COIN

Coinbase Global, Inc.

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

SFBC

Sound Financial Bancorp, Inc.

56
Fundamentals68/ 100
Valuation45/ 100
Upside potential57/ 100
Risk potential11/ 100

SFBC's fundamentals are strong: its operating margin rose 4 points to 26% and earnings per share grew 27%. At 14x earnings, it's trading right at its usual valuation.

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.

SFBC Fundamentals

MetricStatus
Stable
Strong
N/A
N/A

SFBC'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 SFBC.

COIN PE Valuation

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

SFBC PE Valuation

CHEAPFAIREXPENSIVE9.5x19x29x38x
CHEAPFAIREXPENSIVE9.5x19x29x38x
LevelPEPriceVs current
Cheap11x$35.44-22%
Fair13x$45.21-0.6%
Current14x$45.50—
Expensive19x$63.24+39%

Historical ranges are pointers, not guarantees.

SFBC's PE is in its fair range at 14x.

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.

SFBC Forward outlook

There aren't enough analyst estimates for SFBC to show an outlook.

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 SFBC's risk to reward.

SFBC Risk to reward

ScenarioChangePrice
Upside+15%$52.21
Downside-11%$40.37

Calculated from the latest close: $45.50 on Nov 12.

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

SFBC Earnings Per Share

Q4 2023: $2.86Q1 2024: $2.33Q2 2024: $1.53Q3 2024: $1.53Q4 2024: $1.80Q1 2025: $1.95Q2 2025: $2.43Q3 2025: $2.64Q4 2025: $2.77Q1 2026: $2.93Q2 2026: $3.12Q3 2026: $3.36
Q4 2023: $2.86Q1 2024: $2.33Q2 2024: $1.53Q3 2024: $1.53Q4 2024: $1.80Q1 2025: $1.95Q2 2025: $2.43Q3 2025: $2.64Q4 2025: $2.77Q1 2026: $2.93Q2 2026: $3.12Q3 2026: $3.36
QuarterTTM EPSYoY
Q3 2026$3.36+27%
Q2 2026$3.12+28%
Q1 2026$2.93+50%
Q4 2025$2.77+54%
Q3 2025$2.64+73%
Q2 2025$2.43+59%
Q1 2025$1.95-16%
Q4 2024$1.80-37%

SFBC 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.

SFBC Quarterly Revenue

Q4 2023: $9MQ1 2024: $9MQ2 2024: $9MQ3 2024: $9MQ4 2024: $9MQ1 2025: $9MQ2 2025: $10MQ3 2025: $10MQ4 2025: $10MQ1 2026: $10MQ2 2026: $11MQ3 2026: $11M
Q4 2023: $9MQ1 2024: $9MQ2 2024: $9MQ3 2024: $9MQ4 2024: $9MQ1 2025: $9MQ2 2025: $10MQ3 2025: $10MQ4 2025: $10MQ1 2026: $10MQ2 2026: $11MQ3 2026: $11M
QuarterRevenueYoY
Q3 2026$10.6M+8.2%
Q2 2026$11M+6.2%
Q1 2026$10M+8.6%
Q4 2025$9.5M+1.6%
Q3 2025$9.8M+7.8%
Q2 2025$10.4M+20%
Q1 2025$9.2M+7.2%
Q4 2024$9.4M+8.7%

SFBC 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.

SFBC Free Cash Flow

Q4 2023: $2MQ1 2024: $2MQ2 2024: −$2MQ3 2024: $3MQ4 2024: $127,000Q1 2025: $2MQ2 2025: −$518,000Q3 2025: $4MQ4 2025: $2MQ1 2026: $1MQ2 2026: $166,000Q3 2026: $5M
Q4 2023: $2MQ1 2024: $2MQ2 2024: −$2MQ3 2024: $3MQ4 2024: $127,000Q1 2025: $2MQ2 2025: −$518,000Q3 2025: $4MQ4 2025: $2MQ1 2026: $1MQ2 2026: $166,000Q3 2026: $5M
QuarterFree cash flowYoY
Q3 2026$5.4M+44%
Q2 2026$166K+$684K
Q1 2026$1.5M-19%
Q4 2025$1.9M+1424%
Q3 2025$3.8M+16%
Q2 2025-$518K+$1.9M
Q1 2025$1.8M-4.3%
Q4 2024$127K-93%

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

SFBC Total Shares

Q4 2023: 3MQ1 2024: 3MQ2 2024: 3MQ3 2024: 3MQ4 2024: 3MQ1 2025: 3MQ2 2025: 3MQ3 2025: 3MQ4 2025: 3MQ1 2026: 3MQ2 2026: 3MQ3 2026: 3M
Q4 2023: 3MQ1 2024: 3MQ2 2024: 3MQ3 2024: 3MQ4 2024: 3MQ1 2025: 3MQ2 2025: 3MQ3 2025: 3MQ4 2025: 3MQ1 2026: 3MQ2 2026: 3MQ3 2026: 3M
PeriodChange %Net change
Quarterly+0.2%+5.9K shares
1 year+0.2%+4.9K shares
3 years+0.3%+8.7K shares
5 years-2%-52.9K shares
Available history-0.1%-2.8K shares

SFBC has 3M diluted shares, about the same as 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 more cash than debt. Net leverage isn't a meaningful measure for financial services companies like COIN.

SFBC Net Leverage

Q4 2023: 0.2xQ1 2024: -10.9xQ2 2024: -15.3xQ3 2024: -18.2xQ4 2024: -1.1xQ1 2025: -14.0xQ2 2025: -8.0xQ3 2025: -7.2xQ4 2025: -13.2xQ1 2026: -12.5xQ2 2026: -11.0xQ3 2026: -9.7x
Q4 2023: 0.2xQ1 2024: -10.9xQ2 2024: -15.3xQ3 2024: -18.2xQ4 2024: -1.1xQ1 2025: -14.0xQ2 2025: -8.0xQ3 2025: -7.2xQ4 2025: -13.2xQ1 2026: -12.5xQ2 2026: -11.0xQ3 2026: -9.7x
QuarterNet LeverageStatus
Q3 2026-9.7xNet Cash
Q2 2026-11.0xNet Cash
Q1 2026-12.5xNet Cash
Q4 2025-13.2xNet Cash
Q3 2025-7.2xNet Cash
Q2 2025-8.0xNet Cash
Q1 2025-14.0xNet Cash
Q4 2024-1.1xNet Cash

SFBC has the edge over COIN on leverage, with a lower net debt burden relative to earnings.

COIN Weekly Momentum

MetricValueStatus
RSI35.3Neutral
Stochastic5.0Oversold

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

SFBC Weekly Momentum

MetricValueStatus
RSI51.5Neutral
Stochastic40.7Neutral

SFBC's weekly RSI is 51 (neutral) and its Stochastic is 41 (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.

SFBC PE vs Financial Services Sector

MetricSFBCSector medianRelative
PE14x13x4% above
PE %516312 pts below

SFBC is trading at 14x earnings, in line with 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.

SFBC Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$44.42.6% above
20 week MA$45.70.5% below
50 week MA$44.23% above
100 week MA$46.52.1% below
200 week MA$43.93.6% above

SFBC 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.

SFBC Yearly ROI

YearStart priceEnd priceROI
2020$36.0$31.1-14%
2021$31.1$44.8+44%
2022$44.8$39.5-12%
2023$39.5$39.0-1.3%
2024$39.0$52.6+35%
2025$52.6$43.6-17%
2026 YTD$43.6$45.5+4.3%

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

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