	-24.81%
Volatility (1Y) Calculated over the trailing 1-year period	25.08%	59.89%	-34.81%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	26.39%	67.12%	-40.73%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	30.14%	72.33%	-42.19%

Financials

PEBO vs. SOFI - Profitability Comparison

The chart below illustrates the profitability comparison between Peoples Bancorp Inc. and SoFi Technologies, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

PEBO - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Peoples Bancorp Inc. reported a gross profit of 0.00 and revenue of 156.82M. Therefore, the gross margin over that period was 0.0%.

SOFI - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, SoFi Technologies, Inc. reported a gross profit of 0.00 and revenue of 927.42M. Therefore, the gross margin over that period was 0.0%.

PEBO - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Peoples Bancorp Inc. reported an operating income of 37.98M and revenue of 156.82M, resulting in an operating margin of 24.2%.

SOFI - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, SoFi Technologies, Inc. reported an operating income of 0.00 and revenue of 927.42M, resulting in an operating margin of 0.0%.

PEBO - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Peoples Bancorp Inc. reported a net income of 31.50M and revenue of 156.82M, resulting in a net margin of 20.1%.

SOFI - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, SoFi Technologies, Inc. reported a net income of 173.55M and revenue of 927.42M, resulting in a net margin of 18.7%.