CFBK
CF Bankshares Inc.
CFBK's fundamentals are strong, but it looks expensive: trading at 10x earnings, above its usual 7.7x. Analysts expect strong earnings growth.
CIFR
Cipher Mining Inc.
There isn't enough reported data to score CIFR yet.
CFBK Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CFBK's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CFBK.
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.
CFBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.8x | $16.50 | -53% |
| Fair | 7.7x | $26.58 | -25% |
| Forward | 8.7x | $35.32 | — |
| Current | 10x | $35.32 | — |
| Expensive | 11x | $37.27 | +5.5% |
Historical ranges are pointers, not guarantees.
CFBK's PE is in its expensive range at 10x. If earnings grow as analysts expect, today's price would be 8.7x next year's earnings.
CIFR PE Valuation
CIFR has no meaningful PE right now: it lost money over the past year.
CFBK Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CFBK, 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.
CFBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.08 | +18% |
| Q3 2026 | $3.46 | +39% |
| Q2 2026 | $2.91 | +4.7% |
| Q1 2026 | $2.78 | +22% |
| Q4 2025 | $2.69 | +31% |
| Q3 2025 | $2.49 | +21% |
| Q2 2025 | $2.78 | +38% |
| Q1 2025 | $2.27 | -6.2% |
| Q4 2024 | $2.06 | -22% |
CFBK 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.
CFBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $16.7M | +7.7% |
| Q2 2026 | $16.5M | +6.2% |
| Q1 2026 | $14.8M | +4.9% |
| Q4 2025 | $15.7M | +13% |
| Q3 2025 | $15.5M | +19% |
| Q2 2025 | $15.6M | +24% |
| Q1 2025 | $14.1M | +16% |
| Q4 2024 | $14M | +9.3% |
CFBK has the edge over CIFR on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | +27 points |
| Q2 2026 | 44% | +2.8 points |
| Q1 2026 | 40% | +0.3 points |
| Q4 2025 | 43% | +6.5 points |
| Q3 2025 | 17% | -23 points |
| Q2 2025 | 41% | +26 points |
| Q1 2025 | 40% | +8.6 points |
| Q4 2024 | 37% | -3.5 points |
CFBK 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.
CFBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $8.4M | +61% |
| Q2 2026 | $5M | -36% |
| Q1 2026 | $4.6M | +115% |
| Q4 2025 | $3M | -76% |
| Q3 2025 | $5.2M | +$6.5M |
| Q2 2025 | $7.8M | +97% |
| Q1 2025 | $2.2M | +$3.3M |
| Q4 2024 | $12.4M | +56% |
CFBK 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.
CFBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.8% | +112K shares |
| 1 year | +2% | +129K shares |
| 3 years | +0.3% | +18.9K shares |
| 5 years | -2.7% | -182K shares |
| Available history | +40% | +1.8M shares |
CFBK has the edge over CIFR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $150,000 |
| Q4 2025 | $440,000 |
| Q3 2025 | $76,000 |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | $44,000 |
| Q1 2024 | $179,000 |
| Q4 2022 | — |
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.
CFBK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -8.4x | Net Cash |
| Q2 2026 | -10.3x | Net Cash |
| Q1 2026 | -11.3x | Net Cash |
| Q4 2025 | -11.1x | Net Cash |
| Q3 2025 | -12.7x | Net Cash |
| Q2 2025 | -11.4x | Net Cash |
| Q1 2025 | -12.3x | Net Cash |
| Q4 2024 | -13.3x | Net Cash |
CFBK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CFBK.
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.
CFBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.7 | Neutral |
| Stochastic | 31.5 | Neutral |
CFBK's weekly RSI is 63 (neutral) and its Stochastic is 31 (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).
CFBK PE vs Financial Services Sector
| Metric | CFBK | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 22% below |
| PE % | 75 | 63 | 12 pts above |
CFBK is trading at 10x earnings, a 22% 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.
CFBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $34.4 | 2.7% above |
| 20 week MA | $34.4 | 2.7% above |
| 50 week MA | $30.9 | 14% above |
| 100 week MA | $27.2 | 30% above |
| 200 week MA | $23.5 | 51% above |
CFBK 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.
CFBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.1 | $18.0 | +28% |
| 2021 | $18.0 | $21.5 | +19% |
| 2022 | $21.5 | $21.4 | -0.4% |
| 2023 | $21.4 | $19.5 | -8.8% |
| 2024 | $19.5 | $23.9 | +23% |
| 2025 | $23.9 | $25.9 | +8.2% |
| 2026 YTD | $25.9 | $35.3 | +36% |
CFBK 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.