CBAN

Colony Bankcorp, Inc.

61
Fundamentals70/ 100
Valuation51/ 100
Upside potential70/ 100
Risk potential12/ 100

CBAN's fundamentals are strong: revenue grew 28% and its operating margin rose 2 points to 29%. At 11x earnings, it's trading right at its usual valuation. Analysts expect earnings growth.

CIFR

Cipher Mining Inc.

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

CBAN Fundamentals

MetricStatus
Healthy
Strong
N/A
N/A

CBAN's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CBAN.

CIFR Fundamentals

MetricStatus
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.

CBAN PE Valuation

CHEAPFAIREXPENSIVE3.8x7.6x11x15x
CHEAPFAIREXPENSIVE3.8x7.6x11x15x
LevelPEPriceVs current
Forward8.9x$20.30โ€”
Cheap9.4x$17.14-16%
Fair11x$20.26-0.2%
Current11x$20.30โ€”
Expensive13x$22.83+12%

Historical ranges are pointers, not guarantees.

CBAN's PE is in its fair range at 11x. If earnings grow as analysts expect, today's price would be 8.9x 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.

CBAN Forward outlook

MetricOutlook
Strongly improving
Growth
Strong growth
Strongly weakening
Limited
High

Analysts expect earnings and revenue growth for CBAN, but weaker profitability.

CIFR Forward outlook

MetricOutlook
--
Losses shrinking
Strong growth
Strongly improving
Limited
Low

CIFR has the edge over CBAN on the outlook, with more favorable profitability expectations.

CBAN Risk to reward

ScenarioChangePrice
Upside+28%$25.95
Downside-12%$17.90

Calculated from the latest close: $20.30 on Nov 12.

There is not enough scenario data to compare CBAN and CIFR's risk to reward.

CIFR Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $7.15 on Nov 12.

There is not enough scenario data to compare CBAN and CIFR's risk to reward.

CBAN Earnings Per Share

Q4 2023: $1.24Q1 2024: $1.25Q2 2024: $1.26Q3 2024: $1.25Q4 2024: $1.36Q1 2025: $1.44Q2 2025: $1.59Q3 2025: $1.60Q4 2025: $1.59Q1 2026: $1.60Q2 2026: $1.65Q3 2026: $1.82Forward: $2.28
Q4 2023: $1.24Q1 2024: $1.25Q2 2024: $1.26Q3 2024: $1.25Q4 2024: $1.36Q1 2025: $1.44Q2 2025: $1.59Q3 2025: $1.60Q4 2025: $1.59Q1 2026: $1.60Q2 2026: $1.65Q3 2026: $1.82Forward: $2.28
QuarterTTM EPSYoY
Forward$2.28+25%
Q3 2026$1.82+14%
Q2 2026$1.65+3.8%
Q1 2026$1.60+11%
Q4 2025$1.59+17%
Q3 2025$1.60+28%
Q2 2025$1.59+26%
Q1 2025$1.44+15%
Q4 2024$1.36+9.7%

CBAN has the edge over CIFR on earnings quality, reporting a profit while its opponent remains loss making.

CIFR Earnings Per Share

Q4 2023: $-0.10Q1 2024: $0.06Q2 2024: $0.06Q3 2024: $-0.13Q4 2024: $-0.14Q1 2025: $-0.38Q2 2025: $-0.45Q3 2025: $-0.20Q4 2025: $-2.15Q1 2026: $-2.32Q2 2026: $-2.85Q3 2026: $-3.06
Q4 2023: $-0.10Q1 2024: $0.06Q2 2024: $0.06Q3 2024: $-0.13Q4 2024: $-0.14Q1 2025: $-0.38Q2 2025: $-0.45Q3 2025: $-0.20Q4 2025: $-2.15Q1 2026: $-2.32Q2 2026: $-2.85Q3 2026: $-3.06
QuarterTTM EPSYoY
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.

CBAN Quarterly Revenue

Q4 2023: $28MQ1 2024: $28MQ2 2024: $28MQ3 2024: $29MQ4 2024: $31MQ1 2025: $30MQ2 2025: $32MQ3 2025: $33MQ4 2025: $37MQ1 2026: $40MQ2 2026: $42MQ3 2026: $43M
Q4 2023: $28MQ1 2024: $28MQ2 2024: $28MQ3 2024: $29MQ4 2024: $31MQ1 2025: $30MQ2 2025: $32MQ3 2025: $33MQ4 2025: $37MQ1 2026: $40MQ2 2026: $42MQ3 2026: $43M
QuarterRevenueYoY
Q3 2026$42.6M+30%
Q2 2026$42M+29%
Q1 2026$39.9M+33%
Q4 2025$36.9M+20%
Q3 2025$32.8M+15%
Q2 2025$32.5M+16%
Q1 2025$30M+6.6%
Q4 2024$30.8M+9.2%

CBAN has the edge over CIFR on sales, with more consistent year-over-year improvement.

CIFR Quarterly Revenue

Q4 2023: $43MQ1 2024: $48MQ2 2024: $37MQ3 2024: $24MQ4 2024: $42MQ1 2025: $49MQ2 2025: $44MQ3 2025: $72MQ4 2025: $60MQ1 2026: $35MQ2 2026: $25MQ3 2026: $27M
Q4 2023: $43MQ1 2024: $48MQ2 2024: $37MQ3 2024: $24MQ4 2024: $42MQ1 2025: $49MQ2 2025: $44MQ3 2025: $72MQ4 2025: $60MQ1 2026: $35MQ2 2026: $25MQ3 2026: $27M
QuarterRevenueYoY
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.

CBAN Free Cash Flow

Q4 2023: $5MQ1 2024: $5MQ2 2024: $990,000Q3 2024: $20MQ4 2024: โˆ’$4MQ1 2025: $18MQ2 2025: $16MQ3 2025: $14MQ4 2025: โˆ’$54MQ1 2026: $54MQ2 2026: $8MQ3 2026: $5M
Q4 2023: $5MQ1 2024: $5MQ2 2024: $990,000Q3 2024: $20MQ4 2024: โˆ’$4MQ1 2025: $18MQ2 2025: $16MQ3 2025: $14MQ4 2025: โˆ’$54MQ1 2026: $54MQ2 2026: $8MQ3 2026: $5M
QuarterFree cash flowYoY
Q3 2026$4.7M-67%
Q2 2026$8.2M-48%
Q1 2026$53.8M+206%
Q4 2025-$54.3M-$50.5M
Q3 2025$14.1M-30%
Q2 2025$15.8M+1492%
Q1 2025$17.6M+257%
Q4 2024-$3.8M-174%

CBAN has the edge over CIFR on cash generation, producing positive trailing cash flow while its opponent burns cash.

CIFR Free Cash Flow

Q4 2023: โˆ’$114MQ1 2024: โˆ’$35MQ2 2024: โˆ’$33MQ3 2024: โˆ’$83MQ4 2024: โˆ’$76MQ1 2025: โˆ’$72MQ2 2025: โˆ’$88MQ3 2025: โˆ’$256MQ4 2025: โˆ’$280MQ1 2026: โˆ’$462MQ2 2026: โˆ’$654MQ3 2026: โˆ’$1.7B
Q4 2023: โˆ’$114MQ1 2024: โˆ’$35MQ2 2024: โˆ’$33MQ3 2024: โˆ’$83MQ4 2024: โˆ’$76MQ1 2025: โˆ’$72MQ2 2025: โˆ’$88MQ3 2025: โˆ’$256MQ4 2025: โˆ’$280MQ1 2026: โˆ’$462MQ2 2026: โˆ’$654MQ3 2026: โˆ’$1.7B
QuarterFree cash flowYoY
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 โˆ’$3.1B over the past year, against โˆ’$492M the year before. Free cash flow isn't a meaningful measure for financial services companies like CIFR.

CBAN Total Shares

Q4 2023: 18MQ1 2024: 18MQ2 2024: 18MQ3 2024: 18MQ4 2024: 18MQ1 2025: 18MQ2 2025: 17MQ3 2025: 17MQ4 2025: 18MQ1 2026: 21MQ2 2026: 21MQ3 2026: 21M
Q4 2023: 18MQ1 2024: 18MQ2 2024: 18MQ3 2024: 18MQ4 2024: 18MQ1 2025: 18MQ2 2025: 17MQ3 2025: 17MQ4 2025: 18MQ1 2026: 21MQ2 2026: 21MQ3 2026: 21M
PeriodChange %Net change
Quarterly+0.3%+60.6K shares
1 year+22%+3.8M shares
3 years+21%+3.7M shares
5 years+123%+11.7M shares
Available history+132%+12.1M shares

CBAN has 21M diluted shares, up 22% from a year ago.

CIFR Total Shares

Q4 2023: 252MQ1 2024: 304MQ2 2024: 314MQ3 2024: 333MQ4 2024: 323MQ1 2025: 361MQ2 2025: 375MQ3 2025: 393MQ4 2025: 382MQ1 2026: 405MQ2 2026: 409MQ3 2026: 440M
Q4 2023: 252MQ1 2024: 304MQ2 2024: 314MQ3 2024: 333MQ4 2024: 323MQ1 2025: 361MQ2 2025: 375MQ3 2025: 393MQ4 2025: 382MQ1 2026: 405MQ2 2026: 409MQ3 2026: 440M
PeriodChange %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 the edge over CBAN on shareholder dilution, with a more favorable share count trend.

CBAN Net Leverage

Q4 2023: 5.9xQ1 2024: 10.3xQ2 2024: 13.0xQ3 2024: 12.1xQ4 2024: 5.9xQ1 2025: 11.1xQ2 2025: 9.7xQ3 2025: 9.7xQ4 2025: 5.4xQ1 2026: 9.2xQ2 2026: 7.4xQ3 2026: 8.5x
Q4 2023: 5.9xQ1 2024: 10.3xQ2 2024: 13.0xQ3 2024: 12.1xQ4 2024: 5.9xQ1 2025: 11.1xQ2 2025: 9.7xQ3 2025: 9.7xQ4 2025: 5.4xQ1 2026: 9.2xQ2 2026: 7.4xQ3 2026: 8.5x
QuarterNet LeverageStatus
Q3 20268.5xHigh
Q2 20267.4xHigh
Q1 20269.2xHigh
Q4 20255.4xHigh
Q3 20259.7xHigh
Q2 20259.7xHigh
Q1 202511.1xHigh
Q4 20245.9xHigh

CBAN's net debt is about 8.5 years of its operating earnings (EBITDA), down from 9.7 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CBAN.

CIFR Net Leverage

Q4 2023: -2.2xQ1 2024: -0.9xQ2 2024: -1.2xQ3 2024: -0.7xQ4 2024: 0.5xQ1 2025: 125.4xQ3 2025: -2.3x
Q4 2023: -2.2xQ1 2024: -0.9xQ2 2024: -1.2xQ3 2024: -0.7xQ4 2024: 0.5xQ1 2025: 125.4xQ3 2025: -2.3x
QuarterNet LeverageStatus
Q3 2025-2.3xNet Cash
Q1 2025125.4xHigh
Q4 20240.5xVery low
Q3 2024-0.7xNet Cash
Q2 2024-1.2xNet Cash
Q1 2024-0.9xNet Cash
Q4 2023-2.2xNet Cash
Q2 2023-0.1xNet Cash

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

CBAN Weekly Momentum

MetricValueStatus
RSI48.0Neutral
Stochastic25.3Neutral

CBAN's weekly RSI is 48 (neutral) and its Stochastic is 25 (neutral).

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

CIFR's weekly RSI is 34 (neutral) and its Stochastic is 8 (oversold).

CBAN PE vs Financial Services Sector

MetricCBANSector medianRelative
PE11x13x14% below
PE %506313 pts below

CBAN is trading at 11x earnings, a 14% discount to the Financial Services sector's median of 13x.

CIFR PE vs Financial Services Sector

MetricCIFRSector medianRelative
PEN/A13xโ€”

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

CBAN Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$20.30.2% above
20 week MA$20.92.9% below
50 week MA$20.10.9% above
100 week MA$18.212% above
200 week MA$15.134% above

CBAN has the edge over CIFR on trend strength, trading above more of its moving averages.

CIFR Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$10.633% below
20 week MA$15.554% below
50 week MA$17.058% below
100 week MA$12.241% below
200 week MA$7.869% below

CIFR is in a downtrend: it's below all five of its weekly moving averages, and 9% below its 200-week average.

CBAN Yearly ROI

YearStart priceEnd priceROI
2020$16.5$14.1-14%
2021$14.1$16.8+19%
2022$16.8$12.9-23%
2023$12.9$13.3+3.1%
2024$13.3$16.3+22%
2025$16.3$18.1+11%
2026 YTD$18.1$20.3+12%

CBAN has the edge over CIFR on returns for 2026, with the stronger performance.

CIFR Yearly ROI

YearStart priceEnd priceROI
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 โˆ’90% in 2022. It's down 53% so far in 2026.

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