COIN
Coinbase Global, Inc.
There isn't enough reported data to score COIN yet.
NBTB
NBT Bancorp Inc.
NBTB's fundamentals are strong: its operating margin rose 8 points to 37% and revenue grew 14%. At 13x earnings, it's trading in line with its usual 13x. Analysts expect earnings growth.
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.
NBTB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
NBTB'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 NBTB.
COIN PE Valuation
COIN has no meaningful PE right now: it lost money over the past year.
NBTB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $45.27 | -14% |
| Forward | 12x | $52.72 | — |
| Fair | 13x | $54.56 | +3.5% |
| Current | 13x | $52.72 | — |
| Expensive | 15x | $62.58 | +19% |
Historical ranges are pointers, not guarantees.
NBTB's PE is in its fair range at 13x. If earnings grow as analysts expect, today's price would be 12x next year's earnings, in its cheap range.
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.
NBTB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
NBTB has the edge over COIN on the outlook, with more favorable revenue expectations.
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.
NBTB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.46 | +6.2% |
| Q3 2026 | $4.20 | +40% |
| Q2 2026 | $4.12 | +48% |
| Q1 2026 | $3.54 | +17% |
| Q4 2025 | $3.33 | +12% |
| Q3 2025 | $3.01 | +6.4% |
| Q2 2025 | $2.78 | +8.2% |
| Q1 2025 | $3.03 | +17% |
| Q4 2024 | $2.97 | +12% |
NBTB has the edge over COIN on earnings quality, reporting a profit while its opponent remains loss making.
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.
NBTB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $195M | +4.8% |
| Q2 2026 | $186.7M | +9.1% |
| Q1 2026 | $184.5M | +19% |
| Q4 2025 | $185.1M | +25% |
| Q3 2025 | $186.1M | +26% |
| Q2 2025 | $171.2M | +22% |
| Q1 2025 | $154.7M | +10% |
| Q4 2024 | $148.5M | +7.9% |
NBTB has the edge over COIN on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | +0.4 points |
| Q2 2026 | 37% | +19 points |
| Q1 2026 | 36% | +5.6 points |
| Q4 2025 | 38% | +7 points |
| Q3 2025 | 39% | +5.5 points |
| Q2 2025 | 18% | -12 points |
| Q1 2025 | 31% | -0.2 points |
| Q4 2024 | 31% | +1.8 points |
NBTB has the edge over COIN on profitability, with a higher operating margin.
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.
NBTB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $74.4M | +0.1% |
| Q2 2026 | $60.5M | +37% |
| Q1 2026 | $48.6M | +27% |
| Q4 2025 | $62.1M | +36% |
| Q3 2025 | $74.3M | +55% |
| Q2 2025 | $44.1M | -10% |
| Q1 2025 | $38.3M | +12% |
| Q4 2024 | $45.5M | +39% |
NBTB has the edge over COIN on cash flow, with more consistent year-over-year improvement.
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 NBTB 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 |
NBTB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -21K shares |
| 1 year | -0.9% | -466K shares |
| 3 years | +15% | +6.8M shares |
| 5 years | +20% | +8.6M shares |
| Available history | +19% | +8.1M shares |
NBTB has 52M diluted shares, down 0.9% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1M |
| Q2 2026 | $3M |
| Q1 2026 | $11M |
| Q4 2025 | $10.2M |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
NBTB spent $25M buying back its own shares over the past year, after none the year before.
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 NBTB on leverage, with a lower net debt burden relative to earnings.
NBTB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.7x | Very low |
| Q2 2026 | 0.4x | Very low |
| Q1 2026 | -0.0x | Net Cash |
| Q4 2025 | 0.1x | Very low |
| Q3 2025 | -0.4x | Net Cash |
| Q2 2025 | -0.1x | Net Cash |
| Q1 2025 | -0.1x | Net Cash |
| Q4 2024 | 0.6x | Very low |
NBTB's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago. Net leverage isn't a meaningful measure for financial services companies like NBTB.
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).
NBTB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 61.2 | Neutral |
| Stochastic | 56.8 | Neutral |
NBTB's weekly RSI is 61 (neutral) and its Stochastic is 57 (neutral).
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.
NBTB PE vs Financial Services Sector
| Metric | NBTB | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 3.6% below |
| PE % | 41 | 63 | 22 pts below |
NBTB is trading at 13x earnings, in line with the Financial Services sector's median of 13x.
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.
NBTB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $51.8 | 1.7% above |
| 20 week MA | $51.9 | 1.6% above |
| 50 week MA | $47.3 | 11% above |
| 100 week MA | $45.3 | 16% above |
| 200 week MA | $41.8 | 26% above |
NBTB has the edge over COIN on trend strength, trading above more of its moving averages.
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.
NBTB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $40.7 | $31.9 | -22% |
| 2021 | $31.9 | $38.0 | +19% |
| 2022 | $38.0 | $43.4 | +14% |
| 2023 | $43.4 | $41.9 | -3.4% |
| 2024 | $41.9 | $48.4 | +16% |
| 2025 | $48.4 | $42.7 | -12% |
| 2026 YTD | $42.7 | $52.7 | +23% |
NBTB has the edge over COIN on returns for 2026, with the stronger performance.