COIN

Coinbase Global, Inc.

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

CVBF

CVB Financial Corp.

60
Fundamentals52/ 100
Valuation48/ 100
Upside potential72/ 100
Risk potential11/ 100

CVBF's fundamentals are mixed: revenue grew 27%, but its operating margin fell 6 points to 49%. At 15x earnings, it's trading in line with its usual 14x. Analysts expect strong earnings growth.

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.

CVBF Fundamentals

MetricStatus
Strong
Healthy
N/A
N/A

CVBF's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CVBF.

COIN PE Valuation

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

CVBF PE Valuation

CHEAPFAIREXPENSIVE5.0x10x15x20x
CHEAPFAIREXPENSIVE5.0x10x15x20x
LevelPEPriceVs current
Cheap11x$17.13-24%
Forward12x$22.48—
Fair14x$20.54-8.6%
Expensive15x$23.56+4.8%
Current15x$22.48—

Historical ranges are pointers, not guarantees.

CVBF's PE is in its expensive range at 15x. If earnings grow as analysts expect, today's price would be 12x next year's earnings, in its cheap range.

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.

CVBF Forward outlook

MetricOutlook
Strongly improving
Strong growth
Strong growth
Strongly improving
Limited
Moderate

CVBF has the edge over COIN on the outlook, with more favorable revenue expectations.

COIN Risk to reward

ScenarioChangePrice
UpsideUnknown—
DownsideUnknown—

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

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

CVBF Risk to reward

ScenarioChangePrice
Upside+29%$28.96
Downside-11%$19.94

Calculated from the latest close: $22.48 on Nov 12.

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

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$1.36—
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.

CVBF Earnings Per Share

Q4 2023: $1.59Q1 2024: $1.52Q2 2024: $1.48Q3 2024: $1.43Q4 2024: $1.44Q1 2025: $1.45Q2 2025: $1.46Q3 2025: $1.47Q4 2025: $1.52Q1 2026: $1.54Q2 2026: $1.46Q3 2026: $1.52Forward: $1.92
Q4 2023: $1.59Q1 2024: $1.52Q2 2024: $1.48Q3 2024: $1.43Q4 2024: $1.44Q1 2025: $1.45Q2 2025: $1.46Q3 2025: $1.47Q4 2025: $1.52Q1 2026: $1.54Q2 2026: $1.46Q3 2026: $1.52Forward: $1.92
QuarterTTM EPSYoY
Forward$1.92+26%
Q3 2026$1.52+3.4%
Q2 2026$1.460%
Q1 2026$1.54+6.2%
Q4 2025$1.52+5.6%
Q3 2025$1.47+2.8%
Q2 2025$1.46-1.4%
Q1 2025$1.45-4.6%
Q4 2024$1.44-9.4%

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

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.

CVBF Quarterly Revenue

Q4 2023: $139MQ1 2024: $127MQ2 2024: $125MQ3 2024: $126MQ4 2024: $124MQ1 2025: $127MQ2 2025: $126MQ3 2025: $129MQ4 2025: $134MQ1 2026: $132MQ2 2026: $179MQ3 2026: $196M
Q4 2023: $139MQ1 2024: $127MQ2 2024: $125MQ3 2024: $126MQ4 2024: $124MQ1 2025: $127MQ2 2025: $126MQ3 2025: $129MQ4 2025: $134MQ1 2026: $132MQ2 2026: $179MQ3 2026: $196M
QuarterRevenueYoY
Q3 2026$195.6M+52%
Q2 2026$179.4M+42%
Q1 2026$132.1M+4.3%
Q4 2025$133.9M+8.4%
Q3 2025$128.6M+1.7%
Q2 2025$126.4M+0.9%
Q1 2025$126.7M+0.1%
Q4 2024$123.5M-11%

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

COIN Free Cash Flow

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

CVBF Free Cash Flow

Q4 2023: $47MQ1 2024: $77MQ2 2024: $24MQ3 2024: $70MQ4 2024: $73MQ1 2025: $41MQ2 2025: $52MQ3 2025: $81MQ4 2025: $43MQ1 2026: $61MQ2 2026: $387MQ3 2026: $138M
Q4 2023: $47MQ1 2024: $77MQ2 2024: $24MQ3 2024: $70MQ4 2024: $73MQ1 2025: $41MQ2 2025: $52MQ3 2025: $81MQ4 2025: $43MQ1 2026: $61MQ2 2026: $387MQ3 2026: $138M
QuarterFree cash flowYoY
Q3 2026$137.8M+71%
Q2 2026$387.4M+641%
Q1 2026$61.2M+49%
Q4 2025$43.2M-41%
Q3 2025$80.7M+15%
Q2 2025$52.3M+114%
Q1 2025$41.2M-47%
Q4 2024$72.8M+55%

CVBF has the edge over COIN on cash flow, with more consistent year-over-year improvement.

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 the edge over CVBF on shareholder dilution, with a more favorable share count trend.

CVBF Total Shares

Q4 2023: 138MQ1 2024: 139MQ2 2024: 139MQ3 2024: 139MQ4 2024: 139MQ1 2025: 139MQ2 2025: 137MQ3 2025: 137MQ4 2025: 137MQ1 2026: 135MQ2 2026: 167MQ3 2026: 175M
Q4 2023: 138MQ1 2024: 139MQ2 2024: 139MQ3 2024: 139MQ4 2024: 139MQ1 2025: 139MQ2 2025: 137MQ3 2025: 137MQ4 2025: 137MQ1 2026: 135MQ2 2026: 167MQ3 2026: 175M
PeriodChange %Net change
Quarterly+4.8%+8M shares
1 year+28%+38M shares
3 years+26%+36.7M shares
5 years+29%+39.8M shares
Available history+25%+35.2M shares

CVBF has 175M diluted shares, up 28% from a year ago, despite $56M in buybacks over the past year.

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 CVBF on leverage, with a lower net debt burden relative to earnings.

CVBF Net Leverage

Q4 2023: 14.6xQ1 2024: 3.3xQ2 2024: 3.1xQ3 2024: 0.2xQ4 2024: 2.8xQ1 2025: -0.1xQ2 2025: 20.7xQ3 2025: 21.0xQ4 2025: 0.4xQ1 2026: 0.2xQ2 2026: -1.9xQ3 2026: 1.0x
Q4 2023: 14.6xQ1 2024: 3.3xQ2 2024: 3.1xQ3 2024: 0.2xQ4 2024: 2.8xQ1 2025: -0.1xQ2 2025: 20.7xQ3 2025: 21.0xQ4 2025: 0.4xQ1 2026: 0.2xQ2 2026: -1.9xQ3 2026: 1.0x
QuarterNet LeverageStatus
Q3 20261.0xVery low
Q2 2026-1.9xNet Cash
Q1 20260.2xVery low
Q4 20250.4xVery low
Q3 202521.0xHigh
Q2 202520.7xHigh
Q1 2025-0.1xNet Cash
Q4 20242.8xModerate

CVBF's net debt is about a year of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CVBF.

COIN Weekly Momentum

MetricValueStatus
RSI35.3Neutral
Stochastic5.0Oversold

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

CVBF Weekly Momentum

MetricValueStatus
RSI54.6Neutral
Stochastic56.7Neutral

CVBF's weekly RSI is 55 (neutral) and its Stochastic is 57 (neutral).

COIN PE vs Financial Services Sector

MetricCOINSector medianRelative
PEN/A13x—

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

CVBF PE vs Financial Services Sector

MetricCVBFSector medianRelative
PE15x13x14% above
PE %70637 pts above

CVBF is trading at 15x earnings, a 14% premium to the Financial Services sector's median of 13x.

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.

CVBF Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$22.40.5% above
20 week MA$22.50.2% below
50 week MA$21.07% above
100 week MA$20.211% above
200 week MA$19.118% above

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

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 −87% in 2022. It's down 45% so far in 2026.

CVBF Yearly ROI

YearStart priceEnd priceROI
2020$21.5$19.6-8.8%
2021$19.6$21.5+9.6%
2022$21.5$26.2+22%
2023$26.2$20.2-23%
2024$20.2$22.0+8.7%
2025$22.0$19.6-11%
2026 YTD$19.6$22.5+15%

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

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