HOOD
Robinhood Markets, Inc.
HOOD has the edge over SSBI overall, supported by stronger modeled upside and stronger valuation.
SSBI
Summit State Bank
SSBI offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
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.
SSBI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
SSBI's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like SSBI.
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 SSBI in the historical PE scenario, which offers more potential upside but is not a forecast.
SSBI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6x | $2.06 | -83% |
| Fair | 7.8x | $2.64 | -78% |
| Expensive | 11x | $3.65 | -70% |
| Current | 35x | $12.01 | — |
Historical ranges are pointers, not guarantees.
SSBI's PE is in its expensive range at 35x.
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.
SSBI Forward outlook
There aren't enough analyst estimates for SSBI 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 has the edge over SSBI on earnings, with more consistent year-over-year improvement.
SSBI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $0.34 | +$0.58 |
| Q1 2026 | $0.89 | +$1.35 |
| Q4 2025 | $1.01 | +$1.63 |
| Q3 2025 | -$0.21 | -129% |
| Q2 2025 | -$0.24 | -127% |
| Q1 2025 | -$0.46 | -138% |
| Q4 2024 | -$0.62 | -138% |
| Q3 2024 | $0.72 | -64% |
SSBI has returned to profit: it earned $0.34 per share over the past year, after losing money 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 SSBI on sales, with more consistent year-over-year improvement.
| 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 SSBI on profitability, with a higher operating margin.
SSBI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $15M | -3.2% |
| Q1 2026 | $15.1M | -0.9% |
| Q4 2025 | $13M | -15% |
| Q3 2025 | $15.1M | -5.6% |
| Q2 2025 | $15.5M | +2.1% |
| Q1 2025 | $15.2M | -1.5% |
| Q4 2024 | $15.4M | +2.9% |
| Q3 2024 | $16M | -2.3% |
SSBI's revenue is shrinking: $15M last quarter, down 3.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | -13% | -34 points |
| Q1 2026 | 15% | -5.3 points |
| Q4 2025 | 10% | +66 points |
| Q3 2025 | 8.4% | +3.2 points |
| Q2 2025 | 21% | +13 points |
| Q1 2025 | 20% | +7.2 points |
| Q4 2024 | -55% | -74 points |
| Q3 2024 | 5.2% | -10 points |
SSBI's operating margin was −13% last quarter, down 34 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.
SSBI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $4.2M | +$4.2M |
| Q1 2026 | $3.8M | +$7M |
| Q4 2025 | $2.6M | +58% |
| Q3 2025 | $7.2M | +215% |
| Q2 2025 | -$66K | -106% |
| Q1 2025 | -$3.2M | -596% |
| Q4 2024 | $1.7M | +$2.7M |
| Q3 2024 | $2.3M | +$4.7M |
SSBI has the edge over HOOD on cash flow, with more consistent year-over-year improvement.
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 SSBI 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.
SSBI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +13.3K shares |
| 1 year | +0.2% | +13.7K shares |
| 3 years | +0.7% | +47.5K shares |
| 5 years | +1% | +65.5K shares |
| Available history | +1% | +66.1K shares |
SSBI has 7M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | $12,000 |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
SSBI hasn't bought back shares in 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 more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HOOD.
SSBI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | -33.1x | Net Cash |
| Q1 2026 | -12.9x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2024 | -10.3x | Net Cash |
| Q2 2024 | -3.4x | Net Cash |
| Q1 2024 | -0.3x | Net Cash |
| Q4 2023 | -3.3x | Net Cash |
| Q3 2023 | -4.2x | Net Cash |
SSBI has the edge over HOOD on leverage, with a lower net debt burden relative to earnings.
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).
SSBI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.2 | Neutral |
| Stochastic | 13.2 | Oversold |
SSBI's weekly RSI is 43 (neutral) and its Stochastic is 13 (oversold).
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.
SSBI PE vs Financial Services Sector
| Metric | SSBI | Sector median | Relative |
|---|---|---|---|
| PE | 35x | 13x | 171% above |
| PE % | 99 | 63 | 36 pts above |
SSBI 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.
SSBI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $12.0 | 0.1% below |
| 20 week MA | $12.6 | 4.4% below |
| 50 week MA | $12.9 | 7% below |
| 100 week MA | $11.4 | 5.4% above |
| 200 week MA | $11.8 | 2.1% above |
SSBI 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.
SSBI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $11.7 | $11.4 | -2.3% |
| 2021 | $11.4 | $15.4 | +35% |
| 2022 | $15.4 | $15.3 | -0.3% |
| 2023 | $15.3 | $12.3 | -20% |
| 2024 | $12.3 | $7.59 | -38% |
| 2025 | $7.59 | $11.8 | +55% |
| 2026 YTD | $11.8 | $12.0 | +2.2% |
SSBI has the edge over HOOD on returns for 2026, with the stronger performance.