FNLC
The First Bancorp, Inc.
FNLC has lower modeled downside risk, despite its lower overall score.
HOOD
Robinhood Markets, Inc.
HOOD has the edge over FNLC overall, supported by stronger valuation and stronger modeled upside.
FNLC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
FNLC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FNLC.
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.
FNLC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.4x | $29.66 | -19% |
| Fair | 9.5x | $33.20 | -9.7% |
| Current | 10x | $36.78 | — |
| Expensive | 11x | $37.71 | +2.5% |
Historical ranges are pointers, not guarantees.
FNLC 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.
FNLC Forward outlook
There aren't enough analyst estimates for FNLC 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.
FNLC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $3.51 | +24% |
| Q2 2026 | $3.37 | +25% |
| Q1 2026 | $3.24 | +29% |
| Q4 2025 | $3.07 | +26% |
| Q3 2025 | $2.82 | +19% |
| Q2 2025 | $2.69 | +14% |
| Q1 2025 | $2.52 | +1.6% |
| Q4 2024 | $2.43 | -8.6% |
FNLC earned $3.51 per share over the past year, up 24% 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.
FNLC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $27.5M | +12% |
| Q2 2026 | $25.8M | +15% |
| Q1 2026 | $25.1M | +15% |
| Q4 2025 | $25.8M | +18% |
| Q3 2025 | $24.5M | +20% |
| Q2 2025 | $22.5M | +17% |
| Q1 2025 | $21.8M | +18% |
| Q4 2024 | $22M | +10% |
FNLC's revenue has grown year over year for nine quarters in a row: $27M last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 47% | +2 points |
| Q2 2026 | 45% | +0.9 points |
| Q1 2026 | 43% | +4.1 points |
| Q4 2025 | 48% | +8.7 points |
| Q3 2025 | 45% | +0.5 points |
| Q2 2025 | 44% | +4.9 points |
| Q1 2025 | 39% | 0 points |
| Q4 2024 | 39% | -1.1 points |
FNLC 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 FNLC 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.
FNLC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $9.5M | -24% |
| Q2 2026 | -$13.2M | -282% |
| Q1 2026 | $22.2M | +2587% |
| Q4 2025 | $13.9M | +34% |
| Q3 2025 | $12.6M | +31% |
| Q2 2025 | $7.2M | +14% |
| Q1 2025 | $828K | +$2.7M |
| Q4 2024 | $10.4M | +0.8% |
FNLC 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.
FNLC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +6.3K shares |
| 1 year | +0.6% | +71.3K shares |
| 3 years | +1.8% | +196K shares |
| 5 years | +2.7% | +292K shares |
| Available history | +3.6% | +394K shares |
FNLC has 11M diluted shares, up 0.6% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $27,000 |
| Q2 2026 | $21,000 |
| Q1 2026 | $278,000 |
| Q4 2025 | $2,000 |
| Q3 2025 | $9,000 |
| Q2 2025 | $2,000 |
| Q1 2025 | $277,000 |
| Q4 2024 | — |
FNLC has spent almost nothing on buybacks in the past year.
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 FNLC 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.
FNLC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.3x | Moderate |
| Q2 2026 | 3.8x | Elevated |
| Q1 2026 | 3.7x | Elevated |
| Q4 2025 | 3.6x | Elevated |
| Q3 2025 | 3.0x | Elevated |
| Q2 2025 | 4.4x | High |
| Q1 2025 | 4.4x | High |
| Q4 2024 | 3.4x | Elevated |
FNLC's net debt is about 2.3 years of its operating earnings (EBITDA), down from 3.0 years a year ago. Net leverage isn't a meaningful measure for financial services companies like FNLC.
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 FNLC on leverage, with a lower net debt burden relative to earnings.
FNLC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 66.9 | Neutral |
| Stochastic | 75.5 | Neutral |
FNLC's weekly RSI is 67 (neutral) and its Stochastic is 75 (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).
FNLC PE vs Financial Services Sector
| Metric | FNLC | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 20% below |
| PE % | 78 | 63 | 15 pts above |
FNLC 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.
FNLC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $35.2 | 4.4% above |
| 20 week MA | $35.0 | 5% above |
| 50 week MA | $31.1 | 18% above |
| 100 week MA | $28.3 | 30% above |
| 200 week MA | $26.9 | 37% above |
FNLC 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.
FNLC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $30.3 | $24.8 | -18% |
| 2021 | $24.8 | $30.7 | +24% |
| 2022 | $30.7 | $29.8 | -2.9% |
| 2023 | $29.8 | $28.2 | -5.2% |
| 2024 | $28.2 | $27.1 | -4.1% |
| 2025 | $27.1 | $26.9 | -0.8% |
| 2026 YTD | $26.9 | $36.8 | +37% |
FNLC 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.