CHMG
Chemung Financial Corporation
CHMG's fundamentals are strong, but it looks expensive: trading at 11x earnings, above its usual 9.0x. Analysts expect strong earnings growth.
CIFR
Cipher Mining Inc.
There isn't enough reported data to score CIFR yet.
CHMG Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
CHMG's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like CHMG.
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.
CHMG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.7x | $61.52 | -28% |
| Fair | 9x | $71.85 | -16% |
| Forward | 10x | $85.69 | — |
| Current | 11x | $85.69 | — |
| Expensive | 12x | $96.93 | +13% |
Historical ranges are pointers, not guarantees.
CHMG's PE is in its expensive range at 11x. If earnings grow as analysts expect, today's price would be 10x next year's earnings.
CIFR PE Valuation
CIFR has no meaningful PE right now: it lost money over the past year.
CHMG Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for CHMG, 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.
CHMG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $8.38 | +5.2% |
| Q3 2026 | $7.97 | +188% |
| Q2 2026 | $6.96 | +197% |
| Q1 2026 | $3.79 | -20% |
| Q4 2025 | $3.14 | -37% |
| Q3 2025 | $2.77 | -39% |
| Q2 2025 | $2.34 | -53% |
| Q1 2025 | $4.74 | -9.2% |
| Q4 2024 | $4.96 | -6.1% |
CHMG 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.
CHMG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $32M | +11% |
| Q2 2026 | $31.2M | +209% |
| Q1 2026 | $29.9M | +16% |
| Q4 2025 | $30.5M | +18% |
| Q3 2025 | $28.8M | +18% |
| Q2 2025 | $10.1M | -57% |
| Q1 2025 | $25.7M | +8.3% |
| Q4 2024 | $25.9M | +8.9% |
CHMG has the edge over CIFR on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 52% | +17 points |
| Q2 2026 | 36% | +123 points |
| Q1 2026 | 40% | +9.7 points |
| Q4 2025 | 36% | +7 points |
| Q3 2025 | 35% | +5.2 points |
| Q2 2025 | -87% | -114 points |
| Q1 2025 | 30% | -8.4 points |
| Q4 2024 | 29% | +9.5 points |
CHMG 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.
CHMG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $10.7M | -9.2% |
| Q2 2026 | $8.9M | -5.1% |
| Q1 2026 | $8.9M | +30% |
| Q4 2025 | $15.7M | +265% |
| Q3 2025 | $11.8M | +38% |
| Q2 2025 | $9.4M | +72% |
| Q1 2025 | $6.9M | -13% |
| Q4 2024 | $4.3M | +19% |
CHMG 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.
CHMG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +1.3K shares |
| 1 year | +0.6% | +28.3K shares |
| 3 years | +2.2% | +103K shares |
| 5 years | +3.3% | +155K shares |
| Available history | -0.6% | -30K shares |
CHMG has the edge over CIFR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $58,000 |
| Q2 2026 | $11,000 |
| Q1 2026 | $173,000 |
| Q4 2025 | $295,000 |
| Q3 2025 | $11,000 |
| Q2 2025 | $5,000 |
| Q1 2025 | $85,000 |
| Q4 2024 | $252,000 |
CHMG spent $537,000 buying back its own shares over the past year, up 52% 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.
CHMG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.5x | Net Cash |
| Q2 2026 | -0.6x | Net Cash |
| Q1 2026 | -0.4x | Net Cash |
| Q4 2025 | -0.3x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -14.3x | Net Cash |
| Q1 2025 | -1.8x | Net Cash |
| Q4 2024 | -1.5x | Net Cash |
CHMG has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CHMG.
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.
CHMG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 67.6 | Neutral |
| Stochastic | 70.2 | Neutral |
CHMG's weekly RSI is 68 (neutral) and its Stochastic is 70 (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).
CHMG PE vs Financial Services Sector
| Metric | CHMG | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 17% below |
| PE % | 74 | 63 | 11 pts above |
CHMG is trading at 11x earnings, a 17% 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.
CHMG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $83.2 | 3% above |
| 20 week MA | $81.8 | 4.8% above |
| 50 week MA | $69.3 | 24% above |
| 100 week MA | $59.3 | 45% above |
| 200 week MA | $51.9 | 65% above |
CHMG 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.
CHMG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $42.5 | $33.7 | -21% |
| 2021 | $33.7 | $46.5 | +38% |
| 2022 | $46.5 | $44.9 | -3.4% |
| 2023 | $44.9 | $49.8 | +11% |
| 2024 | $49.8 | $49.4 | -0.8% |
| 2025 | $49.4 | $55.3 | +12% |
| 2026 YTD | $55.3 | $85.7 | +55% |
CHMG 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.