CPF
Central Pacific Financial Corp.
CPF has the 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.
CPF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CPF'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 CPF.
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.
CPF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $25.30 | -35% |
| Fair | 11x | $37.54 | -3.3% |
| Forward | 11x | $38.81 | — |
| Current | 12x | $38.81 | — |
| Expensive | 14x | $45.56 | +17% |
Historical ranges are pointers, not guarantees.
CPF's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 11x 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 CPF in the historical PE scenario, which offers more potential upside but is not a forecast.
CPF Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect CPF's earnings to grow and its profitability to improve, with its revenue holding steady.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over CPF on the outlook, with more favorable revenue expectations.
CPF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.57 | +7.8% |
| Q3 2026 | $3.31 | +36% |
| Q2 2026 | $3.12 | +40% |
| Q1 2026 | $2.99 | +40% |
| Q4 2025 | $2.86 | +45% |
| Q3 2025 | $2.43 | +16% |
| Q2 2025 | $2.23 | +6.2% |
| Q1 2025 | $2.14 | +4.4% |
| Q4 2024 | $1.97 | -9.2% |
CPF earned $3.31 per share over the past year, up 36% 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 earned $2.16 per share over the past year, down 10% from the year before.
CPF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $76.8M | +2.7% |
| Q2 2026 | $77.5M | +6.4% |
| Q1 2026 | $72.9M | +6% |
| Q4 2025 | $76.3M | +31% |
| Q3 2025 | $74.8M | +12% |
| Q2 2025 | $72.8M | +14% |
| Q1 2025 | $68.8M | +12% |
| Q4 2024 | $58.4M | -12% |
CPF's revenue has grown year over year for seven quarters in a row: $77M last quarter, up 2.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | +7.7 points |
| Q2 2026 | 35% | +1.9 points |
| Q1 2026 | 37% | +4.1 points |
| Q4 2025 | 37% | +14 points |
| Q3 2025 | 32% | +6 points |
| Q2 2025 | 33% | +0.5 points |
| Q1 2025 | 33% | +5.2 points |
| Q4 2024 | 23% | -5.9 points |
CPF's operating margin was 39% last quarter, up 7.7 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 CPF 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 CPF on profitability, with a higher operating margin.
CPF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $28.1M | +31% |
| Q2 2026 | $41M | +27% |
| Q1 2026 | $17.3M | -12% |
| Q4 2025 | $19.1M | -23% |
| Q3 2025 | $21.4M | +37% |
| Q2 2025 | $32.3M | +52% |
| Q1 2025 | $19.6M | +42% |
| Q4 2024 | $24.8M | +24% |
CPF 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.
CPF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.1% | -292K shares |
| 1 year | -4.7% | -1.3M shares |
| 3 years | -4.7% | -1.3M shares |
| 5 years | -8.4% | -2.4M shares |
| Available history | -10% | -2.9M shares |
CPF has the edge over HOOD on shareholder dilution, with a more favorable share count trend.
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.
CPF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | -0.2x | Net Cash |
| Q1 2026 | -0.1x | Net Cash |
| Q4 2025 | -0.1x | Net Cash |
| Q3 2025 | 0.3x | Very low |
| Q2 2025 | 0.2x | Very low |
| Q1 2025 | 0.3x | Very low |
| Q4 2024 | 1.1x | Healthy |
CPF has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CPF.
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 CPF on leverage, with a lower net debt burden relative to earnings.
CPF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.8 | Neutral |
| Stochastic | 61.2 | Neutral |
CPF's weekly RSI is 62 (neutral) and its Stochastic is 61 (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).
CPF PE vs Financial Services Sector
| Metric | CPF | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 9.9% below |
| PE % | 53 | 63 | 10 pts below |
CPF 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.
CPF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $37.3 | 4.1% above |
| 20 week MA | $37.9 | 2.3% above |
| 50 week MA | $35.1 | 11% above |
| 100 week MA | $31.6 | 23% above |
| 200 week MA | $26.2 | 48% above |
CPF 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.
CPF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $29.7 | $19.0 | -36% |
| 2021 | $19.0 | $27.7 | +46% |
| 2022 | $27.7 | $19.8 | -29% |
| 2023 | $19.8 | $19.7 | -0.4% |
| 2024 | $19.7 | $28.8 | +46% |
| 2025 | $28.8 | $32.2 | +12% |
| 2026 YTD | $32.2 | $38.8 | +20% |
CPF 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.