CFBK
CF Bankshares Inc.
CFBK 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.
CFBK Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CFBK'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 CFBK.
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.
CFBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.8x | $16.50 | -53% |
| Fair | 7.7x | $26.58 | -25% |
| Forward | 8.7x | $35.32 | — |
| Current | 10x | $35.32 | — |
| Expensive | 11x | $37.27 | +5.5% |
Historical ranges are pointers, not guarantees.
CFBK's PE is in its expensive range at 10x. If earnings grow as analysts expect, today's price would be 8.7x next year's earnings.
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 CFBK in the historical PE scenario, which offers more potential upside but is not a forecast.
CFBK Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CFBK, with profitability improving.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
Analysts expect strong earnings and revenue growth for HOOD, with profitability improving. However, they disagree widely on these estimates.
CFBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.08 | +18% |
| Q3 2026 | $3.46 | +39% |
| Q2 2026 | $2.91 | +4.7% |
| Q1 2026 | $2.78 | +22% |
| Q4 2025 | $2.69 | +31% |
| Q3 2025 | $2.49 | +21% |
| Q2 2025 | $2.78 | +38% |
| Q1 2025 | $2.27 | -6.2% |
| Q4 2024 | $2.06 | -22% |
CFBK's earnings per share have fallen from their peak: $3.46 over the past year, against $5.13 in early 2021.
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 CFBK on earnings, with more consistent year-over-year improvement.
CFBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $16.7M | +7.7% |
| Q2 2026 | $16.5M | +6.2% |
| Q1 2026 | $14.8M | +4.9% |
| Q4 2025 | $15.7M | +13% |
| Q3 2025 | $15.5M | +19% |
| Q2 2025 | $15.6M | +24% |
| Q1 2025 | $14.1M | +16% |
| Q4 2024 | $14M | +9.3% |
CFBK's revenue has grown year over year for 10 quarters in a row: $17M last quarter, up 7.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | +27 points |
| Q2 2026 | 44% | +2.8 points |
| Q1 2026 | 40% | +0.3 points |
| Q4 2025 | 43% | +6.5 points |
| Q3 2025 | 17% | -23 points |
| Q2 2025 | 41% | +26 points |
| Q1 2025 | 40% | +8.6 points |
| Q4 2024 | 37% | -3.5 points |
CFBK 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 CFBK 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.
CFBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $8.4M | +61% |
| Q2 2026 | $5M | -36% |
| Q1 2026 | $4.6M | +115% |
| Q4 2025 | $3M | -76% |
| Q3 2025 | $5.2M | +$6.5M |
| Q2 2025 | $7.8M | +97% |
| Q1 2025 | $2.2M | +$3.3M |
| Q4 2024 | $12.4M | +56% |
CFBK 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.
CFBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.8% | +112K shares |
| 1 year | +2% | +129K shares |
| 3 years | +0.3% | +18.9K shares |
| 5 years | -2.7% | -182K shares |
| Available history | +40% | +1.8M shares |
CFBK has 6M diluted shares, up 2% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $150,000 |
| Q4 2025 | $440,000 |
| Q3 2025 | $76,000 |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | $44,000 |
| Q1 2024 | $179,000 |
| Q4 2022 | — |
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 CFBK 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.
CFBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -8.4x | Net Cash |
| Q2 2026 | -10.3x | Net Cash |
| Q1 2026 | -11.3x | Net Cash |
| Q4 2025 | -11.1x | Net Cash |
| Q3 2025 | -12.7x | Net Cash |
| Q2 2025 | -11.4x | Net Cash |
| Q1 2025 | -12.3x | Net Cash |
| Q4 2024 | -13.3x | Net Cash |
CFBK 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.
CFBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.7 | Neutral |
| Stochastic | 31.5 | Neutral |
CFBK's weekly RSI is 63 (neutral) and its Stochastic is 31 (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).
CFBK PE vs Financial Services Sector
| Metric | CFBK | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 22% below |
| PE % | 75 | 63 | 12 pts above |
CFBK 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.
CFBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $34.4 | 2.7% above |
| 20 week MA | $34.4 | 2.7% above |
| 50 week MA | $30.9 | 14% above |
| 100 week MA | $27.2 | 30% above |
| 200 week MA | $23.5 | 51% above |
CFBK 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.
CFBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.1 | $18.0 | +28% |
| 2021 | $18.0 | $21.5 | +19% |
| 2022 | $21.5 | $21.4 | -0.4% |
| 2023 | $21.4 | $19.5 | -8.8% |
| 2024 | $19.5 | $23.9 | +23% |
| 2025 | $23.9 | $25.9 | +8.2% |
| 2026 YTD | $25.9 | $35.3 | +36% |
CFBK 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.