CZNC
Citizens & Northern Corporation
CZNC has lower modeled downside risk, despite its lower overall score.
HOOD
Robinhood Markets, Inc.
HOOD has a slight edge over CZNC overall, supported by stronger valuation and stronger modeled upside.
CZNC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CZNC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CZNC.
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.
CZNC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 10x | $28.02 | — |
| Cheap | 11x | $23.17 | -17% |
| Fair | 13x | $26.50 | -5.4% |
| Current | 14x | $28.02 | — |
| Expensive | 16x | $32.44 | +16% |
Historical ranges are pointers, not guarantees.
CZNC has the edge over HOOD in the historical PE scenario, which offers more potential upside but is not a forecast.
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's PE is in its cheap range at 38x. If earnings grow as analysts expect, today's price would be 30x next year's earnings.
CZNC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect CZNC'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 CZNC on the outlook, with more favorable revenue expectations.
CZNC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.76 | +37% |
| Q3 2026 | $2.02 | +15% |
| Q2 2026 | $1.52 | -13% |
| Q1 2026 | $1.13 | -35% |
| Q4 2025 | $1.52 | -10% |
| Q3 2025 | $1.76 | +22% |
| Q2 2025 | $1.75 | +14% |
| Q1 2025 | $1.75 | +15% |
| Q4 2024 | $1.69 | +7.6% |
CZNC earned $2.02 per share over the past year, up 15% 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 CZNC on earnings, with more consistent year-over-year improvement.
CZNC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $39.6M | +34% |
| Q2 2026 | $39.4M | +35% |
| Q1 2026 | $36.6M | +36% |
| Q4 2025 | $36.9M | +32% |
| Q3 2025 | $29.6M | +8.3% |
| Q2 2025 | $29.3M | +7.3% |
| Q1 2025 | $27M | +4.9% |
| Q4 2024 | $28M | +11% |
CZNC's revenue has grown year over year for 10 quarters in a row: $40M last quarter, up 34% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 52% | +25 points |
| Q2 2026 | 44% | +19 points |
| Q1 2026 | 0.9% | -28 points |
| Q4 2025 | 15% | -22 points |
| Q3 2025 | 27% | -1.5 points |
| Q2 2025 | 26% | -1.7 points |
| Q1 2025 | 29% | +3.4 points |
| Q4 2024 | 36% | +13 points |
CZNC 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 CZNC 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's operating margin was 44% last quarter, down 5.9 points from the same quarter a year ago.
CZNC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $18M | +65% |
| Q2 2026 | $15.3M | +90% |
| Q1 2026 | $8.5M | +713% |
| Q4 2025 | $10.1M | -14% |
| Q3 2025 | $10.9M | +69% |
| Q2 2025 | $8M | +0.7% |
| Q1 2025 | $1M | -79% |
| Q4 2024 | $11.7M | +71% |
CZNC 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.
CZNC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +21.5K shares |
| 1 year | +16% | +2.4M shares |
| 3 years | +17% | +2.6M shares |
| 5 years | +13% | +2.1M shares |
| Available history | +34% | +4.5M shares |
CZNC has 18M diluted shares, up 16% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2021 | $1.5M |
| Q1 2021 | $157,000 |
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | $163,000 |
| Q4 2019 | — |
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 CZNC 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.
CZNC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.5x | Net Cash |
| Q2 2026 | -1.3x | Net Cash |
| Q1 2026 | -0.1x | Net Cash |
| Q4 2025 | 0.7x | Very low |
| Q3 2025 | -2.3x | Net Cash |
| Q2 2025 | -1.7x | Net Cash |
| Q1 2025 | -2.1x | Net Cash |
| Q4 2024 | -2.5x | Net Cash |
CZNC 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.
CZNC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 71.4 | Overbought |
| Stochastic | 80.4 | Overbought |
CZNC's weekly RSI is 71 (overbought) and its Stochastic is 80 (overbought).
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).
CZNC PE vs Financial Services Sector
| Metric | CZNC | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 6.6% above |
| PE % | 64 | 63 | 1 pt above |
CZNC 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.
CZNC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $26.7 | 5% above |
| 20 week MA | $25.7 | 9.1% above |
| 50 week MA | $23.5 | 19% above |
| 100 week MA | $21.5 | 30% above |
| 200 week MA | $20.6 | 36% above |
CZNC 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.
CZNC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $27.4 | $19.2 | -30% |
| 2021 | $19.2 | $26.1 | +36% |
| 2022 | $26.1 | $23.3 | -11% |
| 2023 | $23.3 | $22.4 | -3.9% |
| 2024 | $22.4 | $18.5 | -17% |
| 2025 | $18.5 | $20.6 | +11% |
| 2026 YTD | $20.6 | $28.0 | +36% |
CZNC 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.