COIN

Coinbase Global, Inc.

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

WNEB

Western New England Bancorp, Inc.

61
Fundamentals70/ 100
Valuation50/ 100
Upside potential55/ 100
Risk potential15/ 100

WNEB's fundamentals are strong: its operating margin rose 6 points to 29% and revenue grew 15%. Its PE isn't a useful guide right now because of how its recent earnings were reported.

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.

WNEB Fundamentals

MetricStatus
Stable
Strong
N/A
N/A

WNEB'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 WNEB.

COIN PE Valuation

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

WNEB PE Valuation

CHEAPFAIREXPENSIVE5.6x11x17x23x
CHEAPFAIREXPENSIVE5.6x11x17x23x
LevelPEPriceVs current
Cheap8.2x$8.18-40%
Fair13x$12.99-3.9%
Forward13x$13.52—
Current14x$13.52—
Expensive18x$18.21+35%

Historical ranges are pointers, not guarantees.

WNEB's PE is 14x, but its earnings don't support one, so it isn't a reliable read right now.

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.

WNEB Forward outlook

MetricOutlook
Stable
Growth
Growth
Strongly improving
Limited
Moderate

WNEB 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 WNEB's risk to reward.

WNEB Risk to reward

ScenarioChangePrice
Upside+18%$15.94
Downside-15%$11.51

Calculated from the latest close: $13.52 on Nov 12.

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

WNEB Earnings Per Share

Q4 2023: $0.70Q1 2024: $0.60Q2 2024: $0.64Q3 2024: $0.52Q4 2024: $0.56Q1 2025: $0.53Q2 2025: $0.59Q3 2025: $0.66Q4 2025: $0.76Q1 2026: $0.89Q2 2026: $0.84Q3 2026: $1.00Forward: $1.04
Q4 2023: $0.70Q1 2024: $0.60Q2 2024: $0.64Q3 2024: $0.52Q4 2024: $0.56Q1 2025: $0.53Q2 2025: $0.59Q3 2025: $0.66Q4 2025: $0.76Q1 2026: $0.89Q2 2026: $0.84Q3 2026: $1.00Forward: $1.04
QuarterTTM EPSYoY
Forward$1.04+4.3%
Q3 2026$1.00+52%
Q2 2026$0.84+42%
Q1 2026$0.89+68%
Q4 2025$0.76+36%
Q3 2025$0.66+27%
Q2 2025$0.59-7.8%
Q1 2025$0.53-12%
Q4 2024$0.56-20%

WNEB 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.

WNEB Quarterly Revenue

Q4 2023: $19MQ1 2024: $18MQ2 2024: $18MQ3 2024: $18MQ4 2024: $19MQ1 2025: $18MQ2 2025: $21MQ3 2025: $21MQ4 2025: $22MQ1 2026: $22MQ2 2026: $23MQ3 2026: $24M
Q4 2023: $19MQ1 2024: $18MQ2 2024: $18MQ3 2024: $18MQ4 2024: $19MQ1 2025: $18MQ2 2025: $21MQ3 2025: $21MQ4 2025: $22MQ1 2026: $22MQ2 2026: $23MQ3 2026: $24M
QuarterRevenueYoY
Q3 2026$23.9M+12%
Q2 2026$22.7M+7.9%
Q1 2026$22.3M+22%
Q4 2025$22M+19%
Q3 2025$21.3M+19%
Q2 2025$21.1M+15%
Q1 2025$18.3M+1.5%
Q4 2024$18.5M-1.9%

WNEB 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 has the stronger cash trend. Its trailing FCF is up 35% versus its history, compared with WNEB at down 3%.

WNEB Free Cash Flow

Q4 2023: $7MQ1 2024: $1MQ2 2024: $2MQ3 2024: --Q4 2024: $5MQ1 2025: −$1MQ2 2025: $7MQ3 2025: --Q4 2025: $6MQ1 2026: −$388,000Q2 2026: $6MQ3 2026: $7M
Q4 2023: $7MQ1 2024: $1MQ2 2024: $2MQ3 2024: --Q4 2024: $5MQ1 2025: −$1MQ2 2025: $7MQ3 2025: --Q4 2025: $6MQ1 2026: −$388,000Q2 2026: $6MQ3 2026: $7M
QuarterFree cash flowYoY
Q2 2026$5.9M-14%
Q1 2026-$388K+$853K
Q4 2025$6.4M+22%
Q2 2025$6.8M+247%
Q1 2025-$1.2M-206%
Q4 2024$5.2M-30%
Q1 2024$1.2M+$7.2M
Q4 2023$7.5M-54%

WNEB's free cash flow was $19M over the past year, up 48% from the year before. Free cash flow isn't a meaningful measure for financial services companies like WNEB.

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 288M diluted shares, down 1.4% from a year ago.

WNEB Total Shares

Q4 2023: 22MQ1 2024: 21MQ2 2024: 21MQ3 2024: 21MQ4 2024: 21MQ1 2025: 21MQ2 2025: 20MQ3 2025: 20MQ4 2025: 20MQ1 2026: 20MQ2 2026: 20MQ3 2026: 20M
Q4 2023: 22MQ1 2024: 21MQ2 2024: 21MQ3 2024: 21MQ4 2024: 21MQ1 2025: 21MQ2 2025: 20MQ3 2025: 20MQ4 2025: 20MQ1 2026: 20MQ2 2026: 20MQ3 2026: 20M
PeriodChange %Net change
Quarterly-0.5%-103K shares
1 year-2.2%-450K shares
3 years-8.7%-1.9M shares
5 years-13%-2.9M shares
Available history-25%-6.5M shares

WNEB has the edge over COIN on shareholder dilution, with a more favorable share count trend.

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

WNEB Net Leverage

Q4 2023: 0.7xQ1 2024: 1.0xQ2 2024: 7.0xQ3 2024: 7.6xQ4 2024: 6.3xQ1 2025: 5.9xQ2 2025: 5.2xQ3 2025: 4.9xQ4 2025: 4.5xQ1 2026: 4.7xQ2 2026: 2.4xQ3 2026: 1.2x
Q4 2023: 0.7xQ1 2024: 1.0xQ2 2024: 7.0xQ3 2024: 7.6xQ4 2024: 6.3xQ1 2025: 5.9xQ2 2025: 5.2xQ3 2025: 4.9xQ4 2025: 4.5xQ1 2026: 4.7xQ2 2026: 2.4xQ3 2026: 1.2x
QuarterNet LeverageStatus
Q3 20261.2xHealthy
Q2 20262.4xModerate
Q1 20264.7xHigh
Q4 20254.5xHigh
Q3 20254.9xHigh
Q2 20255.2xHigh
Q1 20255.9xHigh
Q4 20246.3xHigh

WNEB's net debt is about 1.1 years of its operating earnings (EBITDA), down from 4.9 years a year ago. Net leverage isn't a meaningful measure for financial services companies like WNEB.

COIN Weekly Momentum

MetricValueStatus
RSI35.3Neutral
Stochastic5.0Oversold

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

WNEB Weekly Momentum

MetricValueStatus
RSI47.9Neutral
Stochastic44.0Neutral

WNEB's weekly RSI is 48 (neutral) and its Stochastic is 44 (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.

WNEB PE vs Financial Services Sector

MetricWNEBSector medianRelative
PE14x13x3.8% above
PE %526311 pts below

WNEB is trading at 14x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.

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.

WNEB Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$13.81.7% below
20 week MA$13.82.3% below
50 week MA$13.50.1% below
100 week MA$11.914% above
200 week MA$9.7838% above

WNEB 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.

WNEB Yearly ROI

YearStart priceEnd priceROI
2020$9.61$6.75-30%
2021$6.75$8.61+28%
2022$8.61$9.56+11%
2023$9.56$9.00-5.9%
2024$9.00$9.19+2.1%
2025$9.19$12.8+39%
2026 YTD$12.8$13.5+5.5%

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

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