CFR
Cullen/Frost Bankers, Inc.
CFR has lower modeled downside risk, despite its lower overall score.
HOOD
Robinhood Markets, Inc.
HOOD has a slight edge over CFR overall, supported by stronger valuation and stronger modeled upside.
CFR Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CFR'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 CFR.
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.
CFR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 12x | $126 | -20% |
| Forward | 13x | $158 | — |
| Fair | 14x | $152 | -4% |
| Current | 15x | $158 | — |
| Expensive | 19x | $207 | +31% |
Historical ranges are pointers, not guarantees.
CFR's PE is 15x, but its earnings don't support one, so it isn't a reliable read right now.
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 CFR in the historical PE scenario, which offers more potential upside but is not a forecast.
CFR Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for CFR, 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.
CFR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $11.91 | +11% |
| Q3 2026 | $10.75 | +11% |
| Q2 2026 | $10.58 | +14% |
| Q1 2026 | $10.27 | +13% |
| Q4 2025 | $9.92 | +12% |
| Q3 2025 | $9.72 | +21% |
| Q2 2025 | $9.29 | +13% |
| Q1 2025 | $9.11 | +7.7% |
| Q4 2024 | $8.87 | -2.5% |
CFR earned $10.75 per share over the past year, up 11% from the year before. Its recent earnings include one-off gains.
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 earned $2.16 per share over the past year, down 10% from the year before.
CFR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $603.8M | +6.4% |
| Q2 2026 | $576M | +5.3% |
| Q1 2026 | $574.8M | +6.4% |
| Q4 2025 | $580.9M | +8.3% |
| Q3 2025 | $567.3M | +9.5% |
| Q2 2025 | $546.9M | +7.7% |
| Q1 2025 | $540.2M | +7.7% |
| Q4 2024 | $536.3M | +6.9% |
CFR's revenue has grown year over year for 10 quarters in a row: $604M last quarter, up 6.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 36% | -1.1 points |
| Q2 2026 | 36% | +1.4 points |
| Q1 2026 | 35% | +2.1 points |
| Q4 2025 | 34% | -0.2 points |
| Q3 2025 | 37% | +2.8 points |
| Q2 2025 | 34% | -0.4 points |
| Q1 2025 | 33% | +0.9 points |
| Q4 2024 | 34% | +10 points |
CFR's operating margin was 36% last quarter, down 1.1 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 CFR 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 CFR on profitability, with a higher operating margin.
CFR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $248.7M | +17% |
| Q2 2026 | -$7.1M | -106% |
| Q1 2026 | $198.7M | +$535.8M |
| Q4 2025 | $138.2M | +419% |
| Q3 2025 | $211.7M | -25% |
| Q2 2025 | $114.5M | +11% |
| Q1 2025 | -$337.1M | -175% |
| Q4 2024 | $26.7M | +$150.2M |
CFR's free cash flow was $578M over the past year, more than ten times what it generated the year before. Free cash flow isn't a meaningful measure for financial services companies like CFR.
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.
CFR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -338K shares |
| 1 year | -3.1% | -2M shares |
| 3 years | -3.3% | -2.1M shares |
| 5 years | -3.1% | -2M shares |
| Available history | -2.1% | -1.3M shares |
CFR has the edge over HOOD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $15.2M |
| Q2 2026 | $90.9M |
| Q1 2026 | $72.3M |
| Q4 2025 | $85.4M |
| Q3 2025 | $69.8M |
| Q2 2025 | $76,000 |
| Q1 2025 | $2.6M |
| Q4 2024 | $8.6M |
CFR spent $264M buying back its own shares over the past year, about three times what it spent 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 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.
CFR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.7x | Net Cash |
| Q2 2026 | -0.7x | Net Cash |
| Q1 2026 | -0.6x | Net Cash |
| Q4 2025 | -0.7x | Net Cash |
| Q3 2025 | -0.6x | Net Cash |
| Q2 2025 | -0.8x | Net Cash |
| Q1 2025 | -0.8x | Net Cash |
| Q4 2024 | -0.8x | Net Cash |
CFR has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CFR.
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 CFR on leverage, with a lower net debt burden relative to earnings.
CFR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.7 | Neutral |
| Stochastic | 44.9 | Neutral |
CFR's weekly RSI is 55 (neutral) and its Stochastic is 45 (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).
CFR PE vs Financial Services Sector
| Metric | CFR | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 13% above |
| PE % | 56 | 63 | 7 pts below |
CFR 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.
CFR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $155.7 | 1.4% above |
| 20 week MA | $159.8 | 1.2% below |
| 50 week MA | $146.8 | 7.5% above |
| 100 week MA | $137.4 | 15% above |
| 200 week MA | $123.3 | 28% above |
CFR 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.
CFR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $98.0 | $87.5 | -11% |
| 2021 | $87.5 | $125.5 | +43% |
| 2022 | $125.5 | $131.7 | +5% |
| 2023 | $131.7 | $108.5 | -18% |
| 2024 | $108.5 | $135.2 | +25% |
| 2025 | $135.2 | $128.6 | -4.9% |
| 2026 YTD | $128.6 | $157.8 | +23% |
CFR 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.