CUBI
Customers Bancorp, Inc.
CUBI has a slight edge over HOOD overall, supported by stronger fundamentals and lower modeled downside.
HOOD
Robinhood Markets, Inc.
HOOD offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
CUBI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CUBI'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 CUBI.
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.
CUBI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.1x | $34.22 | -60% |
| Fair | 7.7x | $64.40 | -24% |
| Forward | 9x | $85.20 | — |
| Current | 10x | $85.20 | — |
| Expensive | 13x | $105 | +23% |
Historical ranges are pointers, not guarantees.
CUBI's PE is in its expensive range at 10x. If earnings grow as analysts expect, today's price would be 9.0x next year's earnings, in its fair 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 CUBI in the historical PE scenario, which offers more potential upside but is not a forecast.
CUBI Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for CUBI, 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.
CUBI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $9.51 | +14% |
| Q3 2026 | $8.31 | +68% |
| Q2 2026 | $8.26 | +104% |
| Q1 2026 | $7.94 | +99% |
| Q4 2025 | $6.26 | +23% |
| Q3 2025 | $4.94 | -20% |
| Q2 2025 | $4.05 | -46% |
| Q1 2025 | $3.98 | -44% |
| Q4 2024 | $5.09 | -30% |
CUBI earned $8.31 per share over the past year, up 68% 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 CUBI on earnings, with more consistent year-over-year improvement.
CUBI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $239.4M | +3.2% |
| Q2 2026 | $227.4M | +10% |
| Q1 2026 | $225.7M | +58% |
| Q4 2025 | $236.9M | +42% |
| Q3 2025 | $232.1M | +39% |
| Q2 2025 | $206.3M | +3.8% |
| Q1 2025 | $143M | -21% |
| Q4 2024 | $167.4M | -12% |
CUBI's revenue has grown year over year for six quarters in a row: $239M last quarter, up 3.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 42% | -1.2 points |
| Q2 2026 | 39% | +1.1 points |
| Q1 2026 | 40% | +32 points |
| Q4 2025 | 41% | +20 points |
| Q3 2025 | 43% | +16 points |
| Q2 2025 | 38% | -0.6 points |
| Q1 2025 | 8.3% | -28 points |
| Q4 2024 | 21% | -23 points |
CUBI's operating margin was 42% last quarter, down 1.2 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 CUBI 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 CUBI on profitability, with a higher operating margin.
CUBI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $56.1M | -47% |
| Q2 2026 | $106.1M | -35% |
| Q1 2026 | $35M | -63% |
| Q4 2025 | $119.1M | -10% |
| Q3 2025 | $106.4M | +341% |
| Q2 2025 | $162.1M | +2715% |
| Q1 2025 | $93.4M | +$112.7M |
| Q4 2024 | $132.9M | +$251.3M |
CUBI's free cash flow was $316M over the past year, down 36% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CUBI.
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 has the edge over CUBI on cash flow, with more consistent year-over-year improvement.
CUBI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.3% | -113K shares |
| 1 year | +4% | +1.3M shares |
| 3 years | +8.1% | +2.6M shares |
| 5 years | +2.7% | +925K shares |
| Available history | +9.9% | +3.1M shares |
CUBI has 35M diluted shares, up 4% from a year ago, despite $88M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $38.3M |
| Q2 2026 | $6.7M |
| Q1 2026 | $42.7M |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | $5.6M |
| Q4 2024 | $1M |
CUBI spent $88M 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 CUBI 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.
CUBI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.8x | Net Cash |
| Q2 2026 | -4.4x | Net Cash |
| Q1 2026 | -7.1x | Net Cash |
| Q4 2025 | -12.2x | Net Cash |
| Q3 2025 | -10.2x | Net Cash |
| Q2 2025 | -9.3x | Net Cash |
| Q1 2025 | -9.5x | Net Cash |
| Q4 2024 | -9.2x | Net Cash |
CUBI 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.
CUBI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.9 | Neutral |
| Stochastic | 75.0 | Neutral |
CUBI's weekly RSI is 62 (neutral) and its Stochastic is 75 (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).
CUBI PE vs Financial Services Sector
| Metric | CUBI | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 21% below |
| PE % | 79 | 63 | 16 pts above |
CUBI 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.
CUBI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $80.0 | 6.5% above |
| 20 week MA | $79.5 | 7.2% above |
| 50 week MA | $76.2 | 12% above |
| 100 week MA | $66.9 | 27% above |
| 200 week MA | $54.4 | 57% above |
CUBI 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.
CUBI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $23.7 | $17.9 | -24% |
| 2021 | $17.9 | $63.0 | +251% |
| 2022 | $63.0 | $28.3 | -55% |
| 2023 | $28.3 | $57.6 | +104% |
| 2024 | $57.6 | $48.3 | -16% |
| 2025 | $48.3 | $75.7 | +57% |
| 2026 YTD | $75.7 | $85.2 | +13% |
CUBI 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.