CFFI
C&F Financial Corporation
CFFI's fundamentals are mixed, but it looks expensive: trading at 11x earnings, above its usual 7.3x.
CIFR
Cipher Mining Inc.
There isn't enough reported data to score CIFR yet.
CFFI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CFFI'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 CFFI.
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.
CFFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.3x | $58.98 | -44% |
| Fair | 7.3x | $68.48 | -35% |
| Expensive | 9.8x | $91.59 | -13% |
| Current | 11x | $106 | — |
Historical ranges are pointers, not guarantees.
CFFI's PE is in its expensive range at 11x.
CIFR PE Valuation
CIFR has no meaningful PE right now: it lost money over the past year.
CFFI Forward outlook
There aren't enough analyst estimates for CFFI 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.
CFFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $9.34 | +16% |
| Q2 2026 | $8.97 | +19% |
| Q1 2026 | $8.71 | +31% |
| Q4 2025 | $8.29 | +38% |
| Q3 2025 | $8.06 | +42% |
| Q2 2025 | $7.53 | +31% |
| Q1 2025 | $6.66 | +9.7% |
| Q4 2024 | $6.01 | -13% |
CFFI 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.
CFFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $38.2M | +6.1% |
| Q2 2026 | $40.9M | +12% |
| Q1 2026 | $36.3M | +11% |
| Q4 2025 | $35.9M | +12% |
| Q3 2025 | $36M | +7.6% |
| Q2 2025 | $36.4M | +17% |
| Q1 2025 | $32.6M | +6.3% |
| Q4 2024 | $32.1M | -0.9% |
CFFI has the edge over CIFR on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 27% | +2.1 points |
| Q2 2026 | 27% | +0.1 points |
| Q1 2026 | 23% | +3 points |
| Q4 2025 | 23% | 0 points |
| Q3 2025 | 25% | +4.6 points |
| Q2 2025 | 26% | +6.5 points |
| Q1 2025 | 20% | +7 points |
| Q4 2024 | 23% | +3.4 points |
CFFI 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.
CFFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $26.3M | +16% |
| Q2 2026 | $22.3M | +$27.2M |
| Q1 2026 | -$7.9M | -368% |
| Q4 2025 | $1.5M | -96% |
| Q3 2025 | $22.7M | +$24.3M |
| Q2 2025 | -$5M | -529% |
| Q1 2025 | $2.9M | +618% |
| Q4 2024 | $35.1M | +112% |
CFFI 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.
CFFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -745 shares |
| 1 year | +0.4% | +13.4K shares |
| 3 years | -4.1% | -140K shares |
| 5 years | -8.4% | -299K shares |
| Available history | -5.8% | -199K shares |
CFFI has the edge over CIFR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $14,000 |
| Q2 2026 | $367,000 |
| Q1 2026 | $614,000 |
| Q4 2025 | $507,000 |
| Q3 2025 | — |
| Q2 2025 | $10,000 |
| Q1 2025 | $426,000 |
| Q4 2024 | $969,000 |
CFFI spent $2M buying back its own shares over the past year, up 6.9% 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.
CFFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.2x | Moderate |
| Q2 2026 | 1.6x | Healthy |
| Q1 2026 | 0.1x | Very low |
| Q4 2025 | 1.8x | Healthy |
| Q3 2025 | 0.1x | Very low |
| Q2 2025 | 0.7x | Very low |
| Q1 2025 | 0.7x | Very low |
| Q4 2024 | 2.6x | Moderate |
CFFI's net debt is about 2.2 years of its operating earnings (EBITDA), up from less than a year a year ago. Net leverage isn't a meaningful measure for financial services companies like CFFI.
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.
CFFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 70.7 | Overbought |
| Stochastic | 77.1 | Neutral |
CFFI's weekly RSI is 71 (overbought) and its Stochastic is 77 (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).
CFFI PE vs Financial Services Sector
| Metric | CFFI | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 13% below |
| PE % | 93 | 63 | 30 pts above |
CFFI is trading at 11x earnings, a 13% 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.
CFFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $102.9 | 2.8% above |
| 20 week MA | $93.2 | 14% above |
| 50 week MA | $81.8 | 29% above |
| 100 week MA | $75.3 | 40% above |
| 200 week MA | $65.4 | 62% above |
CFFI 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.
CFFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $55.8 | $37.2 | -33% |
| 2021 | $37.2 | $52.1 | +40% |
| 2022 | $52.1 | $58.0 | +11% |
| 2023 | $58.0 | $68.2 | +18% |
| 2024 | $68.2 | $72.2 | +5.9% |
| 2025 | $72.2 | $71.2 | -1.4% |
| 2026 YTD | $71.2 | $105.8 | +49% |
CFFI 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.