COIN

Coinbase Global, Inc.

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

UNB

Union Bankshares, Inc.

55
Fundamentals56/ 100
Valuation54/ 100
Upside potential56/ 100
Risk potential18/ 100

UNB's fundamentals are mixed: revenue grew 7.6%, while earnings per share grew 5.3%. At 8.8x earnings, it's trading below its usual 10x.

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.

UNB Fundamentals

MetricStatus
Stable
Strong
N/A
N/A

UNB'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 UNB.

COIN PE Valuation

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

UNB PE Valuation

CHEAPFAIREXPENSIVE5.8x12x17x23x
CHEAPFAIREXPENSIVE5.8x12x17x23x
LevelPEPriceVs current
Cheap8.7x$22.58-1.1%
Current8.8x$22.84—
Fair10x$26.37+15%
Expensive13x$33.37+46%

Historical ranges are pointers, not guarantees.

UNB's PE is in its cheap range at 8.8x.

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.

UNB Forward outlook

There aren't enough analyst estimates for UNB 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 UNB's risk to reward.

UNB Risk to reward

ScenarioChangePrice
Upside+23%$28.05
Downside-18%$18.71

Calculated from the latest close: $22.84 on Nov 12.

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

UNB Earnings Per Share

Q4 2023: $2.48Q1 2024: $2.35Q2 2024: $2.20Q3 2024: $1.94Q4 2024: $1.92Q1 2025: $1.94Q2 2025: $2.01Q3 2025: $2.47Q4 2025: $2.41Q1 2026: $2.51Q2 2026: $2.59Q3 2026: $2.60
Q4 2023: $2.48Q1 2024: $2.35Q2 2024: $2.20Q3 2024: $1.94Q4 2024: $1.92Q1 2025: $1.94Q2 2025: $2.01Q3 2025: $2.47Q4 2025: $2.41Q1 2026: $2.51Q2 2026: $2.59Q3 2026: $2.60
QuarterTTM EPSYoY
Q3 2026$2.60+5.3%
Q2 2026$2.59+29%
Q1 2026$2.51+29%
Q4 2025$2.41+26%
Q3 2025$2.47+27%
Q2 2025$2.01-8.6%
Q1 2025$1.94-17%
Q4 2024$1.92-23%

UNB 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.

UNB Quarterly Revenue

Q4 2023: $12MQ1 2024: $12MQ2 2024: $12MQ3 2024: $11MQ4 2024: $13MQ1 2025: $13MQ2 2025: $13MQ3 2025: $15MQ4 2025: $14MQ1 2026: $14MQ2 2026: $15MQ3 2026: $15M
Q4 2023: $12MQ1 2024: $12MQ2 2024: $12MQ3 2024: $11MQ4 2024: $13MQ1 2025: $13MQ2 2025: $13MQ3 2025: $15MQ4 2025: $14MQ1 2026: $14MQ2 2026: $15MQ3 2026: $15M
QuarterRevenueYoY
Q3 2026$15M+3.3%
Q2 2026$14.9M+13%
Q1 2026$13.8M+8.5%
Q4 2025$14.1M+6.3%
Q3 2025$14.5M+31%
Q2 2025$13.2M+7.8%
Q1 2025$12.7M+9.8%
Q4 2024$13.2M+12%

UNB 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.

UNB Free Cash Flow

Q4 2023: $2MQ1 2024: $1MQ2 2024: $3MQ3 2024: $1MQ4 2024: $6MQ1 2025: $4MQ2 2025: −$381,000Q3 2025: $10MQ4 2025: $3MQ1 2026: $2MQ2 2026: $6MQ3 2026: $849,000
Q4 2023: $2MQ1 2024: $1MQ2 2024: $3MQ3 2024: $1MQ4 2024: $6MQ1 2025: $4MQ2 2025: −$381,000Q3 2025: $10MQ4 2025: $3MQ1 2026: $2MQ2 2026: $6MQ3 2026: $849,000
QuarterFree cash flowYoY
Q3 2026$849K-91%
Q2 2026$6M+$6.4M
Q1 2026$2.5M-37%
Q4 2025$2.9M-49%
Q3 2025$9.6M+793%
Q2 2025-$381K-113%
Q1 2025$3.9M+165%
Q4 2024$5.6M+155%

UNB's free cash flow was $12M over the past year, down 35% from the year before. Free cash flow isn't a meaningful measure for financial services companies like UNB.

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

UNB Total Shares

Q4 2023: 5MQ1 2024: 5MQ2 2024: 5MQ3 2024: 5MQ4 2024: 5MQ1 2025: 5MQ2 2025: 5MQ3 2025: 5MQ4 2025: 5MQ1 2026: 5MQ2 2026: 5MQ3 2026: 5M
Q4 2023: 5MQ1 2024: 5MQ2 2024: 5MQ3 2024: 5MQ4 2024: 5MQ1 2025: 5MQ2 2025: 5MQ3 2025: 5MQ4 2025: 5MQ1 2026: 5MQ2 2026: 5MQ3 2026: 5M
PeriodChange %Net change
Quarterly+3%+145K shares
1 year+8.2%+378K shares
3 years+9.6%+438K shares
5 years+10%+465K shares
Available history+11%+509K shares

UNB has 5M diluted shares, up 8.2% 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 more cash than debt. Net leverage isn't a meaningful measure for financial services companies like COIN.

UNB Net Leverage

QuarterNet LeverageStatus
Q2 2021-0.3xNet Cash
Q1 2021-0.3xNet Cash
Q4 20200.1xVery low
Q3 2020-0.3xNet Cash
Q2 2020-0.4xNet Cash
Q1 2020-0.5xNet Cash
Q4 20193.0xModerate

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

COIN Weekly Momentum

MetricValueStatus
RSI35.3Neutral
Stochastic5.0Oversold

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

UNB Weekly Momentum

MetricValueStatus
RSI42.3Neutral
Stochastic16.2Oversold

UNB's weekly RSI is 42 (neutral) and its Stochastic is 16 (oversold).

COIN PE vs Financial Services Sector

MetricCOINSector medianRelative
PEN/A13x—

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

UNB PE vs Financial Services Sector

MetricUNBSector medianRelative
PE8.8x13x33% below
PE %186345 pts below

UNB is trading at 8.8x earnings, a 33% 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.

UNB Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$23.00.8% below
20 week MA$23.83.8% below
50 week MA$23.94.4% below
100 week MA$26.112% below
200 week MA$25.912% below

UNB is in a downtrend: it's below all five of its weekly moving averages, and 12% below its 200-week average.

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.

UNB Yearly ROI

YearStart priceEnd priceROI
2020$37.1$25.8-30%
2021$25.8$30.3+17%
2022$30.3$23.2-23%
2023$23.2$30.7+32%
2024$30.7$28.6-6.7%
2025$28.6$23.5-18%
2026 YTD$23.5$22.8-2.9%

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

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