BMRC
Bank of Marin Bancorp
BMRC has the edge over HOOD overall, supported by stronger fundamentals and lower modeled downside.
HOOD
Robinhood Markets, Inc.
HOOD offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
BMRC Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
BMRC's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like BMRC.
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.
BMRC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 6.8x | $28.52 | — |
| Cheap | 8.8x | $37.00 | +30% |
| Forward | 11x | $28.52 | — |
| Fair | 14x | $57.55 | +102% |
| Expensive | 18x | $75.08 | +163% |
Historical ranges are pointers, not guarantees.
BMRC 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.
BMRC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for BMRC, with profitability improving.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over BMRC on the outlook, with more favorable valuation expectations.
BMRC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.50 | -41% |
| Q3 2026 | $4.22 | +581% |
| Q2 2026 | $4.07 | +847% |
| Q1 2026 | $2.96 | +$3.36 |
| Q4 2025 | $2.73 | +$3.25 |
| Q3 2025 | $0.62 | +$1.48 |
| Q2 2025 | $0.43 | +$1.24 |
| Q1 2025 | -$0.40 | -148% |
| Q4 2024 | -$0.52 | -142% |
BMRC's earnings per share have jumped to their highest in seven years: $4.22 over the past year, up from $0.62 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 BMRC on earnings, with more consistent year-over-year improvement.
BMRC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $35.1M | +13% |
| Q2 2026 | $34M | +230% |
| Q1 2026 | $34.1M | +23% |
| Q4 2025 | $79.3M | +183% |
| Q3 2025 | $30.9M | +14% |
| Q2 2025 | $10.3M | +181% |
| Q1 2025 | $27.8M | +9.3% |
| Q4 2024 | $28M | +33% |
BMRC's revenue has grown year over year for nine quarters in a row: $35M last quarter, up 13% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | +7.9 points |
| Q2 2026 | 37% | +146 points |
| Q1 2026 | 34% | +11 points |
| Q4 2025 | 59% | +25 points |
| Q3 2025 | 31% | +5.4 points |
| Q2 2025 | -109% | +830 points |
| Q1 2025 | 23% | +7.9 points |
| Q4 2024 | 34% | +33 points |
BMRC's operating margin was 39% last quarter, up 7.9 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 BMRC on sales, with stronger typical year-over-year growth.
| 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 BMRC on profitability, with a higher operating margin.
BMRC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $16M | +33% |
| Q2 2026 | $11.8M | +68% |
| Q1 2026 | $921K | -80% |
| Q4 2025 | $13.2M | +25% |
| Q3 2025 | $12.1M | +24% |
| Q2 2025 | $7.1M | +111% |
| Q1 2025 | $4.6M | +11% |
| Q4 2024 | $10.6M | +1261% |
BMRC has the edge over HOOD on cash flow, with more consistent year-over-year improvement.
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's free cash flow was $3B over the past year, up 159% from the year before. Free cash flow isn't a meaningful measure for financial services companies like HOOD.
BMRC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +49K shares |
| 1 year | +0.7% | +106K shares |
| 3 years | 0% | +4K shares |
| 5 years | +7% | +1M shares |
| Available history | +16% | +2.2M shares |
BMRC has 16M diluted shares, up 0.7% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $6,000 |
| Q1 2026 | $6,000 |
| Q4 2025 | — |
| Q3 2025 | $1.1M |
| Q4 2024 | $19,000 |
| Q2 2024 | $55,000 |
| Q4 2023 | — |
BMRC has spent almost nothing on buybacks in the past year.
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 BMRC 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.
BMRC 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.
BMRC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 58.3 | Neutral |
| Stochastic | 61.9 | Neutral |
BMRC's weekly RSI is 58 (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).
BMRC PE vs Financial Services Sector
| Metric | BMRC | Sector median | Relative |
|---|---|---|---|
| PE | 6.8x | 13x | 48% below |
| PE % | 6 | 63 | 57 pts below |
BMRC 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.
BMRC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $27.6 | 3.2% above |
| 20 week MA | $27.9 | 2.1% above |
| 50 week MA | $26.9 | 6.1% above |
| 100 week MA | $25.1 | 13% above |
| 200 week MA | $22.6 | 26% above |
BMRC 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.
BMRC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $46.0 | $36.5 | -21% |
| 2021 | $36.5 | $36.6 | +0.4% |
| 2022 | $36.6 | $33.0 | -9.9% |
| 2023 | $33.0 | $22.0 | -33% |
| 2024 | $22.0 | $23.5 | +6.8% |
| 2025 | $23.5 | $26.6 | +13% |
| 2026 YTD | $26.6 | $28.5 | +7.3% |
BMRC 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.