HOOD
Robinhood Markets, Inc.
HOOD has the edge over TRST overall, supported by stronger valuation and stronger modeled upside.
TRST
TrustCo Bank Corp NY
TRST 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.
TRST Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
TRST's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like TRST.
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 TRST in the historical PE scenario, which offers more potential upside but is not a forecast.
TRST PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.8x | $33.26 | -42% |
| Fair | 11x | $42.22 | -27% |
| Expensive | 14x | $52.94 | -8.2% |
| Current | 15x | $57.66 | — |
Historical ranges are pointers, not guarantees.
TRST's PE is in its expensive range at 15x.
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.
TRST Forward outlook
There aren't enough analyst estimates for TRST 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 TRST on earnings, with more consistent year-over-year improvement.
TRST Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $3.76 | +26% |
| Q2 2026 | $3.60 | +28% |
| Q1 2026 | $3.41 | +27% |
| Q4 2025 | $3.25 | +26% |
| Q3 2025 | $2.99 | +20% |
| Q2 2025 | $2.81 | +8.5% |
| Q1 2025 | $2.68 | -3.9% |
| Q4 2024 | $2.57 | -17% |
TRST earned $3.76 per share over the past year, up 26% 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 TRST 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.
TRST Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $51.9M | +8.5% |
| Q2 2026 | $51.5M | +11% |
| Q1 2026 | $49.5M | +9.3% |
| Q4 2025 | $48.2M | +11% |
| Q3 2025 | $47.8M | +9.6% |
| Q2 2025 | $46.6M | +7.3% |
| Q1 2025 | $45.3M | +9.5% |
| Q4 2024 | $43.3M | +0.5% |
TRST's revenue has grown year over year for eight quarters in a row: $52M last quarter, up 8.5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | -0.3 points |
| Q2 2026 | 44% | +1.4 points |
| Q1 2026 | 44% | +2.4 points |
| Q4 2025 | 44% | +9.7 points |
| Q3 2025 | 45% | +5.8 points |
| Q2 2025 | 42% | +4.4 points |
| Q1 2025 | 41% | +2.9 points |
| Q4 2024 | 34% | +4.1 points |
TRST 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'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.
TRST Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $19.3M | +93% |
| Q2 2026 | $25.5M | +2.3% |
| Q1 2026 | $10.2M | +$13.4M |
| Q4 2025 | $14.1M | +17% |
| Q3 2025 | $10M | -36% |
| Q2 2025 | $24.9M | +42% |
| Q1 2025 | -$3.3M | -135% |
| Q4 2024 | $12M | -19% |
TRST's free cash flow was $69M over the past year, up 58% from the year before. Free cash flow isn't a meaningful measure for financial services companies like TRST.
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.
TRST Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.6% | -447K shares |
| 1 year | -9.9% | -1.9M shares |
| 3 years | -11% | -2.1M shares |
| 5 years | -12% | -2.3M shares |
| Available history | -13% | -2.4M shares |
TRST has the edge over HOOD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $29M |
| Q2 2026 | $24.6M |
| Q1 2026 | $23.9M |
| Q4 2025 | $21.3M |
| Q3 2025 | $11.5M |
| Q4 2024 | — |
| Q3 2024 | — |
| Q4 2023 | — |
TRST spent $99M 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 more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HOOD.
TRST Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.4x | Net Cash |
| Q1 2026 | -7.4x | Net Cash |
| Q4 2025 | -7.1x | Net Cash |
| Q3 2025 | -7.5x | Net Cash |
| Q2 2025 | -8.4x | Net Cash |
| Q1 2025 | -9.4x | Net Cash |
| Q4 2024 | -8.1x | Net Cash |
TRST 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).
TRST Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.8 | Neutral |
| Stochastic | 61.3 | Neutral |
TRST's weekly RSI is 63 (neutral) and its Stochastic is 61 (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.
TRST PE vs Financial Services Sector
| Metric | TRST | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 18% above |
| PE % | 95 | 63 | 32 pts above |
TRST 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.
TRST Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $55.8 | 3.3% above |
| 20 week MA | $56.2 | 2.6% above |
| 50 week MA | $50.2 | 15% above |
| 100 week MA | $42.1 | 37% above |
| 200 week MA | $36.3 | 59% above |
TRST 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.
TRST Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $43.5 | $33.0 | -24% |
| 2021 | $33.0 | $32.9 | -0.2% |
| 2022 | $32.9 | $37.6 | +14% |
| 2023 | $37.6 | $31.1 | -17% |
| 2024 | $31.1 | $33.4 | +7.6% |
| 2025 | $33.4 | $42.6 | +27% |
| 2026 YTD | $42.6 | $57.7 | +35% |
TRST has the edge over HOOD on returns for 2026, with the stronger performance.