CFFI
C&F Financial Corporation
CFFI's fundamentals are mixed, but it looks expensive: trading at 11x earnings, above its usual 7.3x.
COIN
Coinbase Global, Inc.
There isn't enough reported data to score COIN yet.
CFFI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CFFI'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 CFFI.
COIN Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Under pressure | |
| N/A | |
| N/A |
COIN's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like COIN.
CFFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.3x | $58.98 | -44% |
| Fair | 7.3x | $68.48 | -35% |
| Expensive | 9.8x | $91.59 | -13% |
| Current | 11x | $106 | — |
Historical ranges are pointers, not guarantees.
CFFI's PE is in its expensive range at 11x.
COIN PE Valuation
COIN has no meaningful PE right now: it lost money over the past year.
CFFI Forward outlook
There aren't enough analyst estimates for CFFI to show an outlook.
COIN Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Stable | |
| Strongly improving | |
| Moderate | |
| Low |
Analysts expect COIN's earnings to grow and its profitability to improve, with its revenue holding steady. However, they disagree widely on these estimates.
CFFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $9.34 | +16% |
| Q2 2026 | $8.97 | +19% |
| Q1 2026 | $8.71 | +31% |
| Q4 2025 | $8.29 | +38% |
| Q3 2025 | $8.06 | +42% |
| Q2 2025 | $7.53 | +31% |
| Q1 2025 | $6.66 | +9.7% |
| Q4 2024 | $6.01 | -13% |
CFFI has the edge over COIN on earnings quality, reporting a profit while its opponent remains loss making.
COIN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.36 | — |
| Q3 2026 | -$2.77 | -124% |
| Q2 2026 | -$3.78 | -137% |
| Q1 2026 | $2.72 | -49% |
| Q4 2025 | $4.45 | -53% |
| Q3 2025 | $11.54 | +94% |
| Q2 2025 | $10.32 | +82% |
| Q1 2025 | $5.32 | +4.1% |
| Q4 2024 | $9.48 | +2462% |
COIN has swung to a loss: it lost $2.77 per share over the past year, after a profit the year before.
CFFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $38.2M | +6.1% |
| Q2 2026 | $40.9M | +12% |
| Q1 2026 | $36.3M | +11% |
| Q4 2025 | $35.9M | +12% |
| Q3 2025 | $36M | +7.6% |
| Q2 2025 | $36.4M | +17% |
| Q1 2025 | $32.6M | +6.3% |
| Q4 2024 | $32.1M | -0.9% |
CFFI has the edge over COIN on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 27% | +2.1 points |
| Q2 2026 | 27% | +0.1 points |
| Q1 2026 | 23% | +3 points |
| Q4 2025 | 23% | 0 points |
| Q3 2025 | 25% | +4.6 points |
| Q2 2025 | 26% | +6.5 points |
| Q1 2025 | 20% | +7 points |
| Q4 2024 | 23% | +3.4 points |
CFFI has the edge over COIN on profitability, with a higher operating margin.
COIN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.2B | -35% |
| Q2 2026 | $1.2B | -19% |
| Q1 2026 | $1.4B | -31% |
| Q4 2025 | $1.8B | -22% |
| Q3 2025 | $1.9B | +55% |
| Q2 2025 | $1.5B | +3.3% |
| Q1 2025 | $2B | +24% |
| Q4 2024 | $2.3B | +138% |
COIN's revenue has slid since its 2021 peak: $1.2B last quarter, down 35% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 5.1% | -21 points |
| Q2 2026 | -9.3% | -7.7 points |
| Q1 2026 | -1.5% | -36 points |
| Q4 2025 | 15% | -30 points |
| Q3 2025 | 26% | +12 points |
| Q2 2025 | -1.6% | -25 points |
| Q1 2025 | 35% | -12 points |
| Q4 2024 | 46% | +33 points |
COIN's operating margin was 5.1% last quarter, down 21 points from the same quarter a year ago.
CFFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $26.3M | +16% |
| Q2 2026 | $22.3M | +$27.2M |
| Q1 2026 | -$7.9M | -368% |
| Q4 2025 | $1.5M | -96% |
| Q3 2025 | $22.7M | +$24.3M |
| Q2 2025 | -$5M | -529% |
| Q1 2025 | $2.9M | +618% |
| Q4 2024 | $35.1M | +112% |
CFFI has the edge over COIN on cash flow, with more consistent year-over-year improvement.
COIN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $405.5M | +$1.2B |
| Q2 2026 | $197.3M | -40% |
| Q1 2026 | $182.7M | +$365.5M |
| Q4 2025 | $3.1B | +218% |
| Q3 2025 | -$784.5M | -213% |
| Q2 2025 | $328.5M | -32% |
| Q1 2025 | -$182.7M | -144% |
| Q4 2024 | $964.6M | +$969.8M |
COIN's free cash flow was $3.9B over the past year, more than ten times what it generated the year before. Free cash flow isn't a meaningful measure for financial services companies like COIN.
CFFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -745 shares |
| 1 year | +0.4% | +13.4K shares |
| 3 years | -4.1% | -140K shares |
| 5 years | -8.4% | -299K shares |
| Available history | -5.8% | -199K shares |
CFFI has 3M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $14,000 |
| Q2 2026 | $367,000 |
| Q1 2026 | $614,000 |
| Q4 2025 | $507,000 |
| Q3 2025 | — |
| Q2 2025 | $10,000 |
| Q1 2025 | $426,000 |
| Q4 2024 | $969,000 |
CFFI spent $2M buying back its own shares over the past year, up 6.9% from the year before.
COIN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +9.3% | +24.6M shares |
| 1 year | -1.4% | -4M shares |
| 3 years | +21% | +50.7M shares |
| 5 years | +15% | +37.4M shares |
| Available history | +330% | +221M shares |
COIN has the edge over CFFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $5.3M |
| Q2 2026 | $181.3M |
| Q1 2026 | $1.1B |
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | — |
| Q4 2019 | $10.5M |
CFFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.2x | Moderate |
| Q2 2026 | 1.6x | Healthy |
| Q1 2026 | 0.1x | Very low |
| Q4 2025 | 1.8x | Healthy |
| Q3 2025 | 0.1x | Very low |
| Q2 2025 | 0.7x | Very low |
| Q1 2025 | 0.7x | Very low |
| Q4 2024 | 2.6x | Moderate |
CFFI's net debt is about 2.2 years of its operating earnings (EBITDA), up from less than a year a year ago. Net leverage isn't a meaningful measure for financial services companies like CFFI.
COIN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -4.4x | Net Cash |
| Q2 2026 | -2.5x | Net Cash |
| Q1 2026 | -2.8x | Net Cash |
| Q4 2025 | -2.3x | Net Cash |
| Q3 2025 | -0.6x | Net Cash |
| Q2 2025 | -1.6x | Net Cash |
| Q1 2025 | -1.6x | Net Cash |
| Q4 2024 | -1.8x | Net Cash |
COIN has the edge over CFFI on leverage, with a lower net debt burden relative to earnings.
CFFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 70.7 | Overbought |
| Stochastic | 77.1 | Neutral |
CFFI's weekly RSI is 71 (overbought) and its Stochastic is 77 (neutral).
COIN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 35.3 | Neutral |
| Stochastic | 5.0 | Oversold |
COIN's weekly RSI is 35 (neutral) and its Stochastic is 5 (oversold).
CFFI PE vs Financial Services Sector
| Metric | CFFI | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 13% below |
| PE % | 93 | 63 | 30 pts above |
CFFI is trading at 11x earnings, a 13% discount to the Financial Services sector's median of 13x.
COIN PE vs Financial Services Sector
| Metric | COIN | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
COIN has no meaningful PE right now: it lost money over the past year.
CFFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $102.9 | 2.8% above |
| 20 week MA | $93.2 | 14% above |
| 50 week MA | $81.8 | 29% above |
| 100 week MA | $75.3 | 40% above |
| 200 week MA | $65.4 | 62% above |
CFFI has the edge over COIN on trend strength, trading above more of its moving averages.
COIN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $163.0 | 20% below |
| 20 week MA | $165.6 | 21% below |
| 50 week MA | $184.4 | 29% below |
| 100 week MA | $232.8 | 44% below |
| 200 week MA | $190.3 | 31% below |
COIN is in a downtrend: it's below all five of its weekly moving averages, and 31% below its 200-week average.
CFFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $55.8 | $37.2 | -33% |
| 2021 | $37.2 | $52.1 | +40% |
| 2022 | $52.1 | $58.0 | +11% |
| 2023 | $58.0 | $68.2 | +18% |
| 2024 | $68.2 | $72.2 | +5.9% |
| 2025 | $72.2 | $71.2 | -1.4% |
| 2026 YTD | $71.2 | $105.8 | +49% |
CFFI has the edge over COIN on returns for 2026, with the stronger performance.
COIN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $342.0 | $268.2 | -22% |
| 2022 | $268.2 | $35.5 | -87% |
| 2023 | $35.5 | $173.9 | +390% |
| 2024 | $173.9 | $265.7 | +53% |
| 2025 | $265.7 | $236.9 | -11% |
| 2026 YTD | $236.9 | $130.7 | -45% |
COIN's yearly returns have swung widely, from +390% in 2023 to −87% in 2022. It's down 45% so far in 2026.