CIFR

Cipher Mining Inc.

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

HTB

HomeTrust Bancshares, Inc.

54
Fundamentals53/ 100
Valuation50/ 100
Upside potential64/ 100
Risk potential13/ 100

HTB's fundamentals are mixed: earnings per share grew 9.7%, while its operating margin held steady at 37%. At 12x earnings, it's trading right at its usual valuation. Analysts expect strong earnings growth, though they disagree widely on how much.

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.

HTB Fundamentals

MetricStatus
Stable
Strong
N/A
N/A

HTB's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like HTB.

CIFR PE Valuation

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

HTB PE Valuation

CHEAPFAIREXPENSIVE8.4x17x25x34x
CHEAPFAIREXPENSIVE8.4x17x25x34x
LevelPEPriceVs current
Cheap9.5x$37.58-20%
Forward11x$47.22—
Fair12x$47.66+0.9%
Current12x$47.22—
Expensive18x$73.15+55%

Historical ranges are pointers, not guarantees.

HTB's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 11x next year's earnings.

CIFR Forward outlook

MetricOutlook
--
Losses shrinking
Strong growth
Strongly improving
Limited
Low

CIFR has the edge over HTB on the outlook, with more favorable profitability expectations.

HTB Forward outlook

MetricOutlook
Stable
Strong growth
Strong growth
Strongly weakening
Limited
Low

Analysts expect strong earnings and revenue growth for HTB, but weaker profitability. However, they disagree widely on these estimates.

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 HTB's risk to reward.

HTB Risk to reward

ScenarioChangePrice
Upside+23%$58.03
Downside-13%$41.09

Calculated from the latest close: $47.22 on Nov 12.

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

HTB Earnings Per Share

Q4 2024: $3.20Q1 2025: $3.16Q2 2025: $3.43Q3 2025: $3.62Q4 2025: $3.72Q1 2026: $3.87Q2 2026: $3.81Q3 2026: $3.97Forward: $4.16
Q4 2024: $3.20Q1 2025: $3.16Q2 2025: $3.43Q3 2025: $3.62Q4 2025: $3.72Q1 2026: $3.87Q2 2026: $3.81Q3 2026: $3.97Forward: $4.16
QuarterTTM EPSYoY
Forward$4.16+4.8%
Q3 2026$3.97+9.7%
Q2 2026$3.81+11%
Q1 2026$3.87+22%
Q4 2025$3.72+16%
Q3 2023$3.08+41%
Q2 2023$2.80+26%
Q1 2023$2.29+66%
Q4 2022$2.40+78%

HTB 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.

HTB Quarterly Revenue

Q4 2023: --Q1 2024: $50MQ2 2024: $50MQ3 2024: $50MQ4 2024: $51MQ1 2025: $51MQ2 2025: $54MQ3 2025: $54MQ4 2025: $54MQ1 2026: $54MQ2 2026: $55MQ3 2026: $56M
Q4 2023: --Q1 2024: $50MQ2 2024: $50MQ3 2024: $50MQ4 2024: $51MQ1 2025: $51MQ2 2025: $54MQ3 2025: $54MQ4 2025: $54MQ1 2026: $54MQ2 2026: $55MQ3 2026: $56M
QuarterRevenueYoY
Q3 2026$55.5M+2.6%
Q2 2026$54.5M+0.3%
Q1 2026$54.3M+6.7%
Q4 2025$53.6M+4.2%
Q3 2025$54.1M+7.5%
Q2 2025$54.4M+8.2%
Q1 2025$50.9M+1.8%
Q3 2024$50.4M-0.8%

HTB 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.

HTB Free Cash Flow

Q4 2023: --Q1 2024: −$10MQ2 2024: $6MQ3 2024: --Q4 2024: $3MQ1 2025: $71MQ2 2025: −$10MQ3 2025: −$12MQ4 2025: −$3MQ1 2026: $110MQ2 2026: $126,000Q3 2026: $9M
Q4 2023: --Q1 2024: −$10MQ2 2024: $6MQ3 2024: --Q4 2024: $3MQ1 2025: $71MQ2 2025: −$10MQ3 2025: −$12MQ4 2025: −$3MQ1 2026: $110MQ2 2026: $126,000Q3 2026: $9M
QuarterFree cash flowYoY
Q3 2026$9.3M+$21.3M
Q2 2026$126K+$10.3M
Q1 2026$110M+56%
Q4 2025-$3.2M-214%
Q2 2025-$10.2M-279%
Q1 2025$70.7M+$80.3M
Q2 2024$5.7M+$69.2M
Q3 2023-$33.2M-543%

HTB 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.

HTB Total Shares

Q1 2024: 17MQ2 2024: 17MQ3 2024: 17MQ4 2024: 17MQ1 2025: 17MQ2 2025: 17MQ3 2025: 17MQ4 2025: 17MQ1 2026: 17MQ2 2026: 16MQ3 2026: 16M
Q1 2024: 17MQ2 2024: 17MQ3 2024: 17MQ4 2024: 17MQ1 2025: 17MQ2 2025: 17MQ3 2025: 17MQ4 2025: 17MQ1 2026: 17MQ2 2026: 16MQ3 2026: 16M
PeriodChange %Net change
Quarterly-2.6%-424K shares
1 year-6.6%-1.1M shares
3 years+1.4%+218K shares
5 years-3%-496K shares
Available history-8.9%-1.6M shares

HTB 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.

HTB Net Leverage

Q3 2025: -1.0xQ4 2025: -1.9xQ1 2026: -2.5xQ2 2026: -1.2xQ3 2026: -0.4x
Q3 2025: -1.0xQ4 2025: -1.9xQ1 2026: -2.5xQ2 2026: -1.2xQ3 2026: -0.4x
QuarterNet LeverageStatus
Q3 2026-0.4xNet Cash
Q2 2026-1.2xNet Cash
Q1 2026-2.5xNet Cash
Q4 2025-1.9xNet Cash
Q3 2025-1.0xNet Cash
Q4 2022-0.7xNet Cash
Q3 2022-2.0xNet Cash
Q2 2022-2.2xNet Cash

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

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

HTB Weekly Momentum

MetricValueStatus
RSI51.2Neutral
Stochastic28.3Neutral

HTB's weekly RSI is 51 (neutral) and its Stochastic is 28 (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.

HTB PE vs Financial Services Sector

MetricHTBSector medianRelative
PE12x13x8.7% below
PE %476316 pts below

HTB is trading at 12x 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.

HTB Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$46.81% above
20 week MA$47.91.5% below
50 week MA$45.92.9% above
100 week MA$41.614% above
200 week MA$34.338% above

HTB 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.

HTB Yearly ROI

YearStart priceEnd priceROI
2020$26.9$19.4-28%
2021$19.4$30.9+59%
2022$30.9$24.5-21%
2023$24.5$26.9+10%
2024$26.9$33.9+26%
2025$33.9$43.4+28%
2026 YTD$43.4$47.2+8.8%

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

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