CIFR

Cipher Mining Inc.

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

CIVB

Civista Bancshares, Inc.

55
Fundamentals60/ 100
Valuation39/ 100
Upside potential54/ 100
Risk potential12/ 100

CIVB's fundamentals are mixed, but it looks expensive: trading at 10x earnings, above its usual 8.8x. Analysts expect earnings growth.

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.

CIVB Fundamentals

MetricStatus
Healthy
Strong
N/A
N/A

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

CIFR PE Valuation

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

CIVB PE Valuation

CHEAPFAIREXPENSIVE3.1x6.3x9.4x13x
CHEAPFAIREXPENSIVE3.1x6.3x9.4x13x
LevelPEPriceVs current
Cheap6.4x$17.69-38%
Fair8.8x$24.35-15%
Forward9.8x$28.72—
Expensive10x$28.37-1.2%
Current10x$28.72—

Historical ranges are pointers, not guarantees.

CIVB's PE is in its expensive range at 10x. If earnings grow as analysts expect, today's price would be 9.8x next year's earnings.

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.

CIVB Forward outlook

MetricOutlook
Improving
Growth
Growth
Strongly improving
Limited
High

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

CIFR Risk to reward

ScenarioChangePrice
UpsideUnknown—
DownsideUnknown—

Calculated from the latest close: $7.15 on Nov 12.

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

CIVB Risk to reward

ScenarioChangePrice
Upside+14%$32.88
Downside-12%$25.21

Calculated from the latest close: $28.72 on Nov 12.

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

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.

CIVB Earnings Per Share

Q4 2023: $2.73Q1 2024: $2.32Q2 2024: $2.13Q3 2024: $2.00Q4 2024: $2.01Q1 2025: $2.26Q2 2025: $2.52Q3 2025: $2.67Q4 2025: $2.64Q1 2026: $2.70Q2 2026: $2.68Q3 2026: $2.77Forward: $2.93
Q4 2023: $2.73Q1 2024: $2.32Q2 2024: $2.13Q3 2024: $2.00Q4 2024: $2.01Q1 2025: $2.26Q2 2025: $2.52Q3 2025: $2.67Q4 2025: $2.64Q1 2026: $2.70Q2 2026: $2.68Q3 2026: $2.77Forward: $2.93
QuarterTTM EPSYoY
Forward$2.93+5.8%
Q3 2026$2.77+3.7%
Q2 2026$2.68+6.3%
Q1 2026$2.70+19%
Q4 2025$2.64+31%
Q3 2025$2.67+34%
Q2 2025$2.52+18%
Q1 2025$2.26-2.6%
Q4 2024$2.01-26%

CIVB has the edge over CIFR on earnings quality, reporting a profit while its opponent remains loss making.

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.

CIVB Quarterly Revenue

Q4 2023: $39MQ1 2024: $37MQ2 2024: $38MQ3 2024: $39MQ4 2024: $40MQ1 2025: $41MQ2 2025: $41MQ3 2025: $44MQ4 2025: $46MQ1 2026: $47MQ2 2026: $48MQ3 2026: $49M
Q4 2023: $39MQ1 2024: $37MQ2 2024: $38MQ3 2024: $39MQ4 2024: $40MQ1 2025: $41MQ2 2025: $41MQ3 2025: $44MQ4 2025: $46MQ1 2026: $47MQ2 2026: $48MQ3 2026: $49M
QuarterRevenueYoY
Q3 2026$49.1M+11%
Q2 2026$47.6M+15%
Q1 2026$47.3M+16%
Q4 2025$46.3M+15%
Q3 2025$44.2M+14%
Q2 2025$41.4M+8.1%
Q1 2025$40.6M+10%
Q4 2024$40.4M+3.8%

CIVB has the edge over CIFR on sales, with more consistent year-over-year improvement.

CIFR Free Cash Flow

Q4 2023: −$114MQ1 2024: −$35MQ2 2024: −$33MQ3 2024: −$83MQ4 2024: −$76MQ1 2025: −$72MQ2 2025: −$88MQ3 2025: −$256MQ4 2025: −$280MQ1 2026: −$462MQ2 2026: −$654MQ3 2026: −$1.7B
Q4 2023: −$114MQ1 2024: −$35MQ2 2024: −$33MQ3 2024: −$83MQ4 2024: −$76MQ1 2025: −$72MQ2 2025: −$88MQ3 2025: −$256MQ4 2025: −$280MQ1 2026: −$462MQ2 2026: −$654MQ3 2026: −$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

CIVB has the stronger cash trend. Its trailing FCF is up 102% versus its history, compared with CIFR at down 974%.

CIVB Free Cash Flow

Q4 2023: $840,000Q1 2024: $629,000Q2 2024: $12MQ3 2024: $13MQ4 2024: --Q1 2025: $3MQ2 2025: $11MQ3 2025: $19MQ4 2025: --Q1 2026: $12MQ2 2026: $17MQ3 2026: $28M
Q4 2023: $840,000Q1 2024: $629,000Q2 2024: $12MQ3 2024: $13MQ4 2024: --Q1 2025: $3MQ2 2025: $11MQ3 2025: $19MQ4 2025: --Q1 2026: $12MQ2 2026: $17MQ3 2026: $28M
QuarterFree cash flowYoY
Q3 2026$27.6M+45%
Q2 2026$17.1M+54%
Q1 2026$12.2M+253%
Q3 2025$19M+47%
Q2 2025$11.1M-7.4%
Q1 2025$3.5M+449%
Q3 2024$12.9M-38%
Q2 2024$12M-38%

CIVB's free cash flow was $76M over the past year, up 92% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CIVB.

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.

CIVB Total Shares

Q4 2023: 15MQ1 2024: 15MQ2 2024: 15MQ3 2024: 15MQ4 2024: 15MQ1 2025: 15MQ2 2025: 15MQ3 2025: 19MQ4 2025: 17MQ1 2026: 21MQ2 2026: 21MQ3 2026: 21M
Q4 2023: 15MQ1 2024: 15MQ2 2024: 15MQ3 2024: 15MQ4 2024: 15MQ1 2025: 15MQ2 2025: 15MQ3 2025: 19MQ4 2025: 17MQ1 2026: 21MQ2 2026: 21MQ3 2026: 21M
PeriodChange %Net change
Quarterly-0.1%-10.5K shares
1 year+11%+2M shares
3 years+32%+5M shares
5 years+37%+5.6M shares
Available history+23%+3.8M shares

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

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.

CIVB Net Leverage

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

CIVB Weekly Momentum

MetricValueStatus
RSI63.3Neutral
Stochastic65.3Neutral

CIVB's weekly RSI is 63 (neutral) and its Stochastic is 65 (neutral).

CIFR PE vs Financial Services Sector

MetricCIFRSector medianRelative
PEN/A13x—

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

CIVB PE vs Financial Services Sector

MetricCIVBSector medianRelative
PE10x13x20% below
PE %856322 pts above

CIVB is trading at 10x earnings, a 20% discount to the Financial Services sector's median of 13x.

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.

CIVB Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$27.64% above
20 week MA$27.93% above
50 week MA$25.712% above
100 week MA$23.423% above
200 week MA$20.342% above

CIVB has the edge over CIFR on trend strength, trading above more of its moving averages.

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 −90% in 2022. It's down 53% so far in 2026.

CIVB Yearly ROI

YearStart priceEnd priceROI
2020$23.9$16.8-30%
2021$16.8$24.6+46%
2022$24.6$22.1-10%
2023$22.1$18.4-16%
2024$18.4$21.1+14%
2025$21.1$23.0+9.1%
2026 YTD$23.0$28.7+25%

CIVB has the edge over CIFR on returns for 2026, with the stronger performance.

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