BWB
Bridgewater Bancshares, Inc.
BWB has the edge over HOOD overall, supported by stronger fundamentals and lower modeled downside.
HOOD
Robinhood Markets, Inc.
HOOD offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
BWB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BWB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BWB.
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.
BWB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.8x | $17.14 | -17% |
| Fair | 11x | $22.18 | +7% |
| Current | 11x | $20.73 | — |
| Forward | 11x | $20.73 | — |
| Expensive | 14x | $26.63 | +28% |
Historical ranges are pointers, not guarantees.
BWB's PE is in its fair range at 10.7x. On analysts' estimates for next year's earnings, today's price would be 10.5x.
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 BWB in the historical PE scenario, which offers more potential upside but is not a forecast.
BWB Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for BWB, with profitability holding steady.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over BWB on the outlook, with more favorable valuation and profitability expectations.
BWB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.97 | +1.5% |
| Q3 2026 | $1.94 | +46% |
| Q2 2026 | $1.83 | +50% |
| Q1 2026 | $1.76 | +60% |
| Q4 2025 | $1.49 | +45% |
| Q3 2025 | $1.33 | +25% |
| Q2 2025 | $1.22 | +12% |
| Q1 2025 | $1.10 | -3.5% |
| Q4 2024 | $1.03 | -19% |
BWB earned $1.94 per share over the past year, up 46% 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 BWB on earnings, with more consistent year-over-year improvement.
BWB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $43.2M | +20% |
| Q2 2026 | $40.9M | +13% |
| Q1 2026 | $46.2M | +43% |
| Q4 2025 | $38.8M | +32% |
| Q3 2025 | $36.2M | +33% |
| Q2 2025 | $36.1M | +35% |
| Q1 2025 | $32.3M | +23% |
| Q4 2024 | $29.5M | +10% |
BWB's revenue has grown year over year for eight quarters in a row: $43M last quarter, up 20% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | +2.5 points |
| Q2 2026 | 45% | +3.1 points |
| Q1 2026 | 49% | +10 points |
| Q4 2025 | 44% | +8.5 points |
| Q3 2025 | 42% | -0.1 points |
| Q2 2025 | 42% | +2.3 points |
| Q1 2025 | 39% | +0.1 points |
| Q4 2024 | 36% | -7.7 points |
BWB 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 BWB 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's operating margin was 44% last quarter, down 5.9 points from the same quarter a year ago.
BWB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $45.5M | +486% |
| Q2 2026 | $9.3M | +229% |
| Q1 2026 | $14.2M | +105% |
| Q4 2025 | $4.4M | -86% |
| Q3 2025 | $7.8M | +$14.2M |
| Q2 2025 | $2.8M | -73% |
| Q1 2025 | $6.9M | -3.5% |
| Q4 2024 | $31.2M | +$39.8M |
BWB's free cash flow was $73M over the past year, up 51% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BWB.
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.
BWB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.7% | +207K shares |
| 1 year | +2.1% | +606K shares |
| 3 years | +1.7% | +485K shares |
| 5 years | -1.1% | -314K shares |
| Available history | -4% | -1.2M shares |
BWB has 29M diluted shares, up 2.1% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | $1.6M |
| Q1 2025 | $621,000 |
| Q4 2024 | $17,000 |
| Q3 2024 | — |
| Q2 2024 | $2.9M |
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 BWB 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.
BWB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 3.0x | Elevated |
| Q2 2026 | 3.5x | Elevated |
| Q1 2026 | 3.1x | Elevated |
| Q4 2025 | 6.2x | High |
| Q3 2025 | 6.8x | High |
| Q2 2025 | 5.7x | High |
| Q1 2025 | 5.5x | High |
| Q4 2024 | 4.6x | High |
BWB's net debt is about 3.0 years of its operating earnings (EBITDA), down from 6.8 years a year ago. Net leverage isn't a meaningful measure for financial services companies like BWB.
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 the edge over BWB on leverage, with a lower net debt burden relative to earnings.
BWB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.5 | Neutral |
| Stochastic | 24.5 | Neutral |
BWB's weekly RSI is 53 (neutral) and its Stochastic is 24 (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).
BWB PE vs Financial Services Sector
| Metric | BWB | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 18% below |
| PE % | 38 | 63 | 25 pts below |
BWB 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.
BWB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $20.5 | 1% above |
| 20 week MA | $21.1 | 1.6% below |
| 50 week MA | $19.6 | 6% above |
| 100 week MA | $17.4 | 19% above |
| 200 week MA | $14.7 | 41% above |
BWB 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.
BWB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $13.8 | $12.3 | -11% |
| 2021 | $12.3 | $17.3 | +40% |
| 2022 | $17.3 | $17.8 | +2.8% |
| 2023 | $17.8 | $13.5 | -24% |
| 2024 | $13.5 | $13.5 | -0.2% |
| 2025 | $13.5 | $18.0 | +34% |
| 2026 YTD | $18.0 | $20.7 | +15% |
BWB 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.