CIFR

Cipher Mining Inc.

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

ECBK

ECB Bancorp, Inc.

71
Fundamentals83/ 100
Valuation82/ 100
Upside potential63/ 100
Risk potential11/ 100

ECBK's fundamentals are strong and it looks cheap: trading at 14x earnings, about half its usual 25x.

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.

ECBK Fundamentals

MetricStatus
Healthy
Strong
N/A
N/A

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

CIFR PE Valuation

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

ECBK PE Valuation

CHEAPFAIREXPENSIVE13x27x40x54x
CHEAPFAIREXPENSIVE13x27x40x54x
LevelPEPriceVs current
Current14x$20.45—
Cheap18x$26.66+30%
Fair25x$37.12+82%
Expensive39x$58.32+185%

Historical ranges are pointers, not guarantees.

ECBK's PE is in its cheap range at 14x.

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.

ECBK Forward outlook

There aren't enough analyst estimates for ECBK to show an outlook.

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 ECBK's risk to reward.

ECBK Risk to reward

ScenarioChangePrice
Upside+19%$24.35
Downside-11%$18.17

Calculated from the latest close: $20.45 on Nov 12.

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

ECBK Earnings Per Share

Q4 2023: $0.52Q1 2024: $0.48Q2 2024: $0.40Q3 2024: $0.38Q4 2024: $0.48Q1 2025: $0.57Q2 2025: $0.65Q3 2025: $0.80Q4 2025: $0.94Q1 2026: $1.16Q2 2026: $1.38Q3 2026: $1.49
Q4 2023: $0.52Q1 2024: $0.48Q2 2024: $0.40Q3 2024: $0.38Q4 2024: $0.48Q1 2025: $0.57Q2 2025: $0.65Q3 2025: $0.80Q4 2025: $0.94Q1 2026: $1.16Q2 2026: $1.38Q3 2026: $1.49
QuarterTTM EPSYoY
Q3 2026$1.49+86%
Q2 2026$1.38+112%
Q1 2026$1.16+104%
Q4 2025$0.94+96%
Q3 2025$0.80+111%
Q2 2025$0.65+63%
Q1 2025$0.57+19%
Q4 2024$0.48-7.7%

ECBK 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.

ECBK Quarterly Revenue

Q4 2023: $6MQ1 2024: $6MQ2 2024: $6MQ3 2024: $7MQ4 2024: $7MQ1 2025: $7MQ2 2025: $8MQ3 2025: $9MQ4 2025: $10MQ1 2026: $10MQ2 2026: $10MQ3 2026: $11M
Q4 2023: $6MQ1 2024: $6MQ2 2024: $6MQ3 2024: $7MQ4 2024: $7MQ1 2025: $7MQ2 2025: $8MQ3 2025: $9MQ4 2025: $10MQ1 2026: $10MQ2 2026: $10MQ3 2026: $11M
QuarterRevenueYoY
Q3 2026$11.1M+26%
Q2 2026$10.3M+29%
Q1 2026$10.2M+47%
Q4 2025$9.5M+34%
Q3 2025$8.8M+33%
Q2 2025$8M+27%
Q1 2025$6.9M+11%
Q4 2024$7.1M+15%

ECBK 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.

ECBK Free Cash Flow

Q4 2023: $3MQ1 2024: −$449,000Q2 2024: $1MQ3 2024: $861,000Q4 2024: $4MQ1 2025: −$649,000Q2 2025: $2MQ3 2025: $4MQ4 2025: $4MQ1 2026: $3MQ2 2026: $12MQ3 2026: $3M
Q4 2023: $3MQ1 2024: −$449,000Q2 2024: $1MQ3 2024: $861,000Q4 2024: $4MQ1 2025: −$649,000Q2 2025: $2MQ3 2025: $4MQ4 2025: $4MQ1 2026: $3MQ2 2026: $12MQ3 2026: $3M
QuarterFree cash flowYoY
Q3 2026$3.4M-13%
Q2 2026$11.8M+538%
Q1 2026$2.8M+$3.5M
Q4 2025$3.9M-14%
Q3 2025$4M+359%
Q2 2025$1.8M+37%
Q1 2025-$649K-$200K
Q4 2024$4.5M+77%

ECBK 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 440M diluted shares, up 12% from a year ago, despite $151M in buybacks over the past year.

ECBK Total Shares

Q4 2023: 9MQ1 2024: 8MQ2 2024: 8MQ3 2024: 8MQ4 2024: 8MQ1 2025: 8MQ2 2025: 8MQ3 2025: 8MQ4 2025: 8MQ1 2026: 8MQ2 2026: 8MQ3 2026: 8M
Q4 2023: 9MQ1 2024: 8MQ2 2024: 8MQ3 2024: 8MQ4 2024: 8MQ1 2025: 8MQ2 2025: 8MQ3 2025: 8MQ4 2025: 8MQ1 2026: 8MQ2 2026: 8MQ3 2026: 8M
PeriodChange %Net change
Quarterly+0.7%+56.5K shares
1 year+1.4%+119K shares
3 years-1.1%-93.4K shares

ECBK 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.

ECBK Net Leverage

Q4 2023: 36.8xQ1 2024: 37.7xQ2 2024: 44.1xQ3 2024: 47.9xQ4 2024: 40.2xQ1 2025: 35.0xQ2 2025: 34.9xQ3 2025: 28.1xQ4 2025: 26.3xQ1 2026: 19.5xQ2 2026: 17.9xQ3 2026: 16.3x
Q4 2023: 36.8xQ1 2024: 37.7xQ2 2024: 44.1xQ3 2024: 47.9xQ4 2024: 40.2xQ1 2025: 35.0xQ2 2025: 34.9xQ3 2025: 28.1xQ4 2025: 26.3xQ1 2026: 19.5xQ2 2026: 17.9xQ3 2026: 16.3x
QuarterNet LeverageStatus
Q3 202616.3xHigh
Q2 202617.9xHigh
Q1 202619.5xHigh
Q4 202526.3xHigh
Q3 202528.1xHigh
Q2 202534.9xHigh
Q1 202535.0xHigh
Q4 202440.2xHigh

ECBK's net debt is about 16 years of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like ECBK.

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

ECBK Weekly Momentum

MetricValueStatus
RSI52.2Neutral
Stochastic56.6Neutral

ECBK's weekly RSI is 52 (neutral) and its Stochastic is 57 (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.

ECBK PE vs Financial Services Sector

MetricECBKSector medianRelative
PE14x13x5.4% above
PE %05858 pts below

ECBK 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.

ECBK Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$20.91.9% below
20 week MA$20.71.1% below
50 week MA$18.98% above
100 week MA$17.318% above
200 week MA$15.235% above

ECBK 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.

ECBK Yearly ROI

YearStart priceEnd priceROI
2022$14.0$16.1+15%
2023$16.1$12.6-22%
2024$12.6$14.9+19%
2025$14.9$17.3+16%
2026 YTD$17.3$20.5+18%

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

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