COIN

Coinbase Global, Inc.

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

ORRF

Orrstown Financial Services, Inc.

58
Fundamentals68/ 100
Valuation43/ 100
Upside potential58/ 100
Risk potential14/ 100

ORRF's fundamentals are strong: its operating margin rose 5 points to 42% and earnings per share grew 31%. At 9.8x earnings, it's trading in line with its usual 9.1x. Analysts expect 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.

ORRF Fundamentals

MetricStatus
Stable
Strong
N/A
N/A

ORRF'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 ORRF.

COIN PE Valuation

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

ORRF PE Valuation

CHEAPFAIREXPENSIVE5.6x11x17x23x
CHEAPFAIREXPENSIVE5.6x11x17x23x
LevelPEPriceVs current
Cheap7.6x$34.06-23%
Fair9.1x$40.84-7.4%
Forward9.6x$44.10—
Current9.8x$44.10—
Expensive15x$69.33+57%

Historical ranges are pointers, not guarantees.

ORRF's PE is in its fair range at 9.8x. On analysts' estimates for next year's earnings, today's price would be 9.6x.

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.

ORRF Forward outlook

MetricOutlook
Stable
Growth
Growth
Improving
Limited
High

ORRF 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 ORRF's risk to reward.

ORRF Risk to reward

ScenarioChangePrice
Upside+19%$52.56
Downside-14%$37.87

Calculated from the latest close: $44.10 on Nov 12.

There is not enough scenario data to compare COIN and ORRF'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.

ORRF Earnings Per Share

Q4 2023: $3.42Q1 2024: $3.36Q2 2024: $3.15Q3 2024: $1.87Q4 2024: $1.48Q1 2025: $1.60Q2 2025: $1.88Q3 2025: $3.42Q4 2025: $4.18Q1 2026: $4.37Q2 2026: $4.45Q3 2026: $4.49Forward: $4.58
Q4 2023: $3.42Q1 2024: $3.36Q2 2024: $3.15Q3 2024: $1.87Q4 2024: $1.48Q1 2025: $1.60Q2 2025: $1.88Q3 2025: $3.42Q4 2025: $4.18Q1 2026: $4.37Q2 2026: $4.45Q3 2026: $4.49Forward: $4.58
QuarterTTM EPSYoY
Forward$4.58+2%
Q3 2026$4.49+31%
Q2 2026$4.45+137%
Q1 2026$4.37+173%
Q4 2025$4.18+182%
Q3 2025$3.42+83%
Q2 2025$1.88-40%
Q1 2025$1.60-52%
Q4 2024$1.48-57%

ORRF 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.

ORRF Quarterly Revenue

Q4 2023: $33MQ1 2024: $34MQ2 2024: $33MQ3 2024: $64MQ4 2024: $62MQ1 2025: $60MQ2 2025: $62MQ3 2025: $64MQ4 2025: $65MQ1 2026: $65MQ2 2026: $63MQ3 2026: $67M
Q4 2023: $33MQ1 2024: $34MQ2 2024: $33MQ3 2024: $64MQ4 2024: $62MQ1 2025: $60MQ2 2025: $62MQ3 2025: $64MQ4 2025: $65MQ1 2026: $65MQ2 2026: $63MQ3 2026: $67M
QuarterRevenueYoY
Q3 2026$66.7M+3.6%
Q2 2026$62.7M+0.4%
Q1 2026$64.6M+7%
Q4 2025$64.9M+5%
Q3 2025$64.4M+0.4%
Q2 2025$62.4M+88%
Q1 2025$60.4M+80%
Q4 2024$61.8M+90%

ORRF 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.

ORRF Free Cash Flow

Q4 2023: $13MQ1 2024: $13MQ2 2024: $6MQ3 2024: $7MQ4 2024: $7MQ1 2025: $9MQ2 2025: $24MQ3 2025: $22MQ4 2025: $16MQ1 2026: $25MQ2 2026: $22MQ3 2026: −$4M
Q4 2023: $13MQ1 2024: $13MQ2 2024: $6MQ3 2024: $7MQ4 2024: $7MQ1 2025: $9MQ2 2025: $24MQ3 2025: $22MQ4 2025: $16MQ1 2026: $25MQ2 2026: $22MQ3 2026: −$4M
QuarterFree cash flowYoY
Q3 2026-$3.9M-118%
Q2 2026$22.4M-5.4%
Q1 2026$25.1M+191%
Q4 2025$15.9M+119%
Q3 2025$22.3M+213%
Q2 2025$23.7M+270%
Q1 2025$8.6M-31%
Q4 2024$7.2M-45%

ORRF's free cash flow was $59M over the past year, down 3.9% from the year before. Free cash flow isn't a meaningful measure for financial services companies like ORRF.

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 ORRF on shareholder dilution, with a more favorable share count trend.

ORRF Total Shares

Q4 2023: 10MQ1 2024: 10MQ2 2024: 11MQ3 2024: 19MQ1 2025: 19MQ2 2025: 19MQ3 2025: 19MQ4 2025: 19MQ1 2026: 19MQ2 2026: 19MQ3 2026: 20M
Q4 2023: 10MQ1 2024: 10MQ2 2024: 11MQ3 2024: 19MQ1 2025: 19MQ2 2025: 19MQ3 2025: 19MQ4 2025: 19MQ1 2026: 19MQ2 2026: 19MQ3 2026: 20M
PeriodChange %Net change
Quarterly+0.4%+72K shares
1 year+0.7%+140K shares
3 years+87%+9.1M shares
5 years+76%+8.4M shares
Available history+86%+9M shares

ORRF has 20M diluted shares, up 0.7% from a year ago.

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

ORRF Net Leverage

Q4 2023: 0.2xQ1 2024: 1.0xQ2 2024: 0.8xQ3 2024: 1.6xQ4 2024: 1.5xQ1 2025: 0.1xQ2 2025: 0.2xQ3 2025: -0.2xQ4 2025: 0.5xQ1 2026: -0.1xQ2 2026: -0.4xQ3 2026: -0.3x
Q4 2023: 0.2xQ1 2024: 1.0xQ2 2024: 0.8xQ3 2024: 1.6xQ4 2024: 1.5xQ1 2025: 0.1xQ2 2025: 0.2xQ3 2025: -0.2xQ4 2025: 0.5xQ1 2026: -0.1xQ2 2026: -0.4xQ3 2026: -0.3x
QuarterNet LeverageStatus
Q3 2026-0.3xNet Cash
Q2 2026-0.4xNet Cash
Q1 2026-0.1xNet Cash
Q4 20250.5xVery low
Q3 2025-0.2xNet Cash
Q2 20250.2xVery low
Q1 20250.1xVery low
Q4 20241.5xHealthy

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

COIN Weekly Momentum

MetricValueStatus
RSI35.3Neutral
Stochastic5.0Oversold

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

ORRF Weekly Momentum

MetricValueStatus
RSI63.5Neutral
Stochastic66.2Neutral

ORRF's weekly RSI is 63 (neutral) and its Stochastic is 66 (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.

ORRF PE vs Financial Services Sector

MetricORRFSector medianRelative
PE9.8x13x25% below
PE %65632 pts above

ORRF is trading at 9.8x earnings, a 25% discount 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.

ORRF Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$42.83.1% above
20 week MA$42.44.1% above
50 week MA$39.113% above
100 week MA$36.023% above
200 week MA$31.142% above

ORRF 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.

ORRF Yearly ROI

YearStart priceEnd priceROI
2020$22.8$16.9-26%
2021$16.9$24.4+45%
2022$24.4$23.8-2.8%
2023$23.8$29.5+24%
2024$29.5$36.5+24%
2025$36.5$35.9-1.5%
2026 YTD$35.9$44.1+23%

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

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