BY
Byline Bancorp, Inc.
BY has a slight edge over HOOD overall, supported by lower modeled downside and stronger fundamentals.
HOOD
Robinhood Markets, Inc.
HOOD offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
BY Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
BY's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BY.
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.
BY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.5x | $29.37 | -25% |
| Fair | 11x | $36.15 | -7.5% |
| Current | 11x | $39.07 | — |
| Forward | 11x | $39.07 | — |
| Expensive | 12x | $42.67 | +9.2% |
Historical ranges are pointers, not guarantees.
BY's PE is in its expensive range at 11.4x. On analysts' estimates for next year's earnings, today's price would be 11.2x, in its fair 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 BY in the historical PE scenario, which offers more potential upside but is not a forecast.
BY Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for BY, with profitability improving.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over BY on the outlook, with more favorable valuation expectations.
BY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.48 | +1.2% |
| Q3 2026 | $3.44 | +23% |
| Q2 2026 | $3.32 | +24% |
| Q1 2026 | $3.08 | +14% |
| Q4 2025 | $2.89 | +5.1% |
| Q3 2025 | $2.80 | +1.8% |
| Q2 2025 | $2.67 | -1.5% |
| Q1 2025 | $2.69 | -1.5% |
| Q4 2024 | $2.75 | +3% |
BY earned $3.44 per share over the past year, up 23% 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 BY on earnings, with more consistent year-over-year improvement.
BY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $121M | +4.6% |
| Q2 2026 | $117.7M | +6.6% |
| Q1 2026 | $112.4M | +9% |
| Q4 2025 | $117M | +12% |
| Q3 2025 | $115.7M | +14% |
| Q2 2025 | $110.5M | +11% |
| Q1 2025 | $103.1M | +2% |
| Q4 2024 | $104.7M | +3.9% |
BY's revenue has grown year over year for eight quarters in a row: $121M last quarter, up 4.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 45% | +1.9 points |
| Q2 2026 | 46% | +11 points |
| Q1 2026 | 44% | +7.8 points |
| Q4 2025 | 40% | +1.5 points |
| Q3 2025 | 43% | +3.8 points |
| Q2 2025 | 35% | -5.1 points |
| Q1 2025 | 36% | -3.8 points |
| Q4 2024 | 39% | -1.1 points |
BY 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 BY 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.
BY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $61.7M | +63% |
| Q2 2026 | $13.2M | -13% |
| Q1 2026 | $54.1M | +116% |
| Q4 2025 | $58.1M | +14% |
| Q3 2025 | $38M | +98% |
| Q2 2025 | $15.2M | -61% |
| Q1 2025 | $25M | -59% |
| Q4 2024 | $50.8M | +$56.8M |
BY's free cash flow was $187M over the past year, up 45% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BY.
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.
BY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.6% | -247K shares |
| 1 year | -1.8% | -831K shares |
| 3 years | +2.5% | +1.1M shares |
| 5 years | +17% | +6.5M shares |
| Available history | +17% | +6.6M shares |
BY has the edge over HOOD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $20.2M |
| Q2 2026 | $9.1M |
| Q1 2026 | $9.8M |
| Q4 2025 | $9.8M |
| Q3 2025 | $193,000 |
| Q2 2025 | $13.1M |
| Q1 2025 | $687,000 |
| Q4 2023 | — |
BY spent $49M buying back its own shares over 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 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.
BY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.6x | Healthy |
| Q2 2026 | 3.5x | Elevated |
| Q1 2026 | 4.2x | High |
| Q4 2025 | 3.9x | Elevated |
| Q3 2025 | 3.3x | Elevated |
| Q2 2025 | 4.0x | High |
| Q1 2025 | 4.8x | High |
| Q4 2024 | 4.3x | High |
BY's net debt is about 1.6 years of its operating earnings (EBITDA), down from 3.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like BY.
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 BY on leverage, with a lower net debt burden relative to earnings.
BY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.6 | Neutral |
| Stochastic | 64.4 | Neutral |
BY's weekly RSI is 63 (neutral) and its Stochastic is 64 (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).
BY PE vs Financial Services Sector
| Metric | BY | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 13% below |
| PE % | 67 | 63 | 4 pts above |
BY 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.
BY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $37.9 | 3.2% above |
| 20 week MA | $38.2 | 2.4% above |
| 50 week MA | $34.5 | 13% above |
| 100 week MA | $30.9 | 26% above |
| 200 week MA | $26.8 | 46% above |
BY 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.
BY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.3 | $15.4 | -20% |
| 2021 | $15.4 | $26.9 | +74% |
| 2022 | $26.9 | $22.9 | -15% |
| 2023 | $22.9 | $23.6 | +2.8% |
| 2024 | $23.6 | $29.0 | +23% |
| 2025 | $29.0 | $29.7 | +2.6% |
| 2026 YTD | $29.7 | $39.1 | +32% |
BY 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.