CBU
Community Bank System, Inc.
CBU's fundamentals are mixed: revenue grew 10%, while its operating margin rose 1 points to 35%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
CIFR
Cipher Mining Inc.
There isn't enough reported data to score CIFR yet.
CBU Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CBU's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CBU.
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.
CBU PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 13x | $64.49 | — |
| Cheap | 15x | $67.52 | +4.7% |
| Current | 15x | $64.49 | — |
| Fair | 19x | $82.32 | +28% |
| Expensive | 21x | $93.38 | +45% |
Historical ranges are pointers, not guarantees.
CBU's PE is 15x, but its earnings don't support one, so it isn't a reliable read right now.
CIFR PE Valuation
CIFR has no meaningful PE right now: it lost money over the past year.
CBU Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Stable | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CBU, with profitability holding steady.
CIFR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses shrinking | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
CIFR has the edge over CBU on the outlook, with more favorable profitability expectations.
CBU Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.98 | +12% |
| Q3 2026 | $4.43 | +14% |
| Q2 2026 | $4.31 | +17% |
| Q1 2026 | $4.12 | +14% |
| Q4 2025 | $3.97 | +15% |
| Q3 2025 | $3.88 | +24% |
| Q2 2025 | $3.67 | +18% |
| Q1 2025 | $3.61 | +16% |
| Q4 2024 | $3.44 | +40% |
CBU 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.
CBU Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $231.6M | +11% |
| Q2 2026 | $219.8M | +9.6% |
| Q1 2026 | $215.2M | +9.1% |
| Q4 2025 | $217M | +11% |
| Q3 2025 | $208.1M | +10% |
| Q2 2025 | $200.5M | +9.1% |
| Q1 2025 | $197.3M | +11% |
| Q4 2024 | $196.3M | +11% |
CBU has the edge over CIFR on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 35% | -0.3 points |
| Q2 2026 | 37% | +3.8 points |
| Q1 2026 | 35% | +2.1 points |
| Q4 2025 | 33% | +0.3 points |
| Q3 2025 | 35% | +5 points |
| Q2 2025 | 33% | -0.8 points |
| Q1 2025 | 33% | +2.6 points |
| Q4 2024 | 33% | +8.1 points |
CBU 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.
CBU Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $106.4M | +28% |
| Q2 2026 | $41.4M | +14% |
| Q1 2026 | $60.3M | +16% |
| Q4 2025 | $61.6M | +5.2% |
| Q3 2025 | $83.4M | +61% |
| Q2 2025 | $36.4M | +7.7% |
| Q1 2025 | $52M | -33% |
| Q4 2024 | $58.5M | +46% |
CBU 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.
CBU Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +17K shares |
| 1 year | 0% | -4K shares |
| 3 years | -1.5% | -806K shares |
| 5 years | -3% | -1.6M shares |
| Available history | +1.1% | +552K shares |
CBU has the edge over CIFR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $15.8M |
| Q2 2026 | $564,000 |
| Q1 2026 | $15.5M |
| Q4 2025 | $44,000 |
| Q3 2025 | $11M |
| Q2 2025 | $42,000 |
| Q1 2025 | $48,000 |
| Q4 2024 | $47,000 |
CBU spent $32M buying back its own shares over the past year, up 186% from 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.
CBU Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.2x | Net Cash |
| Q2 2026 | -0.8x | Net Cash |
| Q1 2026 | -1.8x | Net Cash |
| Q4 2025 | -1.0x | Net Cash |
| Q3 2025 | -0.8x | Net Cash |
| Q2 2025 | -0.9x | Net Cash |
| Q1 2025 | -1.9x | Net Cash |
| Q4 2024 | 3.0x | Elevated |
CBU has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CBU.
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.
CBU Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.5 | Neutral |
| Stochastic | 65.5 | Neutral |
CBU's weekly RSI is 55 (neutral) and its Stochastic is 66 (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).
CBU PE vs Financial Services Sector
| Metric | CBU | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 12% above |
| PE % | 7 | 63 | 56 pts below |
CBU is trading at 15x earnings, a 12% premium to the Financial Services sector's median of 13x, though its earnings don't support one.
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.
CBU Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $61.9 | 4.2% above |
| 20 week MA | $63.8 | 1.1% above |
| 50 week MA | $62.6 | 3% above |
| 100 week MA | $60.4 | 6.8% above |
| 200 week MA | $55.9 | 15% above |
CBU 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.
CBU Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $70.6 | $62.6 | -11% |
| 2021 | $62.6 | $74.2 | +18% |
| 2022 | $74.2 | $62.3 | -16% |
| 2023 | $62.3 | $52.1 | -16% |
| 2024 | $52.1 | $62.3 | +20% |
| 2025 | $62.3 | $59.0 | -5.2% |
| 2026 YTD | $59.0 | $64.5 | +9.2% |
CBU 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.