CIFR

Cipher Mining Inc.

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

CZNC

Citizens & Northern Corporation

58
Fundamentals64/ 100
Valuation45/ 100
Upside potential64/ 100
Risk potential13/ 100

CZNC's fundamentals are mixed: revenue grew 34%, while its operating margin held steady at 29%. At 14x earnings, it's trading in line with its usual 13x. 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.

CZNC Fundamentals

MetricStatus
Healthy
Strong
N/A
N/A

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

CIFR PE Valuation

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

CZNC PE Valuation

CHEAPFAIREXPENSIVE5.4x11x16x22x
CHEAPFAIREXPENSIVE5.4x11x16x22x
LevelPEPriceVs current
Forward10x$28.02—
Cheap11x$23.17-17%
Fair13x$26.50-5.4%
Current14x$28.02—
Expensive16x$32.44+16%

Historical ranges are pointers, not guarantees.

CZNC's PE is in its fair range at 14x. If earnings grow as analysts expect, today's price would be 10x next year's earnings, in its cheap range.

CIFR Forward outlook

MetricOutlook
--
Losses shrinking
Strong growth
Strongly improving
Limited
Low

CIFR has the edge over CZNC on the outlook, with more favorable revenue expectations.

CZNC Forward outlook

MetricOutlook
Strongly improving
Growth
Stable
Strongly improving
Limited
High

Analysts expect CZNC's earnings to grow and its profitability to improve, with its revenue holding steady.

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 CZNC's risk to reward.

CZNC Risk to reward

ScenarioChangePrice
Upside+23%$34.39
Downside-13%$24.41

Calculated from the latest close: $28.02 on Nov 12.

There is not enough scenario data to compare CIFR and CZNC'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.

CZNC Earnings Per Share

Q4 2023: $1.57Q1 2024: $1.52Q2 2024: $1.53Q3 2024: $1.44Q4 2024: $1.69Q1 2025: $1.75Q2 2025: $1.75Q3 2025: $1.76Q4 2025: $1.52Q1 2026: $1.13Q2 2026: $1.52Q3 2026: $2.02Forward: $2.76
Q4 2023: $1.57Q1 2024: $1.52Q2 2024: $1.53Q3 2024: $1.44Q4 2024: $1.69Q1 2025: $1.75Q2 2025: $1.75Q3 2025: $1.76Q4 2025: $1.52Q1 2026: $1.13Q2 2026: $1.52Q3 2026: $2.02Forward: $2.76
QuarterTTM EPSYoY
Forward$2.76+37%
Q3 2026$2.02+15%
Q2 2026$1.52-13%
Q1 2026$1.13-35%
Q4 2025$1.52-10%
Q3 2025$1.76+22%
Q2 2025$1.75+14%
Q1 2025$1.75+15%
Q4 2024$1.69+7.6%

CZNC 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.

CZNC Quarterly Revenue

Q4 2023: $25MQ1 2024: $26MQ2 2024: $27MQ3 2024: $27MQ4 2024: $28MQ1 2025: $27MQ2 2025: $29MQ3 2025: $30MQ4 2025: $37MQ1 2026: $37MQ2 2026: $39MQ3 2026: $40M
Q4 2023: $25MQ1 2024: $26MQ2 2024: $27MQ3 2024: $27MQ4 2024: $28MQ1 2025: $27MQ2 2025: $29MQ3 2025: $30MQ4 2025: $37MQ1 2026: $37MQ2 2026: $39MQ3 2026: $40M
QuarterRevenueYoY
Q3 2026$39.6M+34%
Q2 2026$39.4M+35%
Q1 2026$36.6M+36%
Q4 2025$36.9M+32%
Q3 2025$29.6M+8.3%
Q2 2025$29.3M+7.3%
Q1 2025$27M+4.9%
Q4 2024$28M+11%

CZNC 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

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.

CZNC Free Cash Flow

Q4 2023: $7MQ1 2024: $5MQ2 2024: $8MQ3 2024: $6MQ4 2024: $12MQ1 2025: $1MQ2 2025: $8MQ3 2025: $11MQ4 2025: $10MQ1 2026: $8MQ2 2026: $15MQ3 2026: $18M
Q4 2023: $7MQ1 2024: $5MQ2 2024: $8MQ3 2024: $6MQ4 2024: $12MQ1 2025: $1MQ2 2025: $8MQ3 2025: $11MQ4 2025: $10MQ1 2026: $8MQ2 2026: $15MQ3 2026: $18M
QuarterFree cash flowYoY
Q3 2026$18M+65%
Q2 2026$15.3M+90%
Q1 2026$8.5M+713%
Q4 2025$10.1M-14%
Q3 2025$10.9M+69%
Q2 2025$8M+0.7%
Q1 2025$1M-79%
Q4 2024$11.7M+71%

CZNC has the edge over CIFR on cash generation, producing positive trailing cash flow while its opponent burns cash.

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 the edge over CZNC on shareholder dilution, with a more favorable share count trend.

CZNC Total Shares

Q4 2023: 15MQ1 2024: 15MQ2 2024: 15MQ3 2024: 15MQ4 2024: 15MQ1 2025: 15MQ2 2025: 15MQ3 2025: 15MQ4 2025: 16MQ1 2026: 18MQ2 2026: 18MQ3 2026: 18M
Q4 2023: 15MQ1 2024: 15MQ2 2024: 15MQ3 2024: 15MQ4 2024: 15MQ1 2025: 15MQ2 2025: 15MQ3 2025: 15MQ4 2025: 16MQ1 2026: 18MQ2 2026: 18MQ3 2026: 18M
PeriodChange %Net change
Quarterly+0.1%+21.5K shares
1 year+16%+2.4M shares
3 years+17%+2.6M shares
5 years+13%+2.1M shares
Available history+34%+4.5M shares

CZNC has 18M diluted shares, up 16% from a year ago.

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.

CZNC Net Leverage

Q4 2023: 0.5xQ1 2024: 1.3xQ2 2024: -1.4xQ3 2024: -4.5xQ4 2024: -2.5xQ1 2025: -2.1xQ2 2025: -1.7xQ3 2025: -2.3xQ4 2025: 0.7xQ1 2026: -0.1xQ2 2026: -1.3xQ3 2026: -1.5x
Q4 2023: 0.5xQ1 2024: 1.3xQ2 2024: -1.4xQ3 2024: -4.5xQ4 2024: -2.5xQ1 2025: -2.1xQ2 2025: -1.7xQ3 2025: -2.3xQ4 2025: 0.7xQ1 2026: -0.1xQ2 2026: -1.3xQ3 2026: -1.5x
QuarterNet LeverageStatus
Q3 2026-1.5xNet Cash
Q2 2026-1.3xNet Cash
Q1 2026-0.1xNet Cash
Q4 20250.7xVery low
Q3 2025-2.3xNet Cash
Q2 2025-1.7xNet Cash
Q1 2025-2.1xNet Cash
Q4 2024-2.5xNet Cash

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

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

CZNC Weekly Momentum

MetricValueStatus
RSI71.4Overbought
Stochastic80.4Overbought

CZNC's weekly RSI is 71 (overbought) and its Stochastic is 80 (overbought).

CIFR PE vs Financial Services Sector

MetricCIFRSector medianRelative
PEN/A13x—

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

CZNC PE vs Financial Services Sector

MetricCZNCSector medianRelative
PE14x13x6.6% above
PE %64631 pt above

CZNC is trading at 14x earnings, in line with 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.

CZNC Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$26.75% above
20 week MA$25.79.1% above
50 week MA$23.519% above
100 week MA$21.530% above
200 week MA$20.636% above

CZNC 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.

CZNC Yearly ROI

YearStart priceEnd priceROI
2020$27.4$19.2-30%
2021$19.2$26.1+36%
2022$26.1$23.3-11%
2023$23.3$22.4-3.9%
2024$22.4$18.5-17%
2025$18.5$20.6+11%
2026 YTD$20.6$28.0+36%

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

Give your agent the market.

Get API key