CZWI
Citizens Community Bancorp, Inc.
CZWI has lower modeled downside risk, despite its lower overall score.
HOOD
Robinhood Markets, Inc.
HOOD has the edge over CZWI overall, supported by stronger valuation and stronger modeled upside.
CZWI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CZWI'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 CZWI.
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.
CZWI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.9x | $10.36 | -56% |
| Fair | 9.1x | $13.62 | -42% |
| Expensive | 13x | $19.92 | -15% |
| Current | 16x | $23.44 | — |
Historical ranges are pointers, not guarantees.
CZWI's PE is in its expensive range at 16x.
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 CZWI in the historical PE scenario, which offers more potential upside but is not a forecast.
CZWI Forward outlook
There aren't enough analyst estimates for CZWI to show an outlook.
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.
CZWI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.50 | +15% |
| Q2 2026 | $1.31 | +4.8% |
| Q1 2026 | $1.53 | +20% |
| Q4 2025 | $1.46 | +9% |
| Q3 2025 | $1.30 | -7.8% |
| Q2 2025 | $1.25 | -6% |
| Q1 2025 | $1.27 | -1.6% |
| Q4 2024 | $1.34 | +7.2% |
CZWI earned $1.50 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 CZWI on earnings, with more consistent year-over-year improvement.
CZWI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $17.4M | +7% |
| Q2 2026 | $16.1M | -0.2% |
| Q1 2026 | $16.1M | +14% |
| Q4 2025 | $15.8M | +15% |
| Q3 2025 | $16.2M | +14% |
| Q2 2025 | $16.1M | +20% |
| Q1 2025 | $14.2M | -6.5% |
| Q4 2024 | $13.7M | -3.6% |
CZWI's revenue has picked up after two years of holding roughly level: $17M last quarter, up 7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 38% | +10 points |
| Q2 2026 | 7.7% | -17 points |
| Q1 2026 | 29% | +0.7 points |
| Q4 2025 | 31% | +6.5 points |
| Q3 2025 | 28% | -1.5 points |
| Q2 2025 | 25% | -9.9 points |
| Q1 2025 | 28% | -6.2 points |
| Q4 2024 | 24% | -8.3 points |
CZWI's operating margin was 38% last quarter, up 10 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 CZWI 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 CZWI on profitability, with a higher operating margin.
CZWI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $5.1M | -18% |
| Q2 2026 | $6.4M | +$7.1M |
| Q1 2026 | $3.4M | +125% |
| Q4 2025 | $3.3M | +39% |
| Q3 2025 | $6.2M | +87% |
| Q2 2025 | -$632K | -113% |
| Q1 2025 | $1.5M | -83% |
| Q4 2024 | $2.4M | -30% |
CZWI's free cash flow was $18M over the past year, up 92% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CZWI.
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 CZWI on cash flow, with more consistent year-over-year improvement.
CZWI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -10K shares |
| 1 year | -2.9% | -284K shares |
| 3 years | -8% | -833K shares |
| 5 years | -11% | -1.3M shares |
| Available history | -13% | -1.5M shares |
CZWI has the edge over HOOD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.5M |
| Q4 2025 | $4M |
| Q3 2025 | $2M |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | $1.4M |
| Q3 2024 | $2.9M |
| Q2 2024 | $1.2M |
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.
CZWI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.2x | Net Cash |
| Q2 2026 | -4.0x | Net Cash |
| Q1 2026 | -4.7x | Net Cash |
| Q4 2025 | -3.3x | Net Cash |
| Q3 2025 | -1.9x | Net Cash |
| Q2 2025 | -0.3x | Net Cash |
| Q1 2025 | -2.0x | Net Cash |
| Q4 2024 | 0.6x | Very low |
CZWI 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.
CZWI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 66.1 | Neutral |
| Stochastic | 78.7 | Neutral |
CZWI's weekly RSI is 66 (neutral) and its Stochastic is 79 (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).
CZWI PE vs Financial Services Sector
| Metric | CZWI | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 20% above |
| PE % | 92 | 63 | 29 pts above |
CZWI 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.
CZWI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $22.1 | 6.2% above |
| 20 week MA | $22.1 | 6.1% above |
| 50 week MA | $20.5 | 14% above |
| 100 week MA | $17.9 | 31% above |
| 200 week MA | $14.7 | 59% above |
CZWI 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.
CZWI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $12.3 | $11.0 | -10% |
| 2021 | $11.0 | $13.8 | +25% |
| 2022 | $13.8 | $11.8 | -14% |
| 2023 | $11.8 | $11.7 | -0.4% |
| 2024 | $11.7 | $16.5 | +41% |
| 2025 | $16.5 | $18.0 | +8.9% |
| 2026 YTD | $18.0 | $23.4 | +31% |
CZWI 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.