CCNE

CNB Financial Corporation

62
Fundamentals83/ 100
Valuation40/ 100
Upside potential65/ 100
Risk potential13/ 100

CCNE's fundamentals are strong, but it looks expensive: trading at 11x earnings, above its usual 9.5x. Analysts expect earnings growth.

CIFR

Cipher Mining Inc.

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

CCNE Fundamentals

MetricStatus
Healthy
Strong
N/A
N/A

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

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.

CCNE PE Valuation

CHEAPFAIREXPENSIVE4.1x8.2x12x16x
CHEAPFAIREXPENSIVE4.1x8.2x12x16x
LevelPEPriceVs current
Cheap6.8x$22.90-36%
Fair9.4x$31.75-11%
Forward9.8x$35.64โ€”
Current11x$35.64โ€”
Expensive12x$41.88+17%

Historical ranges are pointers, not guarantees.

CCNE's PE is in its expensive range at 11x. If earnings grow as analysts expect, today's price would be 9.8x next year's earnings, in its fair range.

CIFR PE Valuation

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

CCNE Forward outlook

MetricOutlook
Improving
Growth
Growth
Improving
Limited
High

Analysts expect earnings and revenue growth for CCNE, with profitability improving.

CIFR Forward outlook

MetricOutlook
--
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.

CCNE Risk to reward

ScenarioChangePrice
Upside+24%$44.27
Downside-13%$30.95

Calculated from the latest close: $35.64 on Nov 12.

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

CCNE Earnings Per Share

Q4 2023: $2.55Q1 2024: $2.37Q2 2024: $2.32Q3 2024: $2.33Q4 2024: $2.39Q1 2025: $2.34Q2 2025: $2.39Q3 2025: $2.00Q4 2025: $1.99Q1 2026: $2.37Q2 2026: $2.67Q3 2026: $3.36Forward: $3.64
Q4 2023: $2.55Q1 2024: $2.37Q2 2024: $2.32Q3 2024: $2.33Q4 2024: $2.39Q1 2025: $2.34Q2 2025: $2.39Q3 2025: $2.00Q4 2025: $1.99Q1 2026: $2.37Q2 2026: $2.67Q3 2026: $3.36Forward: $3.64
QuarterTTM EPSYoY
Forward$3.64+8.2%
Q3 2026$3.36+68%
Q2 2026$2.67+12%
Q1 2026$2.37+1.3%
Q4 2025$1.99-17%
Q3 2025$2.00-14%
Q2 2025$2.39+3%
Q1 2025$2.34-1.3%
Q4 2024$2.39-6.3%

CCNE 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.

CCNE Quarterly Revenue

Q4 2023: $57MQ1 2024: $54MQ2 2024: $55MQ3 2024: $58MQ4 2024: $59MQ1 2025: $57MQ2 2025: $61MQ3 2025: $78MQ4 2025: $86MQ1 2026: $83MQ2 2026: $88MQ3 2026: $88M
Q4 2023: $57MQ1 2024: $54MQ2 2024: $55MQ3 2024: $58MQ4 2024: $59MQ1 2025: $57MQ2 2025: $61MQ3 2025: $78MQ4 2025: $86MQ1 2026: $83MQ2 2026: $88MQ3 2026: $88M
QuarterRevenueYoY
Q3 2026$87.8M+13%
Q2 2026$87.6M+43%
Q1 2026$83.3M+46%
Q4 2025$86.4M+45%
Q3 2025$77.7M+33%
Q2 2025$61.2M+12%
Q1 2025$56.9M+5.1%
Q4 2024$59.4M+4.5%

CCNE 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.

CCNE Free Cash Flow

Q4 2023: $16MQ1 2024: $10MQ2 2024: $4MQ3 2024: $22MQ4 2024: $19MQ1 2025: $10MQ2 2025: $18MQ3 2025: $5MQ4 2025: $26MQ1 2026: $19MQ2 2026: $36MQ3 2026: $4M
Q4 2023: $16MQ1 2024: $10MQ2 2024: $4MQ3 2024: $22MQ4 2024: $19MQ1 2025: $10MQ2 2025: $18MQ3 2025: $5MQ4 2025: $26MQ1 2026: $19MQ2 2026: $36MQ3 2026: $4M
QuarterFree cash flowYoY
Q3 2026$3.6M-26%
Q2 2026$36M+101%
Q1 2026$18.8M+91%
Q4 2025$26M+38%
Q3 2025$4.9M-78%
Q2 2025$17.9M+332%
Q1 2025$9.9M-1.4%
Q4 2024$18.8M+19%

CCNE 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.

CCNE Total Shares

Q4 2023: 21MQ1 2024: 21MQ2 2024: 21MQ3 2024: 21MQ4 2024: 21MQ1 2025: 21MQ2 2025: 21MQ3 2025: 27MQ4 2025: 25MQ1 2026: 29MQ2 2026: 29MQ3 2026: 30M
Q4 2023: 21MQ1 2024: 21MQ2 2024: 21MQ3 2024: 21MQ4 2024: 21MQ1 2025: 21MQ2 2025: 21MQ3 2025: 27MQ4 2025: 25MQ1 2026: 29MQ2 2026: 29MQ3 2026: 30M
PeriodChange %Net change
Quarterly+0.1%+41K shares
1 year+8.3%+2.3M shares
3 years+41%+8.6M shares
5 years+75%+12.7M shares
Available history+95%+14.4M shares

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

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 440M diluted shares, up 12% from a year ago, despite $151M in buybacks over the past year.

CCNE Net Leverage

Q4 2023: -1.7xQ1 2024: -2.9xQ2 2024: -3.4xQ3 2024: -3.8xQ4 2024: -4.7xQ1 2025: -5.8xQ2 2025: -4.5xQ3 2025: -2.5xQ4 2025: -3.0xQ1 2026: -3.1xQ2 2026: -1.9xQ3 2026: -0.8x
Q4 2023: -1.7xQ1 2024: -2.9xQ2 2024: -3.4xQ3 2024: -3.8xQ4 2024: -4.7xQ1 2025: -5.8xQ2 2025: -4.5xQ3 2025: -2.5xQ4 2025: -3.0xQ1 2026: -3.1xQ2 2026: -1.9xQ3 2026: -0.8x
QuarterNet LeverageStatus
Q3 2026-0.8xNet Cash
Q2 2026-1.9xNet Cash
Q1 2026-3.1xNet Cash
Q4 2025-3.0xNet Cash
Q3 2025-2.5xNet Cash
Q2 2025-4.5xNet Cash
Q1 2025-5.8xNet Cash
Q4 2024-4.7xNet Cash

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

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.

CCNE Weekly Momentum

MetricValueStatus
RSI64.7Neutral
Stochastic66.7Neutral

CCNE's weekly RSI is 65 (neutral) and its Stochastic is 67 (neutral).

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

CCNE PE vs Financial Services Sector

MetricCCNESector medianRelative
PE11x13x19% below
PE %71638 pts above

CCNE is trading at 11x earnings, a 19% 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.

CCNE Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$34.72.6% above
20 week MA$34.53.3% above
50 week MA$31.314% above
100 week MA$27.629% above
200 week MA$24.347% above

CCNE 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.

CCNE Yearly ROI

YearStart priceEnd priceROI
2020$32.8$20.9-36%
2021$20.9$26.7+28%
2022$26.7$24.1-9.7%
2023$24.1$22.6-6.3%
2024$22.6$24.9+10%
2025$24.9$26.8+7.7%
2026 YTD$26.8$35.6+33%

CCNE 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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