ECBK
ECB Bancorp, Inc.
ECBK has the edge over HOOD overall, supported by stronger fundamentals and lower modeled downside.
HOOD
Robinhood Markets, Inc.
HOOD offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
ECBK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
ECBK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like ECBK.
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.
ECBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 14x | $20.45 | — |
| Cheap | 18x | $26.66 | +30% |
| Fair | 25x | $37.12 | +82% |
| Expensive | 39x | $58.32 | +185% |
Historical ranges are pointers, not guarantees.
ECBK 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.
ECBK Forward outlook
There aren't enough analyst estimates for ECBK 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.
ECBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.49 | +86% |
| Q2 2026 | $1.38 | +112% |
| Q1 2026 | $1.16 | +104% |
| Q4 2025 | $0.94 | +96% |
| Q3 2025 | $0.80 | +111% |
| Q2 2025 | $0.65 | +63% |
| Q1 2025 | $0.57 | +19% |
| Q4 2024 | $0.48 | -7.7% |
ECBK earned $1.49 per share over the past year, up 86% 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.
ECBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $11.1M | +26% |
| Q2 2026 | $10.3M | +29% |
| Q1 2026 | $10.2M | +47% |
| Q4 2025 | $9.5M | +34% |
| Q3 2025 | $8.8M | +33% |
| Q2 2025 | $8M | +27% |
| Q1 2025 | $6.9M | +11% |
| Q4 2024 | $7.1M | +15% |
ECBK's revenue has grown year over year for nine quarters in a row: $11M last quarter, up 26% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 42% | +4.6 points |
| Q2 2026 | 43% | +19 points |
| Q1 2026 | 42% | +17 points |
| Q4 2025 | 37% | +9.4 points |
| Q3 2025 | 37% | +14 points |
| Q2 2025 | 24% | +7 points |
| Q1 2025 | 25% | +12 points |
| Q4 2024 | 27% | +10 points |
ECBK's operating margin was 42% last quarter, up 4.6 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 ECBK 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 has the edge over ECBK on profitability, with a higher operating margin.
ECBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.4M | -13% |
| Q2 2026 | $11.8M | +538% |
| Q1 2026 | $2.8M | +$3.5M |
| Q4 2025 | $3.9M | -14% |
| Q3 2025 | $4M | +359% |
| Q2 2025 | $1.8M | +37% |
| Q1 2025 | -$649K | -$200K |
| Q4 2024 | $4.5M | +77% |
ECBK's free cash flow was $22M over the past year, up 127% from the year before. Free cash flow isn't a meaningful measure for financial services companies like ECBK.
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.
ECBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.7% | +56.5K shares |
| 1 year | +1.4% | +119K shares |
| 3 years | -1.1% | -93.4K shares |
ECBK has 8M diluted shares, up 1.4% from a year ago, despite $2M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $188,000 |
| Q2 2026 | $675,000 |
| Q1 2026 | $350,000 |
| Q4 2025 | $513,000 |
| Q3 2025 | $2M |
| Q2 2025 | $1.5M |
| Q1 2025 | $673,000 |
| Q4 2024 | $902,000 |
ECBK spent $2M buying back its own shares over the past year, down 65% 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 ECBK 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.
ECBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 16.3x | High |
| Q2 2026 | 17.9x | High |
| Q1 2026 | 19.5x | High |
| Q4 2025 | 26.3x | High |
| Q3 2025 | 28.1x | High |
| Q2 2025 | 34.9x | High |
| Q1 2025 | 35.0x | High |
| Q4 2024 | 40.2x | High |
ECBK's net debt is about 16 years 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 ECBK.
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 ECBK on leverage, with a lower net debt burden relative to earnings.
ECBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.2 | Neutral |
| Stochastic | 56.6 | Neutral |
ECBK's weekly RSI is 52 (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).
ECBK PE vs Financial Services Sector
| Metric | ECBK | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 5.4% above |
| PE % | 0 | 58 | 58 pts below |
ECBK 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.
ECBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $20.9 | 1.9% below |
| 20 week MA | $20.7 | 1.1% below |
| 50 week MA | $18.9 | 8% above |
| 100 week MA | $17.3 | 18% above |
| 200 week MA | $15.2 | 35% above |
ECBK 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.
ECBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2022 | $14.0 | $16.1 | +15% |
| 2023 | $16.1 | $12.6 | -22% |
| 2024 | $12.6 | $14.9 | +19% |
| 2025 | $14.9 | $17.3 | +16% |
| 2026 YTD | $17.3 | $20.5 | +18% |
ECBK 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.