HOOD
Robinhood Markets, Inc.
HOOD has the edge over WSBF overall, supported by stronger modeled upside and stronger valuation.
WSBF
Waterstone Financial, Inc.
WSBF 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.
WSBF Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
WSBF's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like WSBF.
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 WSBF in the historical PE scenario, which offers more potential upside but is not a forecast.
WSBF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.7x | $11.46 | -43% |
| Forward | 10x | $20.14 | — |
| Fair | 12x | $20.71 | +2.8% |
| Current | 12x | $20.14 | — |
| Expensive | 21x | $35.11 | +74% |
Historical ranges are pointers, not guarantees.
WSBF's PE is in its fair range at 12x. On analysts' estimates for next year's earnings, today's price would be 10x.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over WSBF on the outlook, with more favorable earnings and revenue expectations.
WSBF Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Decline | |
| Stable | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect WSBF's earnings and profitability to decline, 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 earned $2.16 per share over the past year, down 10% from the year before.
WSBF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.01 | +18% |
| Q2 2026 | $1.71 | +50% |
| Q1 2026 | $1.65 | +62% |
| Q4 2025 | $1.48 | +47% |
| Q3 2025 | $1.33 | +82% |
| Q2 2025 | $1.14 | +81% |
| Q1 2025 | $1.02 | +96% |
| Q4 2024 | $1.01 | +120% |
| Q3 2024 | $0.73 | +43% |
WSBF has the edge over HOOD on earnings, with more consistent year-over-year improvement.
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 WSBF 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 WSBF on profitability, with a higher operating margin.
WSBF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $40.3M | +5.8% |
| Q1 2026 | $35.7M | +20% |
| Q4 2025 | $37.2M | +17% |
| Q3 2025 | $37M | +8.7% |
| Q2 2025 | $38M | +2.3% |
| Q1 2025 | $29.7M | -8.4% |
| Q4 2024 | $31.8M | +11% |
| Q3 2024 | $34.1M | -0.4% |
WSBF's revenue is recovering but still below its 2020 peak: $40M last quarter, up 5.8% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 26% | +1 points |
| Q1 2026 | 21% | +8.1 points |
| Q4 2025 | 27% | +7.6 points |
| Q3 2025 | 27% | +9.3 points |
| Q2 2025 | 25% | +6.2 points |
| Q1 2025 | 13% | -1.6 points |
| Q4 2024 | 19% | +22 points |
| Q3 2024 | 17% | +6.3 points |
WSBF's operating margin was 26% last quarter, up 1 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.
WSBF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $9.4M | +$47.9M |
| Q1 2026 | -$1.6M | -106% |
| Q4 2025 | $2.6M | -89% |
| Q3 2025 | $32.4M | -56% |
| Q2 2025 | -$38.5M | +$1.2M |
| Q1 2025 | $26.5M | +$36.8M |
| Q4 2024 | $23.1M | +$24.5M |
| Q3 2024 | $73.9M | +65% |
WSBF's free cash flow was $43M over the past year, down 50% from the year before. Free cash flow isn't a meaningful measure for financial services companies like WSBF.
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.
WSBF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.4% | -246K shares |
| 1 year | -4.6% | -820K shares |
| 3 years | -16% | -3.2M shares |
| 5 years | -28% | -6.8M shares |
| Available history | -34% | -8.8M shares |
WSBF has the edge over HOOD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | $3.7M |
| Q1 2026 | $4.4M |
| Q4 2025 | $2.7M |
| Q3 2025 | $3.8M |
| Q2 2025 | $6.5M |
| Q1 2025 | $3.2M |
| Q4 2024 | $2.8M |
| Q3 2024 | $999,000 |
WSBF spent $15M buying back its own shares over the past year, up 8.6% from 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 WSBF on leverage, with a lower net debt burden relative to earnings.
WSBF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 9.2x | High |
| Q1 2026 | 9.4x | High |
| Q4 2025 | 9.7x | High |
| Q3 2025 | 13.1x | High |
| Q2 2025 | 14.2x | High |
| Q1 2025 | 13.9x | High |
| Q4 2024 | 15.5x | High |
| Q3 2024 | 32.9x | High |
WSBF's net debt is about 9.2 years of its operating earnings (EBITDA), down from 14 years a year ago. Net leverage isn't a meaningful measure for financial services companies like WSBF.
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).
WSBF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.1 | Neutral |
| Stochastic | 26.1 | Neutral |
WSBF's weekly RSI is 54 (neutral) and its Stochastic is 26 (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.
WSBF PE vs Financial Services Sector
| Metric | WSBF | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 9.5% below |
| PE % | 44 | 63 | 19 pts below |
WSBF 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.
WSBF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $19.9 | 1.2% above |
| 20 week MA | $20.4 | 1.1% below |
| 50 week MA | $18.9 | 6.4% above |
| 100 week MA | $16.4 | 23% above |
| 200 week MA | $15.0 | 34% above |
WSBF 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.
WSBF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.2 | $18.6 | -3.1% |
| 2021 | $18.6 | $21.7 | +16% |
| 2022 | $21.7 | $16.9 | -22% |
| 2023 | $16.9 | $14.2 | -16% |
| 2024 | $14.2 | $13.4 | -5.5% |
| 2025 | $13.4 | $16.4 | +22% |
| 2026 YTD | $16.4 | $20.1 | +23% |
WSBF has the edge over HOOD on returns for 2026, with the stronger performance.