COFS
ChoiceOne Financial Services, Inc.
COFS's fundamentals are strong: revenue grew 20% and its operating margin rose 20 points to 38%. At 8.9x earnings, it's trading in line with its usual 9.8x. Analysts expect earnings growth.
COIN
Coinbase Global, Inc.
There isn't enough reported data to score COIN yet.
COFS Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
COFS'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 COFS.
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.
COFS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.8x | $32.20 | -13% |
| Current | 8.9x | $36.87 | — |
| Forward | 9.7x | $36.87 | — |
| Fair | 9.8x | $40.45 | +9.7% |
| Expensive | 19x | $78.62 | +113% |
Historical ranges are pointers, not guarantees.
COFS's PE is in its fair range at 8.9x. On analysts' estimates for next year's earnings, today's price would be 9.7x.
COIN PE Valuation
COIN has no meaningful PE right now: it lost money over the past year.
COFS Forward outlook
| Metric | Outlook |
|---|---|
| Deteriorating | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect COFS's earnings to grow and its profitability to improve, with its revenue holding steady.
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.
COFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.80 | -8.2% |
| Q3 2026 | $4.14 | +202% |
| Q2 2026 | $4.14 | +231% |
| Q1 2026 | $4.21 | +245% |
| Q4 2025 | $2.01 | -38% |
| Q3 2025 | $1.37 | -57% |
| Q2 2025 | $1.25 | -58% |
| Q1 2025 | $1.22 | -57% |
| Q4 2024 | $3.25 | +15% |
COFS 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.
COFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $45.2M | +1% |
| Q2 2026 | $41.6M | -2.8% |
| Q1 2026 | $42.5M | +36% |
| Q4 2025 | $42.9M | +76% |
| Q3 2025 | $44.7M | +78% |
| Q2 2025 | $42.8M | +91% |
| Q1 2025 | $31.2M | +52% |
| Q4 2024 | $24.3M | +18% |
COFS has the edge over COIN on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | -1.7 points |
| Q2 2026 | 36% | -2.8 points |
| Q1 2026 | 39% | +96 points |
| Q4 2025 | 39% | +3 points |
| Q3 2025 | 41% | +4 points |
| Q2 2025 | 39% | +2.5 points |
| Q1 2025 | -56% | -90 points |
| Q4 2024 | 36% | +4.8 points |
COFS 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.
COFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $14.6M | +6.4% |
| Q2 2026 | $27.1M | +294% |
| Q1 2026 | -$1.7M | +$5.6M |
| Q4 2025 | $11.9M | -49% |
| Q3 2025 | $13.7M | +$20.4M |
| Q2 2025 | $6.9M | -55% |
| Q1 2025 | -$7.3M | -149% |
| Q4 2024 | $23.3M | +$35M |
COFS 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.
COFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -4.7K shares |
| 1 year | -0.4% | -59.3K shares |
| 3 years | +98% | +7.4M shares |
| 5 years | +97% | +7.4M shares |
| Available history | +107% | +7.7M shares |
COFS has 15M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.3M |
| Q2 2026 | $1.1M |
| Q1 2026 | $1.4M |
| Q1 2025 | $2.1M |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
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 COFS 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 |
COFS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.6x | Net Cash |
| Q2 2026 | -0.5x | Net Cash |
| Q1 2026 | -0.5x | Net Cash |
| Q4 2025 | -0.9x | Net Cash |
| Q3 2025 | -1.5x | Net Cash |
| Q2 2025 | -4.8x | Net Cash |
| Q1 2025 | -7.4x | Net Cash |
| Q4 2024 | -1.7x | Net Cash |
COFS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like COFS.
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 COFS on leverage, with a lower net debt burden relative to earnings.
COFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 68.5 | Neutral |
| Stochastic | 69.3 | Neutral |
COFS's weekly RSI is 69 (neutral) and its Stochastic is 69 (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).
COFS PE vs Financial Services Sector
| Metric | COFS | Sector median | Relative |
|---|---|---|---|
| PE | 8.9x | 13x | 32% below |
| PE % | 33 | 63 | 30 pts below |
COFS is trading at 8.9x earnings, a 32% 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.
COFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $34.4 | 7.2% above |
| 20 week MA | $34.0 | 8.6% above |
| 50 week MA | $31.6 | 17% above |
| 100 week MA | $30.8 | 20% above |
| 200 week MA | $28.6 | 29% above |
COFS 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.
COFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $32.0 | $29.9 | -6.7% |
| 2021 | $29.9 | $25.8 | -14% |
| 2022 | $25.8 | $27.2 | +5.4% |
| 2023 | $27.2 | $29.3 | +7.7% |
| 2024 | $29.3 | $35.4 | +21% |
| 2025 | $35.4 | $30.1 | -15% |
| 2026 YTD | $30.1 | $36.9 | +22% |
COFS 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.