BCAL
Southern California Bancorp
BCAL's fundamentals are weak, but it looks cheap: trading at 12x earnings, below its usual 16x. Analysts expect earnings growth.
CIFR
Cipher Mining Inc.
There isn't enough reported data to score CIFR yet.
BCAL Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
BCAL's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BCAL.
CIFR Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Weak | |
| N/A | |
| N/A |
CIFR's revenue and profitability are currently weak. Free cash flow and net leverage aren't meaningful measures for financial services companies like CIFR.
BCAL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $19.37 | -12% |
| Current | 12x | $22.05 | — |
| Forward | 12x | $22.05 | — |
| Fair | 16x | $29.37 | +33% |
| Expensive | 34x | $61.04 | +177% |
Historical ranges are pointers, not guarantees.
BCAL's PE is in its fair range at 12.3x. If earnings grow as analysts expect, today's price would be 11.9x next year's earnings, in its cheap range.
CIFR PE Valuation
CIFR has no meaningful PE right now: it lost money over the past year.
BCAL Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for BCAL, with profitability improving.
CIFR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses shrinking | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect CIFR's losses to shrink, with revenue growing. However, they disagree widely on these estimates.
BCAL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.85 | +3.4% |
| Q3 2026 | $1.79 | -9.1% |
| Q2 2026 | $1.84 | +104% |
| Q1 2026 | $1.83 | +281% |
| Q4 2025 | $1.93 | +777% |
| Q3 2025 | $1.97 | +$2.05 |
| Q2 2025 | $0.90 | +4.7% |
| Q1 2025 | $0.48 | -60% |
| Q4 2024 | $0.22 | -84% |
BCAL has the edge over CIFR on earnings quality, reporting a profit while its opponent remains loss making.
CIFR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$3.06 | -$2.86 |
| Q2 2026 | -$2.85 | -$2.40 |
| Q1 2026 | -$2.32 | -$1.94 |
| Q4 2025 | -$2.15 | -$2.01 |
| Q3 2025 | -$0.20 | -$0.07 |
| Q2 2025 | -$0.45 | -850% |
| Q1 2025 | -$0.38 | -733% |
| Q4 2024 | -$0.14 | -$0.04 |
CIFR lost $3.06 per share over the past year, and its loss has widened in each of the last four quarters.
BCAL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $46M | +1.9% |
| Q2 2026 | $44.9M | +1.4% |
| Q1 2026 | $44.2M | -1.3% |
| Q4 2025 | $45.9M | +0.8% |
| Q3 2025 | $45.2M | +19% |
| Q2 2025 | $44.3M | +100% |
| Q1 2025 | $44.8M | +105% |
| Q4 2024 | $45.5M | +103% |
BCAL has the edge over CIFR on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | -8.3 points |
| Q2 2026 | 44% | -1.2 points |
| Q1 2026 | 43% | -9.7 points |
| Q4 2025 | 49% | -2.3 points |
| Q3 2025 | 48% | +107 points |
| Q2 2025 | 45% | +44 points |
| Q1 2025 | 53% | +20 points |
| Q4 2024 | 51% | +23 points |
BCAL has the edge over CIFR on profitability, with a higher operating margin.
CIFR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $26.7M | -63% |
| Q2 2026 | $24.8M | -43% |
| Q1 2026 | $34.8M | -29% |
| Q4 2025 | $59.7M | +41% |
| Q3 2025 | $71.7M | +198% |
| Q2 2025 | $43.6M | +18% |
| Q1 2025 | $49M | +1.7% |
| Q4 2024 | $42.2M | -2.8% |
CIFR's revenue has slid since its 2025 peak: $27M last quarter, down 63% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -269% | -217 points |
| Q2 2026 | -316% | -212 points |
| Q1 2026 | -329% | -251 points |
| Q4 2025 | -503% | -544 points |
| Q3 2025 | -52% | +327 points |
| Q2 2025 | -104% | -60 points |
| Q1 2025 | -78% | -175 points |
| Q4 2024 | 40% | +4 points |
CIFR's operating margin was −269% last quarter, down 217 points from the same quarter a year ago.
BCAL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $7.9M | -50% |
| Q2 2026 | $14.3M | +6.8% |
| Q1 2026 | $8.3M | +21% |
| Q4 2025 | $20.8M | -11% |
| Q3 2025 | $15.9M | -12% |
| Q2 2025 | $13.4M | +7729% |
| Q1 2025 | $6.9M | -14% |
| Q4 2024 | $23.5M | +$32M |
BCAL has the edge over CIFR on cash generation, producing positive trailing cash flow while its opponent burns cash.
CIFR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$1.7B | -$1.4B |
| Q2 2026 | -$653.8M | -$566.3M |
| Q1 2026 | -$462.5M | -$390.7M |
| Q4 2025 | -$280.3M | -$204.2M |
| Q3 2025 | -$256.2M | -$173.1M |
| Q2 2025 | -$87.5M | -$54.3M |
| Q1 2025 | -$71.8M | -$37.3M |
| Q4 2024 | -$76.1M | +$38M |
CIFR's free cash flow was −$3.1B over the past year, against −$492M the year before. Free cash flow isn't a meaningful measure for financial services companies like CIFR.
BCAL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -12K shares |
| 1 year | -1.3% | -428K shares |
| 3 years | +74% | +13.8M shares |
BCAL has the edge over CIFR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $4.6M |
| Q2 2026 | $2M |
| Q1 2026 | $7.4M |
| Q4 2025 | $431,000 |
| Q3 2025 | $1.7M |
| Q2 2025 | $155,000 |
| Q1 2025 | $1.1M |
| Q4 2024 | $998,000 |
BCAL spent $14M buying back its own shares over the past year, about four times what it spent the year before.
CIFR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +7.4% | +30.3M shares |
| 1 year | +12% | +46.5M shares |
| 3 years | +75% | +188M shares |
| 5 years | +102% | +222M shares |
CIFR has 440M diluted shares, up 12% from a year ago, despite $151M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $19.7M |
| Q2 2026 | $45.2M |
| Q1 2026 | $3.8M |
| Q4 2025 | $82.3M |
| Q3 2025 | $3M |
| Q2 2025 | $3.2M |
| Q1 2025 | $1.1M |
| Q4 2024 | $16.9M |
CIFR spent $151M buying back its own shares over the past year, about six times what it spent the year before.
BCAL Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.2x | Net Cash |
| Q2 2026 | -2.6x | Net Cash |
| Q1 2026 | -4.3x | Net Cash |
| Q4 2025 | -3.9x | Net Cash |
| Q3 2025 | -5.6x | Net Cash |
| Q2 2025 | -7.5x | Net Cash |
| Q1 2025 | -12.6x | Net Cash |
| Q4 2024 | -26.8x | Net Cash |
BCAL has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BCAL.
CIFR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2025 | -2.3x | Net Cash |
| Q1 2025 | 125.4x | High |
| Q4 2024 | 0.5x | Very low |
| Q3 2024 | -0.7x | Net Cash |
| Q2 2024 | -1.2x | Net Cash |
| Q1 2024 | -0.9x | Net Cash |
| Q4 2023 | -2.2x | Net Cash |
| Q2 2023 | -0.1x | Net Cash |
CIFR has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CIFR.
BCAL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.7 | Neutral |
| Stochastic | 61.6 | Neutral |
BCAL's weekly RSI is 63 (neutral) and its Stochastic is 62 (neutral).
CIFR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 34.4 | Neutral |
| Stochastic | 7.8 | Oversold |
CIFR's weekly RSI is 34 (neutral) and its Stochastic is 8 (oversold).
BCAL PE vs Financial Services Sector
| Metric | BCAL | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 5.4% below |
| PE % | 35 | 63 | 28 pts below |
BCAL is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
CIFR PE vs Financial Services Sector
| Metric | CIFR | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
CIFR has no meaningful PE right now: it lost money over the past year.
BCAL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $21.7 | 1.5% above |
| 20 week MA | $21.5 | 2.6% above |
| 50 week MA | $19.9 | 11% above |
| 100 week MA | $17.9 | 23% above |
| 200 week MA | $16.5 | 34% above |
BCAL has the edge over CIFR on trend strength, trading above more of its moving averages.
CIFR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $10.6 | 33% below |
| 20 week MA | $15.5 | 54% below |
| 50 week MA | $17.0 | 58% below |
| 100 week MA | $12.2 | 41% below |
| 200 week MA | $7.86 | 9% below |
CIFR is in a downtrend: it's below all five of its weekly moving averages, and 9% below its 200-week average.
BCAL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $12.8 | $12.4 | -2.8% |
| 2021 | $12.4 | $15.0 | +21% |
| 2022 | $15.0 | $16.7 | +12% |
| 2023 | $16.7 | $17.4 | +3.9% |
| 2024 | $17.4 | $16.8 | -3.5% |
| 2025 | $16.8 | $18.9 | +13% |
| 2026 YTD | $18.9 | $22.1 | +17% |
BCAL has the edge over CIFR on returns for 2026, with the stronger performance.
CIFR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $9.92 | $9.95 | +0.3% |
| 2021 | $9.95 | $5.21 | -48% |
| 2022 | $5.21 | $0.54 | -90% |
| 2023 | $0.54 | $4.13 | +665% |
| 2024 | $4.13 | $4.86 | +18% |
| 2025 | $4.86 | $15.2 | +213% |
| 2026 YTD | $15.2 | $7.15 | -53% |
CIFR's yearly returns have swung widely, from +665% in 2023 to −90% in 2022. It's down 53% so far in 2026.