HOOD
Robinhood Markets, Inc.
HOOD has the edge over UBCP overall, supported by stronger valuation and stronger modeled upside.
UBCP
United Bancorp, Inc.
UBCP 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.
UBCP Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
UBCP'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 UBCP.
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 UBCP in the historical PE scenario, which offers more potential upside but is not a forecast.
UBCP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.9x | $10.22 | -29% |
| Fair | 9.9x | $12.77 | -12% |
| Expensive | 11x | $14.69 | +1.4% |
| Current | 11x | $14.49 | — |
Historical ranges are pointers, not guarantees.
UBCP's PE is in its expensive range at 11x.
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.
UBCP Forward outlook
There aren't enough analyst estimates for UBCP 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 UBCP on earnings, with more consistent year-over-year improvement.
UBCP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $1.29 | -0.8% |
| Q2 2026 | $1.38 | +8.7% |
| Q1 2026 | $1.35 | +8.9% |
| Q4 2025 | $1.34 | +5.5% |
| Q3 2025 | $1.30 | -5.8% |
| Q2 2025 | $1.27 | -15% |
| Q1 2025 | $1.24 | -22% |
| Q4 2024 | $1.27 | -19% |
UBCP earned $1.29 per share over the past year, about the same as 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 UBCP 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 UBCP on profitability, with a higher operating margin.
UBCP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7M | +4% |
| Q2 2026 | $7M | +6.2% |
| Q1 2026 | $6.5M | +4.2% |
| Q4 2025 | $8.9M | +18% |
| Q3 2025 | $6.7M | +9.6% |
| Q2 2025 | $6.6M | +6.3% |
| Q1 2025 | $6.2M | +2.2% |
| Q4 2024 | $7.5M | +0.1% |
UBCP's revenue has grown year over year for eight quarters in a row: $7M last quarter, up 4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 15% | -13 points |
| Q2 2026 | 29% | +0.1 points |
| Q1 2026 | 27% | -2.7 points |
| Q4 2025 | 22% | -1.4 points |
| Q3 2025 | 28% | -0.2 points |
| Q2 2025 | 29% | +3.4 points |
| Q1 2025 | 30% | -5.5 points |
| Q4 2024 | 24% | -11 points |
UBCP's operating margin was 15% last quarter, down 13 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 has the edge over UBCP on cash generation, producing positive trailing cash flow while its opponent burns cash.
UBCP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.5M | +$3.9M |
| Q2 2026 | -$140K | -110% |
| Q1 2026 | -$1.8M | -$1.2M |
| Q4 2025 | -$1.8M | -214% |
| Q3 2025 | -$367K | +$1.2M |
| Q2 2025 | $1.5M | +$3M |
| Q1 2025 | -$594K | -366% |
| Q4 2024 | $1.6M | -38% |
UBCP's free cash flow was −$257,000 over the past year, against $2M the year before. Free cash flow isn't a meaningful measure for financial services companies like UBCP.
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.
UBCP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -26.6K shares |
| 1 year | -0.7% | -39.5K shares |
| 3 years | -0.8% | -42.2K shares |
| 5 years | -0.6% | -31.7K shares |
| Available history | -1.4% | -79.2K shares |
UBCP has 5M diluted shares, down 0.7% from a year ago, with $1M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $340,000 |
| Q2 2026 | $342,000 |
| Q1 2026 | $374,000 |
| Q4 2025 | $188,000 |
| Q3 2025 | — |
| Q2 2025 | $80,000 |
| Q1 2025 | $49,000 |
| Q4 2024 | — |
UBCP spent $1M buying back its own shares over the past year, about 10 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 UBCP on leverage, with a lower net debt burden relative to earnings.
UBCP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 8.3x | High |
| Q2 2026 | 7.7x | High |
| Q1 2026 | 7.9x | High |
| Q4 2025 | 5.9x | High |
| Q3 2025 | 6.2x | High |
| Q2 2025 | 5.7x | High |
| Q1 2025 | 7.7x | High |
| Q4 2024 | 9.5x | High |
UBCP's net debt is about 8.3 years of its operating earnings (EBITDA), up from 6.2 years a year ago. Net leverage isn't a meaningful measure for financial services companies like UBCP.
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).
UBCP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.5 | Neutral |
| Stochastic | 33.6 | Neutral |
UBCP's weekly RSI is 46 (neutral) and its Stochastic is 34 (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.
UBCP PE vs Financial Services Sector
| Metric | UBCP | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 14% below |
| PE % | 79 | 63 | 16 pts above |
UBCP 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.
UBCP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $14.3 | 1.5% above |
| 20 week MA | $15.2 | 4.7% below |
| 50 week MA | $15.2 | 4.4% below |
| 100 week MA | $14.3 | 1.3% above |
| 200 week MA | $13.4 | 8.2% above |
UBCP 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.
UBCP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.7 | $13.3 | -9.4% |
| 2021 | $13.3 | $16.2 | +22% |
| 2022 | $16.2 | $15.5 | -4.6% |
| 2023 | $15.5 | $12.8 | -17% |
| 2024 | $12.8 | $13.0 | +1.3% |
| 2025 | $13.0 | $14.8 | +14% |
| 2026 YTD | $14.8 | $14.5 | -2% |
UBCP has the edge over HOOD on returns for 2026, with the stronger performance.