BFC
Bank First Corporation
BFC has lower modeled downside risk, despite its lower overall score.
HOOD
Robinhood Markets, Inc.
HOOD has the edge over BFC overall, supported by stronger valuation and stronger fundamentals.
BFC Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
BFC's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like BFC.
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.
BFC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 12x | $95.95 | -36% |
| Forward | 13x | $150 | — |
| Fair | 15x | $119 | -21% |
| Expensive | 18x | $146 | -3% |
| Current | 19x | $150 | — |
Historical ranges are pointers, not guarantees.
BFC's PE is in its expensive range at 19x. If earnings grow as analysts expect, today's price would be 13x next year's earnings, in its cheap range.
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 has the edge over BFC in the historical PE scenario, which offers more potential upside but is not a forecast.
BFC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for BFC, but weaker profitability.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over BFC on the outlook, with more favorable profitability expectations.
BFC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $11.60 | +45% |
| Q3 2026 | $8.01 | +13% |
| Q2 2026 | $7.69 | +11% |
| Q1 2026 | $7.19 | +5.6% |
| Q4 2025 | $7.23 | +11% |
| Q3 2025 | $7.11 | -13% |
| Q2 2025 | $6.93 | -13% |
| Q1 2025 | $6.81 | -12% |
| Q4 2024 | $6.50 | -11% |
BFC earned $8.01 per share over the past year, up 13% 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 BFC on earnings, with more consistent year-over-year improvement.
BFC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $65.3M | +48% |
| Q2 2026 | $65M | +56% |
| Q1 2026 | $63.7M | +48% |
| Q4 2025 | $44.9M | +12% |
| Q3 2025 | $44.2M | +8.4% |
| Q2 2025 | $41.6M | +7% |
| Q1 2025 | $43.1M | +14% |
| Q4 2024 | $40.1M | -47% |
BFC's revenue has grown year over year for seven quarters in a row: $65M last quarter, up 48% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 46% | -5.1 points |
| Q2 2026 | 47% | -2.5 points |
| Q1 2026 | 39% | -13 points |
| Q4 2025 | 51% | -3.4 points |
| Q3 2025 | 51% | +0.1 points |
| Q2 2025 | 50% | -1.3 points |
| Q1 2025 | 51% | +5.7 points |
| Q4 2024 | 54% | -6.7 points |
BFC has the edge over HOOD on profitability, with a higher operating margin.
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 BFC 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's operating margin was 44% last quarter, down 5.9 points from the same quarter a year ago.
BFC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $26M | +109% |
| Q2 2026 | $20.7M | +151% |
| Q1 2026 | -$16.9M | -521% |
| Q4 2025 | $26.3M | -4% |
| Q3 2025 | $12.5M | -26% |
| Q2 2025 | $8.2M | -40% |
| Q1 2025 | $4M | +628% |
| Q4 2024 | $27.4M | +51% |
BFC's free cash flow was $56M over the past year, up 7.7% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BFC.
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 BFC on cash flow, with more consistent year-over-year improvement.
BFC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.6% | -62.8K shares |
| 1 year | +13% | +1.2M shares |
| 3 years | +6.8% | +700K shares |
| 5 years | +45% | +3.4M shares |
| Available history | +60% | +4.2M shares |
BFC has 11M diluted shares, up 13% from a year ago, despite $24M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $412,000 |
| Q2 2026 | $20.4M |
| Q1 2026 | $3.1M |
| Q4 2025 | $1,000 |
| Q3 2025 | — |
| Q2 2025 | $15.7M |
| Q1 2025 | $6.4M |
| Q4 2024 | — |
BFC spent $24M buying back its own shares over the past year, up 8.2% from 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 the edge over BFC on shareholder dilution, with a more favorable share count trend.
| 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.
BFC Net Leverage
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.
BFC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.3 | Neutral |
| Stochastic | 68.5 | Neutral |
BFC's weekly RSI is 53 (neutral) and its Stochastic is 68 (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).
BFC PE vs Financial Services Sector
| Metric | BFC | Sector median | Relative |
|---|---|---|---|
| PE | 19x | 13x | 44% above |
| PE % | 89 | 63 | 26 pts above |
BFC 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.
BFC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $149.0 | 0.7% above |
| 20 week MA | $151.1 | 0.7% below |
| 50 week MA | $143.2 | 4.8% above |
| 100 week MA | $128.5 | 17% above |
| 200 week MA | $106.1 | 41% above |
BFC 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.
BFC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $69.3 | $68.1 | -1.7% |
| 2021 | $68.1 | $70.5 | +3.5% |
| 2022 | $70.5 | $93.0 | +32% |
| 2023 | $93.0 | $86.7 | -6.8% |
| 2024 | $86.7 | $98.7 | +14% |
| 2025 | $98.7 | $126.9 | +29% |
| 2026 YTD | $126.9 | $150.0 | +18% |
BFC 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.