CHCO

City Holding Company

52
Fundamentals53/ 100
Valuation40/ 100
Upside potential57/ 100
Risk potential11/ 100

CHCO's fundamentals are mixed: revenue grew 6.3%, while its operating margin held steady at 50%. At 16x earnings, it's trading in line with its usual 14x. Analysts expect earnings growth.

COIN

Coinbase Global, Inc.

There isn't enough reported data to score COIN yet.

CHCO Fundamentals

MetricStatus
Stable
Strong
N/A
N/A

CHCO'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 CHCO.

COIN Fundamentals

MetricStatus
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.

CHCO PE Valuation

CHEAPFAIREXPENSIVE4.5x9.1x14x18x
CHEAPFAIREXPENSIVE4.5x9.1x14x18x
LevelPEPriceVs current
Cheap13x$116-18%
Fair14x$130-8.5%
Expensive15x$141-1%
Forward15x$142โ€”
Current16x$142โ€”

Historical ranges are pointers, not guarantees.

CHCO's PE is in its expensive range at 16x. If earnings grow as analysts expect, today's price would be 15x next year's earnings.

COIN PE Valuation

COIN has no meaningful PE right now: it lost money over the past year.

CHCO Forward outlook

MetricOutlook
Stable
Growth
Stable
Improving
Limited
High

Analysts expect CHCO's earnings to grow and its profitability to improve, with its revenue holding steady.

COIN Forward outlook

MetricOutlook
--
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.

CHCO Risk to reward

ScenarioChangePrice
Upside+14%$161.65
Downside-11%$127.03

Calculated from the latest close: $141.99 on Nov 12.

There is not enough scenario data to compare CHCO and COIN's risk to reward.

COIN Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $130.67 on Nov 12.

There is not enough scenario data to compare CHCO and COIN's risk to reward.

CHCO Earnings Per Share

Q4 2023: $7.61Q1 2024: $7.95Q2 2024: $7.75Q3 2024: $7.79Q4 2024: $7.89Q1 2025: $7.98Q2 2025: $8.31Q3 2025: $8.70Q4 2025: $8.93Q1 2026: $9.07Q2 2026: $9.13Q3 2026: $9.15Forward: $9.53
Q4 2023: $7.61Q1 2024: $7.95Q2 2024: $7.75Q3 2024: $7.79Q4 2024: $7.89Q1 2025: $7.98Q2 2025: $8.31Q3 2025: $8.70Q4 2025: $8.93Q1 2026: $9.07Q2 2026: $9.13Q3 2026: $9.15Forward: $9.53
QuarterTTM EPSYoY
Forward$9.53+4.2%
Q3 2026$9.15+5.2%
Q2 2026$9.13+9.9%
Q1 2026$9.07+14%
Q4 2025$8.93+13%
Q3 2025$8.70+12%
Q2 2025$8.31+7.2%
Q1 2025$7.98+0.4%
Q4 2024$7.89+3.7%

CHCO has the edge over COIN on earnings quality, reporting a profit while its opponent remains loss making.

COIN Earnings Per Share

Q4 2023: $0.37Q1 2024: $5.11Q2 2024: $5.67Q3 2024: $5.96Q4 2024: $9.48Q1 2025: $5.32Q2 2025: $10.32Q3 2025: $11.54Q4 2025: $4.45Q1 2026: $2.72Q2 2026: $-3.78Q3 2026: $-2.77Forward: $1.36
Q4 2023: $0.37Q1 2024: $5.11Q2 2024: $5.67Q3 2024: $5.96Q4 2024: $9.48Q1 2025: $5.32Q2 2025: $10.32Q3 2025: $11.54Q4 2025: $4.45Q1 2026: $2.72Q2 2026: $-3.78Q3 2026: $-2.77Forward: $1.36
QuarterTTM EPSYoY
Forward$1.36โ€”
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.

CHCO Quarterly Revenue

Q4 2023: $69MQ1 2024: $72MQ2 2024: $74MQ3 2024: $76MQ4 2024: $72MQ1 2025: $75MQ2 2025: $78MQ3 2025: $81MQ4 2025: $80MQ1 2026: $79MQ2 2026: $82MQ3 2026: $84M
Q4 2023: $69MQ1 2024: $72MQ2 2024: $74MQ3 2024: $76MQ4 2024: $72MQ1 2025: $75MQ2 2025: $78MQ3 2025: $81MQ4 2025: $80MQ1 2026: $79MQ2 2026: $82MQ3 2026: $84M
QuarterRevenueYoY
Q3 2026$84M+3.4%
Q2 2026$81.5M+4.3%
Q1 2026$79.2M+6.3%
Q4 2025$80.2M+12%
Q3 2025$81.3M+7%
Q2 2025$78.2M+6.3%
Q1 2025$74.6M+3%
Q4 2024$71.7M+4.1%

CHCO has the edge over COIN on sales, with more consistent year-over-year improvement.

COIN Quarterly Revenue

Q4 2023: $954MQ1 2024: $1.6BQ2 2024: $1.4BQ3 2024: $1.2BQ4 2024: $2.3BQ1 2025: $2BQ2 2025: $1.5BQ3 2025: $1.9BQ4 2025: $1.8BQ1 2026: $1.4BQ2 2026: $1.2BQ3 2026: $1.2B
Q4 2023: $954MQ1 2024: $1.6BQ2 2024: $1.4BQ3 2024: $1.2BQ4 2024: $2.3BQ1 2025: $2BQ2 2025: $1.5BQ3 2025: $1.9BQ4 2025: $1.8BQ1 2026: $1.4BQ2 2026: $1.2BQ3 2026: $1.2B
QuarterRevenueYoY
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.

CHCO Free Cash Flow

Q4 2023: $33MQ1 2024: $32MQ2 2024: $28MQ3 2024: $37MQ4 2024: $33MQ1 2025: $31MQ2 2025: $28MQ3 2025: $36MQ4 2025: $34MQ1 2026: $37MQ2 2026: $32MQ3 2026: $35M
Q4 2023: $33MQ1 2024: $32MQ2 2024: $28MQ3 2024: $37MQ4 2024: $33MQ1 2025: $31MQ2 2025: $28MQ3 2025: $36MQ4 2025: $34MQ1 2026: $37MQ2 2026: $32MQ3 2026: $35M
QuarterFree cash flowYoY
Q3 2026$35.1M-1.8%
Q2 2026$31.8M+14%
Q1 2026$37.3M+19%
Q4 2025$33.6M+2.4%
Q3 2025$35.8M-3.4%
Q2 2025$27.8M+0.1%
Q1 2025$31.3M-1%
Q4 2024$32.8M-0.5%

CHCO's free cash flow was $138M over the past year, up 8% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CHCO.

COIN Free Cash Flow

Q4 2023: โˆ’$5MQ1 2024: $411MQ2 2024: $484MQ3 2024: $697MQ4 2024: $965MQ1 2025: โˆ’$183MQ2 2025: $328MQ3 2025: โˆ’$785MQ4 2025: $3.1BQ1 2026: $183MQ2 2026: $197MQ3 2026: $405M
Q4 2023: โˆ’$5MQ1 2024: $411MQ2 2024: $484MQ3 2024: $697MQ4 2024: $965MQ1 2025: โˆ’$183MQ2 2025: $328MQ3 2025: โˆ’$785MQ4 2025: $3.1BQ1 2026: $183MQ2 2026: $197MQ3 2026: $405M
QuarterFree cash flowYoY
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.

CHCO Total Shares

Q4 2023: 15MQ1 2024: 15MQ2 2024: 15MQ3 2024: 15MQ4 2024: 15MQ1 2025: 15MQ2 2025: 14MQ3 2025: 14MQ4 2025: 14MQ1 2026: 14MQ2 2026: 14MQ3 2026: 14M
Q4 2023: 15MQ1 2024: 15MQ2 2024: 15MQ3 2024: 15MQ4 2024: 15MQ1 2025: 15MQ2 2025: 14MQ3 2025: 14MQ4 2025: 14MQ1 2026: 14MQ2 2026: 14MQ3 2026: 14M
PeriodChange %Net change
Quarterly-0.1%-13K shares
1 year-2.9%-414K shares
3 years-6%-896K shares
5 years-8.2%-1.3M shares
Available history-13%-2.2M shares

CHCO has the edge over COIN on shareholder dilution, with a more favorable share count trend.

COIN Total Shares

Q4 2023: 254MQ1 2024: 268MQ2 2024: 267MQ3 2024: 267MQ4 2024: 273MQ1 2025: 271MQ2 2025: 279MQ3 2025: 292MQ4 2025: 287MQ1 2026: 265MQ2 2026: 263MQ3 2026: 288M
Q4 2023: 254MQ1 2024: 268MQ2 2024: 267MQ3 2024: 267MQ4 2024: 273MQ1 2025: 271MQ2 2025: 279MQ3 2025: 292MQ4 2025: 287MQ1 2026: 265MQ2 2026: 263MQ3 2026: 288M
PeriodChange %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 288M diluted shares, down 1.4% from a year ago.

CHCO Net Leverage

Q4 2023: -0.4xQ1 2024: -1.1xQ2 2024: -0.5xQ3 2024: -1.0xQ4 2024: -0.5xQ1 2025: -1.6xQ2 2025: -0.1xQ3 2025: -0.5xQ4 2025: -0.3xQ1 2026: -0.9xQ2 2026: -0.7xQ3 2026: -0.3x
Q4 2023: -0.4xQ1 2024: -1.1xQ2 2024: -0.5xQ3 2024: -1.0xQ4 2024: -0.5xQ1 2025: -1.6xQ2 2025: -0.1xQ3 2025: -0.5xQ4 2025: -0.3xQ1 2026: -0.9xQ2 2026: -0.7xQ3 2026: -0.3x
QuarterNet LeverageStatus
Q3 2026-0.3xNet Cash
Q2 2026-0.7xNet Cash
Q1 2026-0.9xNet Cash
Q4 2025-0.3xNet Cash
Q3 2025-0.5xNet Cash
Q2 2025-0.1xNet Cash
Q1 2025-1.6xNet Cash
Q4 2024-0.5xNet Cash

CHCO has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CHCO.

COIN Net Leverage

Q1 2024: -2.9xQ2 2024: -2.4xQ3 2024: -2.3xQ4 2024: -1.8xQ1 2025: -1.6xQ2 2025: -1.6xQ3 2025: -0.6xQ4 2025: -2.3xQ1 2026: -2.8xQ2 2026: -2.5xQ3 2026: -4.4x
Q1 2024: -2.9xQ2 2024: -2.4xQ3 2024: -2.3xQ4 2024: -1.8xQ1 2025: -1.6xQ2 2025: -1.6xQ3 2025: -0.6xQ4 2025: -2.3xQ1 2026: -2.8xQ2 2026: -2.5xQ3 2026: -4.4x
QuarterNet LeverageStatus
Q3 2026-4.4xNet Cash
Q2 2026-2.5xNet Cash
Q1 2026-2.8xNet Cash
Q4 2025-2.3xNet Cash
Q3 2025-0.6xNet Cash
Q2 2025-1.6xNet Cash
Q1 2025-1.6xNet Cash
Q4 2024-1.8xNet Cash

COIN has the edge over CHCO on leverage, with a lower net debt burden relative to earnings.

CHCO Weekly Momentum

MetricValueStatus
RSI58.4Neutral
Stochastic38.6Neutral

CHCO's weekly RSI is 58 (neutral) and its Stochastic is 39 (neutral).

COIN Weekly Momentum

MetricValueStatus
RSI35.3Neutral
Stochastic5.0Oversold

COIN's weekly RSI is 35 (neutral) and its Stochastic is 5 (oversold).

CHCO PE vs Financial Services Sector

MetricCHCOSector medianRelative
PE16x13x19% above
PE %866323 pts above

CHCO is trading at 16x earnings, a 19% premium to the Financial Services sector's median of 13x.

COIN PE vs Financial Services Sector

MetricCOINSector medianRelative
PEN/A13xโ€”

COIN has no meaningful PE right now: it lost money over the past year.

CHCO Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$141.80.1% above
20 week MA$141.80.1% above
50 week MA$131.08.4% above
100 week MA$125.713% above
200 week MA$114.224% above

CHCO has the edge over COIN on trend strength, trading above more of its moving averages.

COIN Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$163.020% below
20 week MA$165.621% below
50 week MA$184.429% below
100 week MA$232.844% below
200 week MA$190.331% below

COIN is in a downtrend: it's below all five of its weekly moving averages, and 31% below its 200-week average.

CHCO Yearly ROI

YearStart priceEnd priceROI
2020$82.3$69.5-16%
2021$69.5$81.2+17%
2022$81.2$93.5+15%
2023$93.5$110.3+18%
2024$110.3$121.1+9.8%
2025$121.1$123.8+2.3%
2026 YTD$123.8$142.0+15%

CHCO has the edge over COIN on returns for 2026, with the stronger performance.

COIN Yearly ROI

YearStart priceEnd priceROI
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 โˆ’87% in 2022. It's down 45% so far in 2026.

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