CVBF
CVB Financial Corp.
CVBF has a slight edge over HOOD overall, supported by lower modeled downside.
HOOD
Robinhood Markets, Inc.
HOOD offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
CVBF Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
CVBF's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CVBF.
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.
CVBF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $17.13 | -24% |
| Forward | 12x | $22.48 | — |
| Fair | 14x | $20.54 | -8.6% |
| Expensive | 15x | $23.56 | +4.8% |
| Current | 15x | $22.48 | — |
Historical ranges are pointers, not guarantees.
CVBF's PE is in its expensive range at 15x. If earnings grow as analysts expect, today's price would be 12x 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 CVBF in the historical PE scenario, which offers more potential upside but is not a forecast.
CVBF Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for CVBF, 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.
CVBF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.92 | +26% |
| Q3 2026 | $1.52 | +3.4% |
| Q2 2026 | $1.46 | 0% |
| Q1 2026 | $1.54 | +6.2% |
| Q4 2025 | $1.52 | +5.6% |
| Q3 2025 | $1.47 | +2.8% |
| Q2 2025 | $1.46 | -1.4% |
| Q1 2025 | $1.45 | -4.6% |
| Q4 2024 | $1.44 | -9.4% |
CVBF earned $1.52 per share over the past year, up 3.4% 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 CVBF on earnings, with more consistent year-over-year improvement.
CVBF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $195.6M | +52% |
| Q2 2026 | $179.4M | +42% |
| Q1 2026 | $132.1M | +4.3% |
| Q4 2025 | $133.9M | +8.4% |
| Q3 2025 | $128.6M | +1.7% |
| Q2 2025 | $126.4M | +0.9% |
| Q1 2025 | $126.7M | +0.1% |
| Q4 2024 | $123.5M | -11% |
CVBF's revenue has grown year over year for seven quarters in a row: $196M last quarter, up 52% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 54% | +0.6 points |
| Q2 2026 | 36% | -18 points |
| Q1 2026 | 52% | -3 points |
| Q4 2025 | 56% | +0.5 points |
| Q3 2025 | 54% | +0.2 points |
| Q2 2025 | 54% | -0.4 points |
| Q1 2025 | 55% | +2.1 points |
| Q4 2024 | 55% | +1.2 points |
CVBF has the edge over HOOD on profitability, with a higher operating margin.
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 CVBF 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's operating margin was 44% last quarter, down 5.9 points from the same quarter a year ago.
CVBF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $137.8M | +71% |
| Q2 2026 | $387.4M | +641% |
| Q1 2026 | $61.2M | +49% |
| Q4 2025 | $43.2M | -41% |
| Q3 2025 | $80.7M | +15% |
| Q2 2025 | $52.3M | +114% |
| Q1 2025 | $41.2M | -47% |
| Q4 2024 | $72.8M | +55% |
CVBF 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.
CVBF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +4.8% | +8M shares |
| 1 year | +28% | +38M shares |
| 3 years | +26% | +36.7M shares |
| 5 years | +29% | +39.8M shares |
| Available history | +25% | +35.2M shares |
CVBF has 175M diluted shares, up 28% from a year ago, despite $56M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $17.6M |
| Q2 2026 | $2.1M |
| Q1 2026 | $3.1M |
| Q4 2025 | $33.8M |
| Q3 2025 | $6.1M |
| Q2 2025 | $22.5M |
| Q1 2025 | $18.7M |
| Q4 2024 | $193,000 |
CVBF spent $56M buying back its own shares over the past year, up 19% from 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 CVBF 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.
CVBF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.0x | Very low |
| Q2 2026 | -1.9x | Net Cash |
| Q1 2026 | 0.2x | Very low |
| Q4 2025 | 0.4x | Very low |
| Q3 2025 | 21.0x | High |
| Q2 2025 | 20.7x | High |
| Q1 2025 | -0.1x | Net Cash |
| Q4 2024 | 2.8x | Moderate |
CVBF's net debt is about a year 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 CVBF.
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 CVBF on leverage, with a lower net debt burden relative to earnings.
CVBF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.6 | Neutral |
| Stochastic | 56.7 | Neutral |
CVBF's weekly RSI is 55 (neutral) and its Stochastic is 57 (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).
CVBF PE vs Financial Services Sector
| Metric | CVBF | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 14% above |
| PE % | 70 | 63 | 7 pts above |
CVBF 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.
CVBF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $22.4 | 0.5% above |
| 20 week MA | $22.5 | 0.2% below |
| 50 week MA | $21.0 | 7% above |
| 100 week MA | $20.2 | 11% above |
| 200 week MA | $19.1 | 18% above |
CVBF 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.
CVBF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $21.5 | $19.6 | -8.8% |
| 2021 | $19.6 | $21.5 | +9.6% |
| 2022 | $21.5 | $26.2 | +22% |
| 2023 | $26.2 | $20.2 | -23% |
| 2024 | $20.2 | $22.0 | +8.7% |
| 2025 | $22.0 | $19.6 | -11% |
| 2026 YTD | $19.6 | $22.5 | +15% |
CVBF 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.