FSBC
Five Star Bancorp
FSBC has lower modeled downside risk, despite its lower overall score.
HOOD
Robinhood Markets, Inc.
HOOD has a slight edge over FSBC overall, supported by stronger valuation and stronger modeled upside.
FSBC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
FSBC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FSBC.
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.
FSBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.1x | $28.53 | -36% |
| Fair | 12x | $40.74 | -8% |
| Forward | 12x | $44.30 | — |
| Current | 13x | $44.30 | — |
| Expensive | 14x | $47.69 | +7.7% |
Historical ranges are pointers, not guarantees.
FSBC's PE is in its fair range at 13x. On analysts' estimates for next year's earnings, today's price would be 12x.
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 FSBC in the historical PE scenario, which offers more potential upside but is not a forecast.
FSBC Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for FSBC, but weaker profitability.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over FSBC on the outlook, with more favorable valuation and profitability expectations.
FSBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.61 | +2.4% |
| Q3 2026 | $3.53 | +32% |
| Q2 2026 | $3.38 | +39% |
| Q1 2026 | $3.15 | +39% |
| Q4 2025 | $2.90 | +28% |
| Q3 2025 | $2.68 | +18% |
| Q2 2025 | $2.43 | +1.3% |
| Q1 2025 | $2.26 | -14% |
| Q4 2024 | $2.26 | -19% |
FSBC earned $3.53 per share over the past year, up 32% 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 FSBC on earnings, with more consistent year-over-year improvement.
FSBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $52.6M | +27% |
| Q2 2026 | $48M | +25% |
| Q1 2026 | $45.1M | +28% |
| Q4 2025 | $43.5M | +24% |
| Q3 2025 | $41.3M | +30% |
| Q2 2025 | $38.3M | +25% |
| Q1 2025 | $35.3M | +24% |
| Q4 2024 | $35.2M | +23% |
FSBC's revenue has grown year over year for 10 quarters in a row: $53M last quarter, up 27% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 56% | +2.3 points |
| Q2 2026 | 54% | +2 points |
| Q1 2026 | 56% | +3.5 points |
| Q4 2025 | 53% | -2.2 points |
| Q3 2025 | 54% | +5.8 points |
| Q2 2025 | 52% | +3 points |
| Q1 2025 | 52% | -0.3 points |
| Q4 2024 | 55% | +2.1 points |
FSBC 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 FSBC 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.
FSBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $26.1M | +41% |
| Q2 2026 | $23.2M | +32% |
| Q1 2026 | $18.8M | +22% |
| Q4 2025 | $19.9M | +11% |
| Q3 2025 | $18.6M | +7.3% |
| Q2 2025 | $17.5M | +11% |
| Q1 2025 | $15.4M | +10959% |
| Q4 2024 | $17.9M | +$19.7M |
FSBC 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.
FSBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +11% | +2.4M shares |
| 1 year | +11% | +2.4M shares |
| 3 years | +38% | +6.5M shares |
| 5 years | +38% | +6.6M shares |
FSBC has 24M diluted shares, up 11% 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 FSBC 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.
FSBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2025 | 0.3x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.6x | Very low |
| Q3 2024 | 0.5x | Very low |
| Q2 2024 | 0.7x | Very low |
| Q1 2024 | 2.5x | Moderate |
| Q4 2023 | 3.2x | Elevated |
| Q3 2023 | 1.9x | Healthy |
FSBC's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like FSBC.
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.
FSBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.6 | Neutral |
| Stochastic | 42.9 | Neutral |
FSBC's weekly RSI is 52 (neutral) and its Stochastic is 43 (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).
FSBC PE vs Financial Services Sector
| Metric | FSBC | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 3.6% below |
| PE % | 62 | 65 | 3 pts below |
FSBC 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.
FSBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $43.8 | 1.1% above |
| 20 week MA | $45.6 | 2.8% below |
| 50 week MA | $42.1 | 5.3% above |
| 100 week MA | $36.2 | 23% above |
| 200 week MA | $30.3 | 46% above |
FSBC 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.
FSBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $24.9 | $29.0 | +16% |
| 2022 | $29.0 | $27.4 | -5.5% |
| 2023 | $27.4 | $26.2 | -4.5% |
| 2024 | $26.2 | $30.2 | +15% |
| 2025 | $30.2 | $36.5 | +21% |
| 2026 YTD | $36.5 | $44.3 | +21% |
FSBC 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.