HOOD
Robinhood Markets, Inc.
HOOD's fundamentals are mixed, but it looks cheap: trading at 38x earnings, below its usual 51x. Analysts expect strong earnings growth, though they disagree widely on how much.
PBHC
Pathfinder Bancorp, Inc.
There isn't enough reported data to score PBHC yet.
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.
PBHC Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Strong | |
| N/A | |
| N/A |
PBHC's profitability is currently strong. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like PBHC.
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.
PBHC PE Valuation
PBHC has no meaningful PE right now: it lost money over the past year.
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.
PBHC Forward outlook
There aren't enough analyst estimates for PBHC to show an outlook.
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.
PBHC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q1 2021 | $1.24 | +28% |
| Q4 2020 | $1.17 | +46% |
| Q3 2020 | $1.20 | +71% |
PBHC has the edge over HOOD in the latest year-over-year earnings comparison.
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's revenue has grown year over year for 16 quarters in a row: $1.4B last quarter, up 12% from the same quarter a year ago.
| 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.
PBHC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2025 | $11.8M | -23% |
| Q4 2024 | $15.3M | +46% |
| Q4 2021 | $11.1M | +16% |
| Q1 2021 | $10.4M | +9.2% |
| Q4 2020 | $9.6M | +5.9% |
| Q3 2020 | $9.8M | +15% |
PBHC has the edge over HOOD in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2025 | -72% | -110 points |
| Q4 2024 | 38% | +7.4 points |
| Q4 2023 | 30% | N/A |
| Q4 2021 | 45% | +24 points |
| Q1 2021 | 26% | +3.1 points |
| Q4 2020 | 20% | -4.6 points |
| Q3 2020 | 19% | +0.3 points |
| Q2 2020 | 25% | N/A |
PBHC's operating margin was −72% last quarter, down 98 points from the same quarter a year ago, near the bottom of its range since 2019.
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.
PBHC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2025 | $2.4M | +$5.5M |
| Q4 2024 | -$3.1M | -138% |
| Q4 2021 | $4.3M | +172% |
| Q1 2021 | $2.9M | -92% |
| Q4 2020 | $1.6M | +78% |
| Q3 2020 | $3.8M | +31% |
PBHC's free cash flow was $12M over the past year, up 15% from the year before. Free cash flow isn't a meaningful measure for financial services companies like PBHC.
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 PBHC 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.
PBHC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.6% | +26.1K shares |
| 1 year | +6.8% | +303K shares |
PBHC has 5M diluted shares, up 6.8% from a year ago.
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.
PBHC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2021 | 7.1x | High |
| Q4 2020 | 6.7x | High |
| Q3 2020 | 6.1x | High |
| Q2 2020 | 5.6x | High |
| Q1 2020 | 5.1x | High |
| Q4 2019 | 12.1x | High |
| Q3 2019 | 10.3x | High |
PBHC's net debt is about 7.1 years of its operating earnings (EBITDA), up from 5.0 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PBHC.
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).
PBHC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 55.2 | Neutral |
| Stochastic | 47.9 | Neutral |
PBHC's weekly RSI is 55 (neutral) and its Stochastic is 48 (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.
PBHC PE vs Financial Services Sector
| Metric | PBHC | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
PBHC has no meaningful PE right now: it lost money over the past year.
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.
PBHC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.0 | 1.5% below |
| 20 week MA | $16.6 | 0.4% above |
| 50 week MA | $15.0 | 11% above |
| 100 week MA | $15.3 | 9.1% above |
| 200 week MA | $15.0 | 12% above |
PBHC 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.
PBHC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.0 | $11.4 | -18% |
| 2021 | $11.4 | $17.0 | +49% |
| 2022 | $17.0 | $18.5 | +8.8% |
| 2023 | $18.5 | $14.0 | -24% |
| 2024 | $14.0 | $17.6 | +25% |
| 2025 | $17.6 | $13.7 | -22% |
| 2026 YTD | $13.7 | $16.7 | +22% |
PBHC has the edge over HOOD on returns for 2026, with the stronger performance.