Why This 1 Unstoppable Stock Could Be the Next Bank of America

By Marc Guberti – Feb 19, 2026 at 5:10AM ESTKey PointsSoFi delivered exceptional revenue and adjusted net income growth in Q4, showing that the growth thesis remains intact.The fintech company added a record-breaking 1 million customers in Q4.SoFi is exhibiting strong demand across its product categories, making it a well-diversified online bank.We’re bullish on these 10 stocks ›NASDAQ: SOFISoFi TechnologiesMarket Cap$25BToday's Changeangle-down(0.20%) $0.04Current Price$19.55Price as of February 18, 2026 at 3:58 PM ETSoFi is rapidly gaining market share as a top online bank.Bank of America (BAC +1.24%) is one of the largest global banks, with thousands of branches. It offers a wide range of financial products that help people save, borrow, and invest their money. The stock has been sluggish to start the year and is down by 3%, but its long-term returns are solid. The bank stock is up by more than 50% during the past five years and has a 2.1% dividend yield. This same financial stock is approaching a $400 billion market cap, which will make it harder for the company to deliver life-changing returns for new investors. People who want exposure to the financial sector and a promising long-term pick may want to consider SoFi (SOFI +0.20%) instead. Here's why. This small fintech company is delivering tremendous growth Image source: Getty Images. SoFi is larger than most fintech companies, but its $25 billion market cap looks small when you compare it to Bank of America. Its online banking solutions let it offer higher interest rates on deposits and have more competitive products than traditional banks, which have higher overhead costs as a result of operating large networks of physical branch offices. ExpandNASDAQ: SOFISoFi TechnologiesToday's Change(0.20%) $0.04Current Price$19.55Key Data PointsMarket Cap$25BDay's Range$19.23 - $20.0052wk Range$8.60 - $32.73Volume1.4KAvg Vol56MGross Margin61.06% The online bank delivered 40% year-over-year revenue growth in the fourth quarter and secured its ninth consecutive quarter of profitability. SoFi's adjusted net income almost tripled year over year. This metric is more valuable than net income for this particular quarter, since SoFi had a one-time income tax benefit in Q4 2024 that distorts the year-over-year net income comparison. SoFi's revenue and net income are growing at faster rates than those of Bank of America and other traditional banks. As more people tap into the benefits of online banking, SoFi should continue to gain market share and wind up with a more attractive price-to-earnings (P/E) ratio over time. Here's what is fueling those numbers SoFi's growth rates are good, and its underlying business suggests it can maintain those gains. The fintech company has 13.7 million customers after adding 1 million new members in Q4. That's the most customers SoFi has added in a single quarter, highlighting the growing mainstream acceptance of online banks. The company is also delivering solid results across multiple product categories. Just like any traditional bank, SoFi helps people save, borrow, and invest money. The company also recently tapped into cryptocurrencies again, which can turn into a long-term tailwind once Bitcoin (BTC 1.44%) regains its momentum. SoFi said it closed the year with 63,441 crypto products, which means that many SoFi members are using crypto trading. SoFi also saw strong demand across its product categories, with bank accounts, investment accounts, and credit card openings up by 33%, 28%, and 56% year over year, respectively. SoFi's products are getting more popular, and all that visibility directly translates into revenue and net income gains that can help the fintech stock outperform Bank of America and its peers.Read NextFeb 19, 2026 •By Brett SchaferThe Best Financials Stocks to Buy With $500 Right NowFeb 18, 2026 •By Jack DelaneySoFi Stock Dropped 17% in January -- Here's What HappenedFeb 17, 2026 •By Neil PatelBetter Growth Stock: Nu Holdings vs. SoFi TechnologiesFeb 16, 2026 •By Neil PatelSoFi Technologies Just Proved Bitcoin Has a Clear Use Case for FintechFeb 16, 2026 •By Neil PatelIs It Too Late to Buy SoFi Technologies Stock?Feb 13, 2026 •By Leo Sun2 Brilliant Growth Stocks to Buy Now and Hold for the Long TermAbout the AuthorMarc Guberti is a Certified Personal Finance Counselor and has been a contributing Motley Fool stock market analyst since 2025. He has written for several finance publications. Marc graduated from Fordham University with a finance degree. He is an avid marathon runner who aims to complete more than 100 marathons in his lifetime. His fastest marathon time is 2:40.TMFmarcgubertiStocks MentionedSoFi TechnologiesNASDAQ: SOFI$19.55 (+0.20%) $+0.04Bank of AmericaNYSE: BAC$53.40 (+1.24%) $+0.66BitcoinCRYPTO: BTC$66536.00 (1.44%) $972.95*Average returns of all recommendations since inception. Cost basis and return based on previous market day close.