CHMG
Chemung Financial Corporation
CHMG's fundamentals are strong, but it looks expensive: trading at 11x earnings, above its usual 9.0x. Analysts expect strong earnings growth.
COIN
Coinbase Global, Inc.
There isn't enough reported data to score COIN yet.
CHMG Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
CHMG's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like CHMG.
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.
CHMG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.7x | $61.52 | -28% |
| Fair | 9x | $71.85 | -16% |
| Forward | 10x | $85.69 | — |
| Current | 11x | $85.69 | — |
| Expensive | 12x | $96.93 | +13% |
Historical ranges are pointers, not guarantees.
CHMG's PE is in its expensive range at 11x. If earnings grow as analysts expect, today's price would be 10x next year's earnings.
COIN PE Valuation
COIN has no meaningful PE right now: it lost money over the past year.
CHMG Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
CHMG has the edge over COIN on the outlook, with more favorable revenue expectations.
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.
CHMG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $8.38 | +5.2% |
| Q3 2026 | $7.97 | +188% |
| Q2 2026 | $6.96 | +197% |
| Q1 2026 | $3.79 | -20% |
| Q4 2025 | $3.14 | -37% |
| Q3 2025 | $2.77 | -39% |
| Q2 2025 | $2.34 | -53% |
| Q1 2025 | $4.74 | -9.2% |
| Q4 2024 | $4.96 | -6.1% |
CHMG 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.
CHMG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $32M | +11% |
| Q2 2026 | $31.2M | +209% |
| Q1 2026 | $29.9M | +16% |
| Q4 2025 | $30.5M | +18% |
| Q3 2025 | $28.8M | +18% |
| Q2 2025 | $10.1M | -57% |
| Q1 2025 | $25.7M | +8.3% |
| Q4 2024 | $25.9M | +8.9% |
CHMG has the edge over COIN on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 52% | +17 points |
| Q2 2026 | 36% | +123 points |
| Q1 2026 | 40% | +9.7 points |
| Q4 2025 | 36% | +7 points |
| Q3 2025 | 35% | +5.2 points |
| Q2 2025 | -87% | -114 points |
| Q1 2025 | 30% | -8.4 points |
| Q4 2024 | 29% | +9.5 points |
CHMG 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.
CHMG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $10.7M | -9.2% |
| Q2 2026 | $8.9M | -5.1% |
| Q1 2026 | $8.9M | +30% |
| Q4 2025 | $15.7M | +265% |
| Q3 2025 | $11.8M | +38% |
| Q2 2025 | $9.4M | +72% |
| Q1 2025 | $6.9M | -13% |
| Q4 2024 | $4.3M | +19% |
CHMG 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.
CHMG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +1.3K shares |
| 1 year | +0.6% | +28.3K shares |
| 3 years | +2.2% | +103K shares |
| 5 years | +3.3% | +155K shares |
| Available history | -0.6% | -30K shares |
CHMG has 5M diluted shares, up 0.6% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $58,000 |
| Q2 2026 | $11,000 |
| Q1 2026 | $173,000 |
| Q4 2025 | $295,000 |
| Q3 2025 | $11,000 |
| Q2 2025 | $5,000 |
| Q1 2025 | $85,000 |
| Q4 2024 | $252,000 |
CHMG spent $537,000 buying back its own shares over the past year, up 52% 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 CHMG 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 |
CHMG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.5x | Net Cash |
| Q2 2026 | -0.6x | Net Cash |
| Q1 2026 | -0.4x | Net Cash |
| Q4 2025 | -0.3x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -14.3x | Net Cash |
| Q1 2025 | -1.8x | Net Cash |
| Q4 2024 | -1.5x | Net Cash |
CHMG has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CHMG.
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 CHMG on leverage, with a lower net debt burden relative to earnings.
CHMG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 67.6 | Neutral |
| Stochastic | 70.2 | Neutral |
CHMG's weekly RSI is 68 (neutral) and its Stochastic is 70 (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).
CHMG PE vs Financial Services Sector
| Metric | CHMG | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 17% below |
| PE % | 74 | 63 | 11 pts above |
CHMG is trading at 11x earnings, a 17% 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.
CHMG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $83.2 | 3% above |
| 20 week MA | $81.8 | 4.8% above |
| 50 week MA | $69.3 | 24% above |
| 100 week MA | $59.3 | 45% above |
| 200 week MA | $51.9 | 65% above |
CHMG 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.
CHMG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $42.5 | $33.7 | -21% |
| 2021 | $33.7 | $46.5 | +38% |
| 2022 | $46.5 | $44.9 | -3.4% |
| 2023 | $44.9 | $49.8 | +11% |
| 2024 | $49.8 | $49.4 | -0.8% |
| 2025 | $49.4 | $55.3 | +12% |
| 2026 YTD | $55.3 | $85.7 | +55% |
CHMG 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.