CLBK
Columbia Financial, Inc.
CLBK 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.
CLBK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CLBK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CLBK.
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.
CLBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 16x | $11.22 | — |
| Cheap | 24x | $5.10 | -55% |
| Fair | 33x | $6.85 | -39% |
| Current | 53x | $11.22 | — |
| Expensive | 95x | $19.98 | +78% |
Historical ranges are pointers, not guarantees.
CLBK's PE is in its expensive range at 53x. If earnings grow as analysts expect, today's price would be 16x next year's earnings, in its cheap 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 CLBK in the historical PE scenario, which offers more potential upside but is not a forecast.
CLBK Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for CLBK, 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.
CLBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.70 | +233% |
| Q3 2026 | $0.21 | +200% |
| Q2 2026 | $0.26 | +767% |
| Q1 2026 | $0.25 | +$0.25 |
| Q4 2025 | $0.23 | +$0.28 |
| Q3 2025 | $0.07 | 0% |
| Q2 2025 | $0.03 | -63% |
| Q1 2025 | -$0.00 | -100% |
| Q4 2024 | -$0.05 | -131% |
CLBK's earnings per share have fallen from their peak: $0.21 over the past year, against $0.40 in late 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 CLBK on earnings, with more consistent year-over-year improvement.
CLBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $100.5M | +49% |
| Q2 2026 | $73.7M | +15% |
| Q1 2026 | $67.1M | +14% |
| Q4 2025 | $68.8M | +203% |
| Q3 2025 | $67.3M | +24% |
| Q2 2025 | $63.9M | +20% |
| Q1 2025 | $58.8M | +18% |
| Q4 2024 | $22.7M | -60% |
CLBK's revenue has grown year over year for seven quarters in a row: $100M last quarter, up 49% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 1.1% | -28 points |
| Q2 2026 | 27% | +1.3 points |
| Q1 2026 | 28% | +7.4 points |
| Q4 2025 | 29% | +146 points |
| Q3 2025 | 29% | +16 points |
| Q2 2025 | 26% | +17 points |
| Q1 2025 | 20% | +23 points |
| Q4 2024 | -118% | -131 points |
CLBK's operating margin was 1.1% last quarter, down 28 points from the same quarter a year ago, near the bottom 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 CLBK on sales, with more consistent year-over-year improvement.
| 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 CLBK on profitability, with a higher operating margin.
CLBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $47.5M | +69% |
| Q1 2026 | $1.3M | +$5.8M |
| Q4 2025 | $22M | -19% |
| Q3 2025 | $28.1M | +$59.2M |
| Q2 2025 | $12.9M | -25% |
| Q1 2025 | -$4.5M | -136% |
| Q4 2024 | $27.3M | +$62.1M |
| Q3 2024 | -$31.1M | -176% |
HOOD has the stronger cash trend. Its trailing FCF is up 1,003% versus its history, compared with CLBK at up 48%.
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.
CLBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +12% | +27.4M shares |
| 1 year | +12% | +27.2M shares |
| 3 years | +12% | +27M shares |
| 5 years | +11% | +25.1M shares |
| Available history | +4% | +9.8M shares |
CLBK has 252M diluted shares, up 12% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2025 | $10.5M |
| Q3 2025 | $2.8M |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | $4.2M |
| Q1 2024 | $1.7M |
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 CLBK 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.
CLBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2026 | 11.3x | High |
| Q4 2025 | 10.7x | High |
| Q3 2025 | 31.4x | High |
| Q2 2025 | 52.4x | High |
| Q1 2025 | 108.8x | High |
| Q3 2024 | 39.8x | High |
| Q2 2024 | 39.1x | High |
| Q1 2024 | 38.4x | High |
CLBK's net debt is about 11 years of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CLBK.
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.
CLBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.2 | Neutral |
| Stochastic | 40.9 | Neutral |
CLBK's weekly RSI is 63 (neutral) and its Stochastic is 41 (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).
CLBK PE vs Financial Services Sector
| Metric | CLBK | Sector median | Relative |
|---|---|---|---|
| PE | 53x | 13x | 309% above |
| PE % | 79 | 63 | 16 pts above |
CLBK is trading at 53x earnings, a 309% premium to the Financial Services sector's median of 13x.
HOOD PE vs Financial Services Sector
| Metric | HOOD | Sector median | Relative |
|---|---|---|---|
| PE | 38x | 13x | 189% above |
| PE % | 22 | 66 | 44 pts below |
HOOD has the edge over CLBK on valuation relative to its sector.
CLBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $11.1 | 1.5% above |
| 20 week MA | $11.0 | 1.6% above |
| 50 week MA | $9.34 | 20% above |
| 100 week MA | $8.06 | 39% above |
| 200 week MA | $7.97 | 41% above |
CLBK 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.
CLBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $7.82 | $6.97 | -11% |
| 2021 | $6.97 | $9.40 | +35% |
| 2022 | $9.40 | $9.76 | +3.8% |
| 2023 | $9.76 | $8.76 | -10% |
| 2024 | $8.76 | $7.19 | -18% |
| 2025 | $7.19 | $7.33 | +1.9% |
| 2026 YTD | $7.33 | $11.2 | +53% |
CLBK 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.