HOOD
Robinhood Markets, Inc.
HOOD has a slight edge over OSBC overall, supported by stronger valuation and stronger modeled upside.
OSBC
Old Second Bancorp, Inc.
OSBC 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.
OSBC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
OSBC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like OSBC.
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 OSBC in the historical PE scenario, which offers more potential upside but is not a forecast.
OSBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.4x | $15.56 | -38% |
| Fair | 9.8x | $20.78 | -17% |
| Forward | 11x | $25.11 | — |
| Current | 12x | $25.11 | — |
| Expensive | 14x | $30.07 | +20% |
Historical ranges are pointers, not guarantees.
OSBC's PE is in its expensive range at 12x. If earnings grow as analysts expect, today's price would be 11x next year's earnings, in its fair range.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over OSBC on the outlook, with more favorable revenue expectations.
OSBC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect OSBC's earnings to grow and its profitability to improve, with its revenue holding 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 has the edge over OSBC on earnings, with more consistent year-over-year improvement.
OSBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.32 | +10% |
| Q3 2026 | $2.11 | +40% |
| Q2 2026 | $1.73 | -5.5% |
| Q1 2026 | $1.67 | -8.7% |
| Q4 2025 | $1.62 | -13% |
| Q3 2025 | $1.51 | -18% |
| Q2 2025 | $1.83 | -3.2% |
| Q1 2025 | $1.83 | -7.1% |
| Q4 2024 | $1.87 | -7.4% |
OSBC earned $2.11 per share over the past year, up 40% from the year before.
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 OSBC 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 has the edge over OSBC on profitability, with a higher operating margin.
OSBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $97.1M | +1.3% |
| Q2 2026 | $96.6M | +29% |
| Q1 2026 | $93.8M | +28% |
| Q4 2025 | $95.2M | +30% |
| Q3 2025 | $95.9M | +35% |
| Q2 2025 | $75.1M | +6.1% |
| Q1 2025 | $73.1M | +4% |
| Q4 2024 | $73.2M | +4.6% |
OSBC's revenue has grown year over year for eight quarters in a row: $97M last quarter, up 1.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | +26 points |
| Q2 2026 | 39% | +0.3 points |
| Q1 2026 | 36% | +0.5 points |
| Q4 2025 | 41% | +6.6 points |
| Q3 2025 | 14% | -28 points |
| Q2 2025 | 39% | -2.3 points |
| Q1 2025 | 36% | -4.8 points |
| Q4 2024 | 35% | -1 points |
OSBC's operating margin was 40% last quarter, up 26 points from the same quarter a year ago.
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.
OSBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $64.2M | +85% |
| Q2 2026 | $27.9M | +19% |
| Q1 2026 | $36.2M | +123% |
| Q4 2025 | $43.4M | +98% |
| Q3 2025 | $34.7M | -25% |
| Q2 2025 | $23.5M | +167% |
| Q1 2025 | $16.2M | -63% |
| Q4 2024 | $21.8M | -12% |
OSBC's free cash flow was $172M over the past year, up 78% from the year before. Free cash flow isn't a meaningful measure for financial services companies like OSBC.
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 911M diluted shares, down 0.8% from a year ago, with $789M in buybacks over the past year.
| 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.
OSBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.9% | -975K shares |
| 1 year | -4.4% | -2.4M shares |
| 3 years | +13% | +5.7M shares |
| 5 years | +74% | +21.8M shares |
| Available history | +68% | +20.7M shares |
OSBC has the edge over HOOD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $39.5M |
| Q2 2026 | $15.8M |
| Q1 2026 | $24.5M |
| Q4 2025 | $36,000 |
| Q3 2025 | $5.9M |
| Q2 2025 | $62,000 |
| Q1 2025 | $1.4M |
| Q4 2024 | $257,000 |
OSBC spent $80M buying back its own shares over the past year, more than ten times what it spent the year before.
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 OSBC on leverage, with a lower net debt burden relative to earnings.
OSBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.0x | Moderate |
| Q2 2026 | 2.0x | Moderate |
| Q1 2026 | 1.2x | Healthy |
| Q4 2025 | 1.3x | Healthy |
| Q3 2025 | 1.1x | Healthy |
| Q2 2025 | -0.7x | Net Cash |
| Q1 2025 | -1.7x | Net Cash |
| Q4 2024 | -0.2x | Net Cash |
OSBC's net debt is about 2.0 years of its operating earnings (EBITDA), up from 1.1 years a year ago. Net leverage isn't a meaningful measure for financial services companies like OSBC.
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).
OSBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.4 | Neutral |
| Stochastic | 38.5 | Neutral |
OSBC's weekly RSI is 61 (neutral) and its Stochastic is 39 (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.
OSBC PE vs Financial Services Sector
| Metric | OSBC | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 8.6% below |
| PE % | 71 | 63 | 8 pts above |
OSBC 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.
OSBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $24.7 | 1.7% above |
| 20 week MA | $24.8 | 1.5% above |
| 50 week MA | $22.3 | 13% above |
| 100 week MA | $19.9 | 26% above |
| 200 week MA | $17.4 | 45% above |
OSBC 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.
OSBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $13.5 | $9.97 | -26% |
| 2021 | $9.97 | $12.6 | +27% |
| 2022 | $12.6 | $16.6 | +31% |
| 2023 | $16.6 | $15.4 | -7% |
| 2024 | $15.4 | $17.8 | +16% |
| 2025 | $17.8 | $19.9 | +12% |
| 2026 YTD | $19.9 | $25.1 | +26% |
OSBC has the edge over HOOD on returns for 2026, with the stronger performance.