Bank stocks as a group aren't typically known for high growth. However, when you add technology to the mix for serious fintech power, there are some top bank stocks that could drive your portfolio higher.
Consider Nu Holdings (NU 3.59%) and SoFi Technologies (SOFI 4.48%). Both of these stocks aren't just beating other bank stocks, they've crushed both the S&P 500 and even the Nasdaq 100 over the past three years.
NU Total Return Level data by YCharts.
Here's why they should continue to be the best bank stocks to own through 2030.
Image source: Getty Images.
1. Nu
Nu is an all-digital bank based in Brazil, and it's changing how people manage their finances in its three markets of Brazil, Mexico, and Colombia. Before it got started, even affluent people who could engage with the banking system had high barriers to access, and lower-income customers were largely shut out. Nu has operated until recently as a non-bank financial company, which is how it's been able to offer its limited assortment of services.
NYSE: NU
Key Data Points
Growth has been explosive, and Nu has more than 60% of the adult population in Brazil on the platform, attracting business from all socio-economic demographics. And while that might sound like it's near saturation, there's still a huge opportunity in a number of ways. Beyond getting more customers in Brazil, where it still onboards about 1 million new members every month, it's monetizing its user base. Customers often have only NuBank product, and many have a different primary bank.
It also has tons of room to add users in Mexico, where it has 14% of the adult population as customers, and Colombia, where that's 10%. Management has also implied that it will open in new markets, and it recently applied for a banking charter in the U.S.
Nu is just getting started, and it should reward investors well over the next five years and longer.
2. SoFi
SoFi is similar to Nu, but it operates in the U.S. and has a focus on lending. It's also launching many new blockchain-based products, and it's angling to become a top-10 U.S. financial institution.
Like Nu, the basis of the company's great success is its growing membership base. SoFi added a record 1 million new customers in the 2025 fourth quarter, a 35% year-over-year increase for a total of nearly 13.7 million. That's a fast rate, but SoFi is still a small bank, leaving a long growth runway.
NASDAQ: SOFI
Key Data Points
Since interest rates have come down, SoFi's lending business, which still accounts for about half of total revenue, has bounced back. As the company gets bigger and has more experience in different types of economies, it's in a better position for future hiccups.
However, the major growth is happening in the financial services segment, which includes non-lending services like bank accounts and investing. Revenue increased 78% year over year in Q4, and contribution profit doubled.
The third segment, tech platform, isn't growing as fast, but SoFi is now leveraging it to create innovative financial products like its new all-in-one Smart Card.
SoFi is brimming with opportunity, and it should keep outperforming other bank stocks for the foreseeable future.
