CIFR

Cipher Mining Inc.

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

HBAN

Huntington Bancshares Incorporated

55
Fundamentals49/ 100
Valuation51/ 100
Upside potential73/ 100
Risk potential11/ 100

HBAN's fundamentals are mixed: revenue grew 31%, but its operating margin fell 5 points to 30%. At 13x earnings, it's trading in line with its usual 12x. Analysts expect strong 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.

HBAN Fundamentals

MetricStatus
Strong
Healthy
N/A
N/A

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

CIFR PE Valuation

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

HBAN PE Valuation

CHEAPFAIREXPENSIVE6.3x13x19x25x
CHEAPFAIREXPENSIVE6.3x13x19x25x
LevelPEPriceVs current
Cheap9.3x$11.20-29%
Forward9.5x$15.73—
Fair12x$14.97-4.9%
Current13x$15.73—
Expensive17x$19.98+27%

Historical ranges are pointers, not guarantees.

HBAN's PE is in its fair range at 13x. If earnings grow as analysts expect, today's price would be 9.5x next year's earnings, in its cheap range.

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.

HBAN Forward outlook

MetricOutlook
Strongly improving
Strong growth
Growth
Strongly improving
Limited
Moderate

Analysts expect earnings and revenue growth for HBAN, 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 HBAN's risk to reward.

HBAN Risk to reward

ScenarioChangePrice
Upside+31%$20.55
Downside-11%$13.95

Calculated from the latest close: $15.73 on Nov 12.

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

HBAN Earnings Per Share

Q4 2023: $1.24Q1 2024: $1.11Q2 2024: $1.06Q3 2024: $1.04Q4 2024: $1.22Q1 2025: $1.30Q2 2025: $1.34Q3 2025: $1.42Q4 2025: $1.39Q1 2026: $1.30Q2 2026: $1.29Q3 2026: $1.21Forward: $1.66
Q4 2023: $1.24Q1 2024: $1.11Q2 2024: $1.06Q3 2024: $1.04Q4 2024: $1.22Q1 2025: $1.30Q2 2025: $1.34Q3 2025: $1.42Q4 2025: $1.39Q1 2026: $1.30Q2 2026: $1.29Q3 2026: $1.21Forward: $1.66
QuarterTTM EPSYoY
Forward$1.66+38%
Q3 2026$1.21-15%
Q2 2026$1.29-3.7%
Q1 2026$1.300%
Q4 2025$1.39+14%
Q3 2025$1.42+37%
Q2 2025$1.34+26%
Q1 2025$1.30+17%
Q4 2024$1.22-1.6%

HBAN 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.

HBAN Quarterly Revenue

Q4 2023: $1.7BQ1 2024: $1.8BQ2 2024: $1.8BQ3 2024: $1.9BQ4 2024: $2BQ1 2025: $1.9BQ2 2025: $1.9BQ3 2025: $2.1BQ4 2025: $2.2BQ1 2026: $2.6BQ2 2026: $2.8BQ3 2026: $2.8B
Q4 2023: $1.7BQ1 2024: $1.8BQ2 2024: $1.8BQ3 2024: $1.9BQ4 2024: $2BQ1 2025: $1.9BQ2 2025: $1.9BQ3 2025: $2.1BQ4 2025: $2.2BQ1 2026: $2.6BQ2 2026: $2.8BQ3 2026: $2.8B
QuarterRevenueYoY
Q3 2026$2.8B+31%
Q2 2026$2.8B+46%
Q1 2026$2.6B+34%
Q4 2025$2.2B+11%
Q3 2025$2.1B+14%
Q2 2025$1.9B+7.5%
Q1 2025$1.9B+9.5%
Q4 2024$2B+14%

HBAN 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.

HBAN Free Cash Flow

Q4 2023: $838MQ1 2024: $432MQ2 2024: $263MQ3 2024: −$480MQ4 2024: $1.5BQ1 2025: $459MQ2 2025: $500MQ3 2025: $446MQ4 2025: $810MQ1 2026: $400MQ2 2026: $1BQ3 2026: $683M
Q4 2023: $838MQ1 2024: $432MQ2 2024: $263MQ3 2024: −$480MQ4 2024: $1.5BQ1 2025: $459MQ2 2025: $500MQ3 2025: $446MQ4 2025: $810MQ1 2026: $400MQ2 2026: $1BQ3 2026: $683M
QuarterFree cash flowYoY
Q3 2026$683M+53%
Q2 2026$1B+105%
Q1 2026$400M-13%
Q4 2025$810M-44%
Q3 2025$446M+$926M
Q2 2025$500M+90%
Q1 2025$459M+6.3%
Q4 2024$1.5B+74%

HBAN 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 HBAN on shareholder dilution, with a more favorable share count trend.

HBAN Total Shares

Q4 2023: 1.5BQ1 2024: 1.5BQ2 2024: 1.5BQ3 2024: 1.5BQ4 2024: 1.5BQ1 2025: 1.5BQ2 2025: 1.5BQ3 2025: 1.5BQ1 2026: 1.9BQ2 2026: 2BQ3 2026: 2B
Q4 2023: 1.5BQ1 2024: 1.5BQ2 2024: 1.5BQ3 2024: 1.5BQ4 2024: 1.5BQ1 2025: 1.5BQ2 2025: 1.5BQ3 2025: 1.5BQ1 2026: 1.9BQ2 2026: 2BQ3 2026: 2B
PeriodChange %Net change
Quarterly-0.1%-1.4M shares
1 year+38%+566M shares
3 years+40%+581M shares
5 years+82%+922M shares
Available history+94%+991M shares

HBAN has 2B diluted shares, up 38% 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.

HBAN Net Leverage

Q4 2023: 3.6xQ1 2024: 4.6xQ2 2024: 5.4xQ3 2024: 5.5xQ4 2024: 4.9xQ1 2025: 5.4xQ2 2025: 5.0xQ3 2025: 4.6xQ4 2025: 4.8xQ1 2026: 6.3xQ2 2026: 5.0xQ3 2026: 5.5x
Q4 2023: 3.6xQ1 2024: 4.6xQ2 2024: 5.4xQ3 2024: 5.5xQ4 2024: 4.9xQ1 2025: 5.4xQ2 2025: 5.0xQ3 2025: 4.6xQ4 2025: 4.8xQ1 2026: 6.3xQ2 2026: 5.0xQ3 2026: 5.5x
QuarterNet LeverageStatus
Q3 20265.5xHigh
Q2 20265.0xHigh
Q1 20266.3xHigh
Q4 20254.8xHigh
Q3 20254.6xHigh
Q2 20255.0xHigh
Q1 20255.4xHigh
Q4 20244.9xHigh

HBAN's net debt is about 5.5 years of its operating earnings (EBITDA), up from 4.6 years a year ago. Net leverage isn't a meaningful measure for financial services companies like HBAN.

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

HBAN Weekly Momentum

MetricValueStatus
RSI43.8Neutral
Stochastic25.1Neutral

HBAN's weekly RSI is 44 (neutral) and its Stochastic is 25 (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.

HBAN PE vs Financial Services Sector

MetricHBANSector medianRelative
PE13x13x0.2% below
PE %62631 pt below

HBAN is trading at 13x 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.

HBAN Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$15.51.3% above
20 week MA$16.65.2% below
50 week MA$16.86.1% below
100 week MA$16.44.2% below
200 week MA$14.77.2% above

HBAN 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.

HBAN Yearly ROI

YearStart priceEnd priceROI
2020$15.1$12.4-18%
2021$12.4$15.3+24%
2022$15.3$14.1-7.9%
2023$14.1$12.7-9.5%
2024$12.7$16.4+29%
2025$16.4$17.7+8.3%
2026 YTD$17.7$15.7-11%

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

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