BOTJ
Bank of the James Financial Group, Inc.
BOTJ's fundamentals are strong: its operating margin rose 8 points to 29% and revenue grew 12%. At 9.4x earnings, it's trading in line with its usual 8.9x.
CIFR
Cipher Mining Inc.
There isn't enough reported data to score CIFR yet.
BOTJ Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BOTJ's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BOTJ.
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.
BOTJ PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.2x | $16.39 | -34% |
| Fair | 8.7x | $23.04 | -7% |
| Current | 9.4x | $24.77 | — |
| Expensive | 11x | $29.29 | +18% |
Historical ranges are pointers, not guarantees.
BOTJ's PE is in its fair range at 9.4x.
CIFR PE Valuation
CIFR has no meaningful PE right now: it lost money over the past year.
BOTJ Forward outlook
There aren't enough analyst estimates for BOTJ to show an outlook.
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.
BOTJ Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $2.64 | +50% |
| Q2 2026 | $2.52 | +58% |
| Q1 2026 | $2.41 | +65% |
| Q4 2025 | $1.99 | +14% |
| Q3 2025 | $1.76 | -4.9% |
| Q2 2025 | $1.59 | -15% |
| Q1 2025 | $1.46 | -26% |
| Q4 2024 | $1.75 | -8.4% |
BOTJ 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.
BOTJ Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $13.9M | +11% |
| Q2 2026 | $13.7M | +11% |
| Q1 2026 | $12.7M | +15% |
| Q4 2025 | $12.9M | +12% |
| Q3 2025 | $12.5M | +10% |
| Q2 2025 | $12.3M | +9.2% |
| Q1 2025 | $11M | +7.3% |
| Q4 2024 | $11.5M | +8.8% |
BOTJ has the edge over CIFR on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | +4.2 points |
| Q2 2026 | 30% | +2.1 points |
| Q1 2026 | 27% | +18 points |
| Q4 2025 | 27% | +9.1 points |
| Q3 2025 | 26% | +4.1 points |
| Q2 2025 | 28% | +3.9 points |
| Q1 2025 | 9.4% | -17 points |
| Q4 2024 | 18% | -1.4 points |
BOTJ 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.
BOTJ Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $6.2M | +14% |
| Q2 2026 | $332K | -91% |
| Q1 2026 | $4.4M | +2990% |
| Q4 2025 | $1.3M | -13% |
| Q3 2025 | $5.5M | +64% |
| Q2 2025 | $3.5M | +27% |
| Q1 2025 | $141K | +$1.9M |
| Q4 2024 | $1.5M | -55% |
BOTJ 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.
BOTJ Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -- |
| 1 year | 0% | -- |
| 3 years | 0% | -- |
| 5 years | -4.2% | -197K shares |
| Available history | -5.7% | -276K shares |
BOTJ has the edge over CIFR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | $184,000 |
| Q1 2023 | $813,000 |
| Q4 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
| Q2 2021 | $215,000 |
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.
BOTJ Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.7x | Net Cash |
| Q2 2026 | -1.0x | Net Cash |
| Q1 2026 | -1.1x | Net Cash |
| Q4 2025 | -1.6x | Net Cash |
| Q3 2025 | -1.8x | Net Cash |
| Q2 2025 | -1.3x | Net Cash |
| Q1 2025 | -1.7x | Net Cash |
| Q4 2024 | -1.2x | Net Cash |
BOTJ has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BOTJ.
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.
BOTJ Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 47.4 | Neutral |
| Stochastic | 14.7 | Oversold |
BOTJ's weekly RSI is 47 (neutral) and its Stochastic is 15 (oversold).
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).
BOTJ PE vs Financial Services Sector
| Metric | BOTJ | Sector median | Relative |
|---|---|---|---|
| PE | 9.4x | 13x | 28% below |
| PE % | 53 | 63 | 10 pts below |
BOTJ is trading at 9.4x earnings, a 28% discount to 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.
BOTJ Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $26.3 | 5.9% below |
| 20 week MA | $26.7 | 7.2% below |
| 50 week MA | $23.3 | 6.5% above |
| 100 week MA | $18.9 | 31% above |
| 200 week MA | $15.2 | 63% above |
BOTJ 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.
BOTJ Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.0 | $11.1 | -21% |
| 2021 | $11.1 | $16.0 | +45% |
| 2022 | $16.0 | $11.9 | -26% |
| 2023 | $11.9 | $12.2 | +2.7% |
| 2024 | $12.2 | $15.5 | +27% |
| 2025 | $15.5 | $18.2 | +17% |
| 2026 YTD | $18.2 | $24.8 | +36% |
BOTJ 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.