CIVB
Civista Bancshares, Inc.
CIVB has lower modeled downside risk, despite its lower overall score.
HOOD
Robinhood Markets, Inc.
HOOD has the edge over CIVB overall, supported by stronger valuation and stronger modeled upside.
CIVB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CIVB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CIVB.
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.
CIVB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.4x | $17.69 | -38% |
| Fair | 8.8x | $24.35 | -15% |
| Forward | 9.8x | $28.72 | — |
| Expensive | 10x | $28.37 | -1.2% |
| Current | 10x | $28.72 | — |
Historical ranges are pointers, not guarantees.
CIVB's PE is in its expensive range at 10x. If earnings grow as analysts expect, today's price would be 9.8x 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 CIVB in the historical PE scenario, which offers more potential upside but is not a forecast.
CIVB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CIVB, 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.
CIVB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.93 | +5.8% |
| Q3 2026 | $2.77 | +3.7% |
| Q2 2026 | $2.68 | +6.3% |
| Q1 2026 | $2.70 | +19% |
| Q4 2025 | $2.64 | +31% |
| Q3 2025 | $2.67 | +34% |
| Q2 2025 | $2.52 | +18% |
| Q1 2025 | $2.26 | -2.6% |
| Q4 2024 | $2.01 | -26% |
CIVB earned $2.77 per share over the past year, up 3.7% 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 CIVB on earnings, with more consistent year-over-year improvement.
CIVB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $49.1M | +11% |
| Q2 2026 | $47.6M | +15% |
| Q1 2026 | $47.3M | +16% |
| Q4 2025 | $46.3M | +15% |
| Q3 2025 | $44.2M | +14% |
| Q2 2025 | $41.4M | +8.1% |
| Q1 2025 | $40.6M | +10% |
| Q4 2024 | $40.4M | +3.8% |
CIVB's revenue has grown year over year for eight quarters in a row: $49M last quarter, up 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | +4.9 points |
| Q2 2026 | 36% | +4.9 points |
| Q1 2026 | 38% | +8.7 points |
| Q4 2025 | 32% | +3.6 points |
| Q3 2025 | 35% | +9.9 points |
| Q2 2025 | 31% | +10 points |
| Q1 2025 | 29% | +9.9 points |
| Q4 2024 | 28% | -0.7 points |
CIVB's operating margin was 40% last quarter, up 4.9 points from the same quarter a year ago, near the top of its range since 2019.
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 CIVB 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 CIVB on profitability, with a higher operating margin.
CIVB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $27.6M | +45% |
| Q2 2026 | $17.1M | +54% |
| Q1 2026 | $12.2M | +253% |
| Q3 2025 | $19M | +47% |
| Q2 2025 | $11.1M | -7.4% |
| Q1 2025 | $3.5M | +449% |
| Q3 2024 | $12.9M | -38% |
| Q2 2024 | $12M | -38% |
HOOD has the stronger cash trend. Its trailing FCF is up 1,003% versus its history, compared with CIVB at up 102%.
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.
CIVB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -10.5K shares |
| 1 year | +11% | +2M shares |
| 3 years | +32% | +5M shares |
| 5 years | +37% | +5.6M shares |
| Available history | +23% | +3.8M shares |
CIVB has 21M diluted shares, up 11% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $2.2M |
| Q2 2026 | — |
| Q1 2026 | $318,000 |
| Q4 2025 | $4,000 |
| Q3 2025 | $7,000 |
| Q2 2025 | — |
| Q1 2025 | $167,000 |
| Q4 2024 | — |
CIVB spent $3M buying back its own shares over the past year, more than ten 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 the edge over CIVB 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.
CIVB 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.
CIVB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.3 | Neutral |
| Stochastic | 65.3 | Neutral |
CIVB's weekly RSI is 63 (neutral) and its Stochastic is 65 (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).
CIVB PE vs Financial Services Sector
| Metric | CIVB | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 20% below |
| PE % | 85 | 63 | 22 pts above |
CIVB 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.
CIVB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $27.6 | 4% above |
| 20 week MA | $27.9 | 3% above |
| 50 week MA | $25.7 | 12% above |
| 100 week MA | $23.4 | 23% above |
| 200 week MA | $20.3 | 42% above |
CIVB 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.
CIVB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $23.9 | $16.8 | -30% |
| 2021 | $16.8 | $24.6 | +46% |
| 2022 | $24.6 | $22.1 | -10% |
| 2023 | $22.1 | $18.4 | -16% |
| 2024 | $18.4 | $21.1 | +14% |
| 2025 | $21.1 | $23.0 | +9.1% |
| 2026 YTD | $23.0 | $28.7 | +25% |
CIVB 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.