BCAL
Southern California Bancorp
BCAL has lower modeled downside risk, despite its lower overall score.
HOOD
Robinhood Markets, Inc.
HOOD has a slight edge over BCAL overall, supported by stronger fundamentals and stronger modeled upside.
BCAL Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
BCAL's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BCAL.
HOOD Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
HOOD's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like HOOD.
BCAL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $19.37 | -12% |
| Current | 12x | $22.05 | — |
| Forward | 12x | $22.05 | — |
| Fair | 16x | $29.37 | +33% |
| Expensive | 34x | $61.04 | +177% |
Historical ranges are pointers, not guarantees.
BCAL has the edge over HOOD in the historical PE scenario, which offers more potential upside but is not a forecast.
HOOD PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 30x | $81.35 | — |
| Cheap | 37x | $78.84 | -3.1% |
| Current | 38x | $81.35 | — |
| Fair | 51x | $110 | +35% |
| Expensive | 74x | $160 | +96% |
Historical ranges are pointers, not guarantees.
HOOD's PE is in its cheap range at 38x. If earnings grow as analysts expect, today's price would be 30x next year's earnings.
BCAL Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for BCAL, with profitability improving.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over BCAL on the outlook, with more favorable valuation expectations.
BCAL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.85 | +3.4% |
| Q3 2026 | $1.79 | -9.1% |
| Q2 2026 | $1.84 | +104% |
| Q1 2026 | $1.83 | +281% |
| Q4 2025 | $1.93 | +777% |
| Q3 2025 | $1.97 | +$2.05 |
| Q2 2025 | $0.90 | +4.7% |
| Q1 2025 | $0.48 | -60% |
| Q4 2024 | $0.22 | -84% |
BCAL earned $1.79 per share over the past year, down 9.1% from the year before.
HOOD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.72 | +26% |
| Q3 2026 | $2.16 | -10% |
| Q2 2026 | $2.26 | +15% |
| Q1 2026 | $2.06 | +18% |
| Q4 2025 | $2.05 | +31% |
| Q3 2025 | $2.40 | +314% |
| Q2 2025 | $1.96 | +513% |
| Q1 2025 | $1.75 | +1150% |
| Q4 2024 | $1.56 | +$2.17 |
HOOD has the edge over BCAL on earnings, with more consistent year-over-year improvement.
BCAL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $46M | +1.9% |
| Q2 2026 | $44.9M | +1.4% |
| Q1 2026 | $44.2M | -1.3% |
| Q4 2025 | $45.9M | +0.8% |
| Q3 2025 | $45.2M | +19% |
| Q2 2025 | $44.3M | +100% |
| Q1 2025 | $44.8M | +105% |
| Q4 2024 | $45.5M | +103% |
BCAL's revenue has held roughly level: $46M last quarter, up 1.9% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | -8.3 points |
| Q2 2026 | 44% | -1.2 points |
| Q1 2026 | 43% | -9.7 points |
| Q4 2025 | 49% | -2.3 points |
| Q3 2025 | 48% | +107 points |
| Q2 2025 | 45% | +44 points |
| Q1 2025 | 53% | +20 points |
| Q4 2024 | 51% | +23 points |
BCAL's operating margin was 40% last quarter, down 8.3 points from the same quarter a year ago.
HOOD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +12% |
| Q2 2026 | $1.3B | +32% |
| Q1 2026 | $1.1B | +15% |
| Q4 2025 | $1.3B | +27% |
| Q3 2025 | $1.3B | +100% |
| Q2 2025 | $989M | +45% |
| Q1 2025 | $927M | +50% |
| Q4 2024 | $1B | +115% |
HOOD has the edge over BCAL on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | -5.9 points |
| Q2 2026 | 54% | +9.5 points |
| Q1 2026 | 39% | -1.5 points |
| Q4 2025 | 52% | -3.5 points |
| Q3 2025 | 50% | +26 points |
| Q2 2025 | 45% | +17 points |
| Q1 2025 | 40% | +14 points |
| Q4 2024 | 55% | +49 points |
HOOD has the edge over BCAL on profitability, with a higher operating margin.
BCAL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $7.9M | -50% |
| Q2 2026 | $14.3M | +6.8% |
| Q1 2026 | $8.3M | +21% |
| Q4 2025 | $20.8M | -11% |
| Q3 2025 | $15.9M | -12% |
| Q2 2025 | $13.4M | +7729% |
| Q1 2025 | $6.9M | -14% |
| Q4 2024 | $23.5M | +$32M |
BCAL's free cash flow was $51M over the past year, down 14% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BCAL.
HOOD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.2B | +$2.8B |
| Q2 2026 | $720M | -79% |
| Q1 2026 | $2B | +217% |
| Q4 2025 | -$937M | +$463M |
| Q3 2025 | -$1.6B | -187% |
| Q2 2025 | $3.5B | +6398% |
| Q1 2025 | $642M | +$1.3B |
| Q4 2024 | -$1.4B | -246% |
HOOD has the edge over BCAL on cash flow, with more consistent year-over-year improvement.
BCAL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -12K shares |
| 1 year | -1.3% | -428K shares |
| 3 years | +74% | +13.8M shares |
BCAL has the edge over HOOD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $4.6M |
| Q2 2026 | $2M |
| Q1 2026 | $7.4M |
| Q4 2025 | $431,000 |
| Q3 2025 | $1.7M |
| Q2 2025 | $155,000 |
| Q1 2025 | $1.1M |
| Q4 2024 | $998,000 |
BCAL spent $14M buying back its own shares over the past year, about four times what it spent the year before.
HOOD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -1M shares |
| 1 year | -0.8% | -6.9M shares |
| 3 years | +1.8% | +15.9M shares |
| 5 years | +292% | +679M shares |
| Available history | +7.2% | +60.8M shares |
HOOD has 911M diluted shares, down 0.8% from a year ago, with $789M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $25M |
| Q2 2026 | $414M |
| Q1 2026 | $250M |
| Q4 2025 | $100M |
| Q3 2025 | $107M |
| Q2 2025 | $124M |
| Q1 2025 | $322M |
| Q4 2024 | $160M |
HOOD spent $789M buying back its own shares over the past year, up 11% from the year before.
BCAL Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.2x | Net Cash |
| Q2 2026 | -2.6x | Net Cash |
| Q1 2026 | -4.3x | Net Cash |
| Q4 2025 | -3.9x | Net Cash |
| Q3 2025 | -5.6x | Net Cash |
| Q2 2025 | -7.5x | Net Cash |
| Q1 2025 | -12.6x | Net Cash |
| Q4 2024 | -26.8x | Net Cash |
BCAL has the edge over HOOD on leverage, with a lower net debt burden relative to earnings.
HOOD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.3x | Net Cash |
| Q2 2026 | -2.1x | Net Cash |
| Q1 2026 | -2.2x | Net Cash |
| Q4 2025 | -1.9x | Net Cash |
| Q3 2025 | -2.1x | Net Cash |
| Q2 2025 | -2.6x | Net Cash |
| Q1 2025 | -3.3x | Net Cash |
| Q4 2024 | -3.8x | Net Cash |
HOOD has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HOOD.
BCAL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.7 | Neutral |
| Stochastic | 61.6 | Neutral |
BCAL's weekly RSI is 63 (neutral) and its Stochastic is 62 (neutral).
HOOD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 40.8 | Neutral |
| Stochastic | 9.5 | Oversold |
HOOD's weekly RSI is 41 (neutral) and its Stochastic is 10 (oversold).
BCAL PE vs Financial Services Sector
| Metric | BCAL | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 5.4% below |
| PE % | 35 | 63 | 28 pts below |
BCAL has the edge over HOOD on valuation relative to its sector.
HOOD PE vs Financial Services Sector
| Metric | HOOD | Sector median | Relative |
|---|---|---|---|
| PE | 38x | 13x | 189% above |
| PE % | 22 | 66 | 44 pts below |
HOOD is trading at 38x earnings, a 189% premium to the Financial Services sector's median of 13x.
BCAL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $21.7 | 1.5% above |
| 20 week MA | $21.5 | 2.6% above |
| 50 week MA | $19.9 | 11% above |
| 100 week MA | $17.9 | 23% above |
| 200 week MA | $16.5 | 34% above |
BCAL has the edge over HOOD on trend strength, trading above more of its moving averages.
HOOD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $97.8 | 17% below |
| 20 week MA | $102.2 | 20% below |
| 50 week MA | $95.4 | 15% below |
| 100 week MA | $88.5 | 8.1% below |
| 200 week MA | $52.1 | 56% above |
HOOD has fallen below most of its moving averages, though it's still 56% above its 200-week average.
BCAL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $12.8 | $12.4 | -2.8% |
| 2021 | $12.4 | $15.0 | +21% |
| 2022 | $15.0 | $16.7 | +12% |
| 2023 | $16.7 | $17.4 | +3.9% |
| 2024 | $17.4 | $16.8 | -3.5% |
| 2025 | $16.8 | $18.9 | +13% |
| 2026 YTD | $18.9 | $22.1 | +17% |
BCAL has the edge over HOOD on returns for 2026, with the stronger performance.
HOOD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $35.2 | $18.9 | -46% |
| 2022 | $18.9 | $7.95 | -58% |
| 2023 | $7.95 | $12.7 | +60% |
| 2024 | $12.7 | $39.0 | +206% |
| 2025 | $39.0 | $118.1 | +203% |
| 2026 YTD | $118.1 | $81.4 | -31% |
HOOD's yearly returns have swung widely, from +206% in 2024 to −58% in 2022. It's down 31% so far in 2026.