FFIN
First Financial Bankshares, Inc.
FFIN has a slight edge over HOOD overall, supported by lower modeled downside and stronger fundamentals.
HOOD
Robinhood Markets, Inc.
HOOD offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
FFIN Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
FFIN'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 FFIN.
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.
FFIN PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 14x | $30.26 | — |
| Current | 15x | $30.26 | — |
| Cheap | 18x | $37.29 | +23% |
| Fair | 23x | $47.10 | +56% |
| Expensive | 30x | $60.74 | +101% |
Historical ranges are pointers, not guarantees.
FFIN 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.
FFIN Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for FFIN, with profitability holding steady.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over FFIN on the outlook, with more favorable valuation and profitability expectations.
FFIN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.10 | +3.3% |
| Q3 2026 | $2.03 | +20% |
| Q2 2026 | $1.87 | +8.7% |
| Q1 2026 | $1.84 | +14% |
| Q4 2025 | $1.77 | +13% |
| Q3 2025 | $1.69 | +17% |
| Q2 2025 | $1.72 | +23% |
| Q1 2025 | $1.62 | +17% |
| Q4 2024 | $1.56 | +12% |
FFIN has the edge over HOOD on earnings, with more consistent year-over-year improvement.
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.
FFIN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $174.1M | +8% |
| Q2 2026 | $172.8M | +10% |
| Q1 2026 | $166.9M | +12% |
| Q4 2025 | $164.7M | +12% |
| Q3 2025 | $161.3M | +16% |
| Q2 2025 | $156.6M | +16% |
| Q1 2025 | $149M | +15% |
| Q4 2024 | $147.1M | +23% |
FFIN's revenue has grown year over year for 11 quarters in a row: $174M last quarter, up 8% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 52% | +13 points |
| Q2 2026 | 51% | -1.6 points |
| Q1 2026 | 53% | +2.2 points |
| Q4 2025 | 54% | +2.7 points |
| Q3 2025 | 39% | -9.1 points |
| Q2 2025 | 52% | +4.9 points |
| Q1 2025 | 50% | +0.4 points |
| Q4 2024 | 52% | +4.8 points |
FFIN 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 FFIN 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.
FFIN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $86.3M | +3.2% |
| Q2 2026 | $75.2M | +28% |
| Q1 2026 | $97.5M | +31% |
| Q4 2025 | $68.9M | -14% |
| Q3 2025 | $83.7M | +7.7% |
| Q2 2025 | $58.7M | -8% |
| Q1 2025 | $74.7M | +4.2% |
| Q4 2024 | $79.7M | +45% |
FFIN 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.
FFIN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +28.2K shares |
| 1 year | +0.2% | +252K shares |
| 3 years | +0.4% | +577K shares |
| 5 years | +0.4% | +508K shares |
| Available history | +5.4% | +7.4M shares |
FFIN has 144M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | $1,000 |
| Q3 2023 | $2.7M |
| Q4 2022 | — |
| Q3 2022 | $2M |
| Q4 2020 | — |
| Q3 2020 | — |
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 FFIN 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.
FFIN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | -0.7x | Net Cash |
| Q1 2026 | -0.6x | Net Cash |
| Q4 2025 | -0.6x | Net Cash |
| Q3 2025 | -0.6x | Net Cash |
| Q2 2025 | -0.6x | Net Cash |
| Q1 2025 | -0.6x | Net Cash |
| Q4 2024 | -0.0x | Net Cash |
FFIN has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like FFIN.
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 FFIN on leverage, with a lower net debt burden relative to earnings.
FFIN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 36.4 | Neutral |
| Stochastic | 14.7 | Oversold |
FFIN's weekly RSI is 36 (neutral) and its Stochastic is 15 (oversold).
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).
FFIN PE vs Financial Services Sector
| Metric | FFIN | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 0 | 63 | 63 pts below |
FFIN 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.
FFIN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $30.9 | 2.1% below |
| 20 week MA | $32.9 | 8.1% below |
| 50 week MA | $32.3 | 6.2% below |
| 100 week MA | $33.6 | 10% below |
| 200 week MA | $32.6 | 7.1% below |
FFIN is in a downtrend: it's below all five of its weekly moving averages, and 7.1% below its 200-week average.
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 the edge over FFIN on trend strength, trading above more of its moving averages.
FFIN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $35.3 | $35.8 | +1.4% |
| 2021 | $35.8 | $50.2 | +40% |
| 2022 | $50.2 | $33.7 | -33% |
| 2023 | $33.7 | $30.3 | -10% |
| 2024 | $30.3 | $36.2 | +19% |
| 2025 | $36.2 | $30.9 | -15% |
| 2026 YTD | $30.9 | $30.3 | -1.9% |
FFIN 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.