EFSI
Eagle Financial Services, Inc.
EFSI has lower modeled downside risk, despite its lower overall score.
HOOD
Robinhood Markets, Inc.
HOOD has the edge over EFSI overall, supported by stronger valuation and stronger modeled upside.
EFSI Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
EFSI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like EFSI.
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.
EFSI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9x | $29.71 | -35% |
| Fair | 10x | $34.48 | -25% |
| Expensive | 13x | $42.55 | -7.5% |
| Forward | 13x | $46.00 | — |
| Current | 14x | $46.00 | — |
Historical ranges are pointers, not guarantees.
EFSI's PE is in its expensive range at 14x. On analysts' estimates for next year's earnings, today's price would be 13x.
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 EFSI in the historical PE scenario, which offers more potential upside but is not a forecast.
EFSI Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Stable | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect EFSI's revenue to grow, but its profitability to weaken.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over EFSI on the outlook, with more favorable valuation and earnings expectations.
EFSI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.42 | +3.8% |
| Q3 2026 | $3.30 | +48% |
| Q2 2026 | $3.46 | +60% |
| Q1 2026 | $3.52 | +70% |
| Q4 2025 | $1.30 | -70% |
| Q3 2025 | $2.23 | -32% |
| Q2 2025 | $2.16 | -27% |
| Q1 2025 | $2.07 | -22% |
| Q4 2024 | $4.32 | +62% |
EFSI earned $3.30 per share over the past year, up 48% 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 EFSI on earnings, with more consistent year-over-year improvement.
EFSI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $22.9M | +2.5% |
| Q2 2026 | $25.6M | +24% |
| Q1 2026 | $20.8M | +336% |
| Q4 2025 | $21.7M | -1.3% |
| Q3 2025 | $22.4M | +21% |
| Q2 2025 | $20.6M | +25% |
| Q1 2025 | $4.8M | -70% |
| Q4 2024 | $22M | +38% |
EFSI's revenue has picked up after two years of holding roughly level: $23M last quarter, up 2.5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 25% | -5.8 points |
| Q2 2026 | 26% | -6.2 points |
| Q1 2026 | 22% | +211 points |
| Q4 2025 | 25% | -12 points |
| Q3 2025 | 31% | +9.3 points |
| Q2 2025 | 32% | +8.9 points |
| Q1 2025 | -189% | -208 points |
| Q4 2024 | 37% | +23 points |
EFSI's operating margin was 25% last quarter, down 5.8 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 EFSI 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 EFSI on profitability, with a higher operating margin.
EFSI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $25.4M | +225% |
| Q2 2026 | -$12.8M | -656% |
| Q1 2026 | $4.1M | -22% |
| Q4 2025 | $9M | +48% |
| Q3 2025 | $7.8M | +7.5% |
| Q2 2025 | $2.3M | +$4.5M |
| Q1 2025 | $5.3M | -21% |
| Q4 2024 | $6M | +$12M |
EFSI's free cash flow was $26M over the past year, up 20% from the year before. Free cash flow isn't a meaningful measure for financial services companies like EFSI.
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.
EFSI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -384 shares |
| 1 year | +0.7% | +35.3K shares |
| 3 years | +53% | +1.9M shares |
| 5 years | +58% | +2M shares |
| Available history | +57% | +2M shares |
EFSI has 5M diluted shares, up 0.7% from a year ago.
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 EFSI 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.
EFSI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.6x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 1.5x | Healthy |
| Q3 2025 | 1.1x | Healthy |
| Q2 2025 | 1.2x | Healthy |
| Q1 2025 | 1.7x | Healthy |
| Q4 2024 | 0.8x | Very low |
EFSI's net debt is less than a year of its operating earnings (EBITDA), down from 1.1 years a year ago. Net leverage isn't a meaningful measure for financial services companies like EFSI.
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 EFSI on leverage, with a lower net debt burden relative to earnings.
EFSI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.9 | Neutral |
| Stochastic | 70.7 | Neutral |
EFSI's weekly RSI is 63 (neutral) and its Stochastic is 71 (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).
EFSI PE vs Financial Services Sector
| Metric | EFSI | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 7.1% above |
| PE % | 86 | 63 | 23 pts above |
EFSI 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.
EFSI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $45.9 | 0.3% above |
| 20 week MA | $43.7 | 5.2% above |
| 50 week MA | $40.5 | 14% above |
| 100 week MA | $37.3 | 23% above |
| 200 week MA | $34.7 | 33% above |
EFSI 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.
EFSI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $31.1 | $29.5 | -5% |
| 2021 | $29.5 | $34.6 | +17% |
| 2022 | $34.6 | $36.0 | +4.1% |
| 2023 | $36.0 | $30.0 | -17% |
| 2024 | $30.0 | $36.4 | +21% |
| 2025 | $36.4 | $40.3 | +11% |
| 2026 YTD | $40.3 | $46.0 | +14% |
EFSI 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.