CIFR

Cipher Mining Inc.

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

EFSI

Eagle Financial Services, Inc.

53
Fundamentals80/ 100
Valuation26/ 100
Upside potential31/ 100
Risk potential18/ 100

EFSI's fundamentals are strong, but it looks expensive: trading at 14x earnings, above its usual 11x. Analysts expect earnings to hold roughly steady.

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.

EFSI Fundamentals

MetricStatus
Healthy
Strong
N/A
N/A

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

CIFR PE Valuation

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

EFSI PE Valuation

CHEAPFAIREXPENSIVE7.8x16x24x31x
CHEAPFAIREXPENSIVE7.8x16x24x31x
LevelPEPriceVs current
Cheap9x$29.71-35%
Fair10x$34.48-25%
Expensive13x$42.55-7.5%
Forward13x$46.00—
Current14x$46.00—

Historical ranges are pointers, not guarantees.

EFSI's PE is in its expensive range at 14x. On analysts' estimates for next year's earnings, today's price would be 13x.

CIFR Forward outlook

MetricOutlook
--
Losses shrinking
Strong growth
Strongly improving
Limited
Low

CIFR has the edge over EFSI on the outlook, with more favorable earnings and profitability expectations.

EFSI Forward outlook

MetricOutlook
Stable
Stable
Growth
Weakening
Limited
High

Analysts expect EFSI's revenue to grow, but its profitability to weaken.

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 EFSI's risk to reward.

EFSI Risk to reward

ScenarioChangePrice
Upside+8%$49.82
Downside-18%$37.63

Calculated from the latest close: $46.00 on Nov 12.

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

EFSI Earnings Per Share

Q4 2023: $2.66Q1 2024: $2.65Q2 2024: $2.96Q3 2024: $3.27Q4 2024: $4.32Q1 2025: $2.07Q2 2025: $2.16Q3 2025: $2.23Q4 2025: $1.30Q1 2026: $3.52Q2 2026: $3.46Q3 2026: $3.30Forward: $3.42
Q4 2023: $2.66Q1 2024: $2.65Q2 2024: $2.96Q3 2024: $3.27Q4 2024: $4.32Q1 2025: $2.07Q2 2025: $2.16Q3 2025: $2.23Q4 2025: $1.30Q1 2026: $3.52Q2 2026: $3.46Q3 2026: $3.30Forward: $3.42
QuarterTTM EPSYoY
Forward$3.42+3.8%
Q3 2026$3.30+48%
Q2 2026$3.46+60%
Q1 2026$3.52+70%
Q4 2025$1.30-70%
Q3 2025$2.23-32%
Q2 2025$2.16-27%
Q1 2025$2.07-22%
Q4 2024$4.32+62%

EFSI 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.

EFSI Quarterly Revenue

Q4 2023: $16MQ1 2024: $16MQ2 2024: $16MQ3 2024: $18MQ4 2024: $22MQ1 2025: $5MQ2 2025: $21MQ3 2025: $22MQ4 2025: $22MQ1 2026: $21MQ2 2026: $26MQ3 2026: $23M
Q4 2023: $16MQ1 2024: $16MQ2 2024: $16MQ3 2024: $18MQ4 2024: $22MQ1 2025: $5MQ2 2025: $21MQ3 2025: $22MQ4 2025: $22MQ1 2026: $21MQ2 2026: $26MQ3 2026: $23M
QuarterRevenueYoY
Q3 2026$22.9M+2.5%
Q2 2026$25.6M+24%
Q1 2026$20.8M+336%
Q4 2025$21.7M-1.3%
Q3 2025$22.4M+21%
Q2 2025$20.6M+25%
Q1 2025$4.8M-70%
Q4 2024$22M+38%

EFSI 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.

EFSI Free Cash Flow

Q4 2023: −$6MQ1 2024: $7MQ2 2024: −$2MQ3 2024: $7MQ4 2024: $6MQ1 2025: $5MQ2 2025: $2MQ3 2025: $8MQ4 2025: $9MQ1 2026: $4MQ2 2026: −$13MQ3 2026: $25M
Q4 2023: −$6MQ1 2024: $7MQ2 2024: −$2MQ3 2024: $7MQ4 2024: $6MQ1 2025: $5MQ2 2025: $2MQ3 2025: $8MQ4 2025: $9MQ1 2026: $4MQ2 2026: −$13MQ3 2026: $25M
QuarterFree cash flowYoY
Q3 2026$25.4M+225%
Q2 2026-$12.8M-656%
Q1 2026$4.1M-22%
Q4 2025$9M+48%
Q3 2025$7.8M+7.5%
Q2 2025$2.3M+$4.5M
Q1 2025$5.3M-21%
Q4 2024$6M+$12M

EFSI 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.

EFSI Total Shares

Q4 2023: 4MQ1 2024: 4MQ2 2024: 4MQ3 2024: 4MQ1 2025: 5MQ2 2025: 5MQ3 2025: 5MQ4 2025: 5MQ1 2026: 5MQ2 2026: 5MQ3 2026: 5M
Q4 2023: 4MQ1 2024: 4MQ2 2024: 4MQ3 2024: 4MQ1 2025: 5MQ2 2025: 5MQ3 2025: 5MQ4 2025: 5MQ1 2026: 5MQ2 2026: 5MQ3 2026: 5M
PeriodChange %Net change
Quarterly0%-384 shares
1 year+0.7%+35.3K shares
3 years+53%+1.9M shares
5 years+58%+2M shares
Available history+57%+2M shares

EFSI 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.

EFSI Net Leverage

Q4 2023: 1.2xQ1 2024: 1.4xQ2 2024: 1.1xQ3 2024: 1.0xQ4 2024: 0.8xQ1 2025: 1.7xQ2 2025: 1.2xQ3 2025: 1.1xQ4 2025: 1.5xQ1 2026: 0.6xQ2 2026: 0.5xQ3 2026: 0.6x
Q4 2023: 1.2xQ1 2024: 1.4xQ2 2024: 1.1xQ3 2024: 1.0xQ4 2024: 0.8xQ1 2025: 1.7xQ2 2025: 1.2xQ3 2025: 1.1xQ4 2025: 1.5xQ1 2026: 0.6xQ2 2026: 0.5xQ3 2026: 0.6x
QuarterNet LeverageStatus
Q3 20260.6xVery low
Q2 20260.5xVery low
Q1 20260.6xVery low
Q4 20251.5xHealthy
Q3 20251.1xHealthy
Q2 20251.2xHealthy
Q1 20251.7xHealthy
Q4 20240.8xVery low

EFSI's net debt is less than a year of its operating earnings (EBITDA), down from 1.1 years a year ago. Net leverage isn't a meaningful measure for financial services companies like EFSI.

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

EFSI Weekly Momentum

MetricValueStatus
RSI62.9Neutral
Stochastic70.7Neutral

EFSI's weekly RSI is 63 (neutral) and its Stochastic is 71 (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.

EFSI PE vs Financial Services Sector

MetricEFSISector medianRelative
PE14x13x7.1% above
PE %866323 pts above

EFSI 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.

EFSI Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$45.90.3% above
20 week MA$43.75.2% above
50 week MA$40.514% above
100 week MA$37.323% above
200 week MA$34.733% above

EFSI 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.

EFSI Yearly ROI

YearStart priceEnd priceROI
2020$31.1$29.5-5%
2021$29.5$34.6+17%
2022$34.6$36.0+4.1%
2023$36.0$30.0-17%
2024$30.0$36.4+21%
2025$36.4$40.3+11%
2026 YTD$40.3$46.0+14%

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

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