HOOD
Robinhood Markets, Inc.
HOOD has the edge over MCBS overall, supported by stronger valuation and stronger modeled upside.
MCBS
MetroCity Bankshares, Inc.
MCBS has lower modeled downside risk, despite its lower overall score.
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.
MCBS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MCBS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MCBS.
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 MCBS in the historical PE scenario, which offers more potential upside but is not a forecast.
MCBS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8x | $24.63 | -32% |
| Fair | 11x | $33.20 | -8.4% |
| Current | 12x | $36.26 | — |
| Forward | 12x | $36.26 | — |
| Expensive | 13x | $38.33 | +5.7% |
Historical ranges are pointers, not guarantees.
MCBS's PE is in its expensive range at 11.8x. On analysts' estimates for next year's earnings, today's price would be 11.6x, in its fair range.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over MCBS on the outlook, with more favorable valuation and earnings expectations.
MCBS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Stable | |
| Stable | |
| Stable | |
| Limited | |
| High |
Analysts expect MCBS's earnings, revenue and profitability to hold roughly steady.
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.
MCBS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.13 | +2.3% |
| Q3 2026 | $3.06 | +18% |
| Q2 2026 | $2.89 | +12% |
| Q1 2026 | $2.78 | +7.8% |
| Q4 2025 | $2.64 | +4.8% |
| Q3 2025 | $2.59 | +12% |
| Q2 2025 | $2.57 | +21% |
| Q1 2025 | $2.58 | +31% |
| Q4 2024 | $2.52 | +25% |
MCBS has the edge over HOOD on earnings, with more consistent year-over-year improvement.
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 MCBS 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.
MCBS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $47.9M | +26% |
| Q2 2026 | $49.8M | +31% |
| Q1 2026 | $50.8M | +41% |
| Q4 2025 | $43.7M | +24% |
| Q3 2025 | $38M | +2.9% |
| Q2 2025 | $37.9M | +4.5% |
| Q1 2025 | $36M | +10% |
| Q4 2024 | $35.4M | +15% |
MCBS's revenue has grown year over year for 11 quarters in a row: $48M last quarter, up 26% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 58% | -4.4 points |
| Q2 2026 | 62% | -0.9 points |
| Q1 2026 | 59% | -1.9 points |
| Q4 2025 | 53% | -6.1 points |
| Q3 2025 | 63% | +1.4 points |
| Q2 2025 | 62% | -2 points |
| Q1 2025 | 61% | -1.3 points |
| Q4 2024 | 59% | +6.3 points |
MCBS has the edge over HOOD on profitability, with a higher operating margin.
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 has the edge over MCBS on cash flow, with more consistent year-over-year improvement.
MCBS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$16.6M | -203% |
| Q2 2026 | $24.9M | +74% |
| Q1 2026 | $45.8M | +287% |
| Q4 2025 | -$5.4M | -128% |
| Q3 2025 | $16.2M | +$28M |
| Q2 2025 | $14.3M | -25% |
| Q1 2025 | $11.8M | -67% |
| Q4 2024 | $18.9M | +$28.1M |
MCBS's free cash flow was $49M over the past year, down 20% from the year before. Free cash flow isn't a meaningful measure for financial services companies like MCBS.
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 MCBS 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.
MCBS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +88K shares |
| 1 year | +12% | +3.2M shares |
| 3 years | +13% | +3.4M shares |
| 5 years | +13% | +3.3M shares |
| Available history | +17% | +4.3M shares |
MCBS has 29M diluted shares, up 12% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $4.4M |
| Q4 2025 | $2.7M |
| Q3 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q4 2023 | $706,000 |
MCBS spent $7M buying back its own shares over the past year.
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 MCBS on leverage, with a lower net debt burden relative to earnings.
MCBS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.5x | Very low |
| Q2 2026 | 1.0x | Healthy |
| Q1 2026 | 0.4x | Very low |
| Q4 2025 | 1.3x | Healthy |
| Q3 2025 | 2.1x | Moderate |
| Q2 2025 | 1.5x | Healthy |
| Q1 2025 | 1.5x | Healthy |
| Q4 2024 | 1.4x | Healthy |
MCBS's net debt is less than a year of its operating earnings (EBITDA), down from 2.1 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MCBS.
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).
MCBS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.8 | Neutral |
| Stochastic | 72.1 | Neutral |
MCBS's weekly RSI is 62 (neutral) and its Stochastic is 72 (neutral).
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.
MCBS PE vs Financial Services Sector
| Metric | MCBS | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 9% below |
| PE % | 69 | 63 | 6 pts above |
MCBS has the edge over HOOD on valuation relative to its sector.
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.
MCBS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $35.4 | 2.3% above |
| 20 week MA | $35.6 | 1.8% above |
| 50 week MA | $32.3 | 12% above |
| 100 week MA | $30.4 | 19% above |
| 200 week MA | $26.9 | 35% above |
MCBS has the edge over HOOD on trend strength, trading above more of its moving averages.
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.
MCBS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $17.5 | $14.3 | -18% |
| 2021 | $14.3 | $27.6 | +93% |
| 2022 | $27.6 | $21.6 | -22% |
| 2023 | $21.6 | $24.0 | +11% |
| 2024 | $24.0 | $32.0 | +33% |
| 2025 | $32.0 | $26.8 | -16% |
| 2026 YTD | $26.8 | $36.3 | +35% |
MCBS has the edge over HOOD on returns for 2026, with the stronger performance.