CIFR
Cipher Mining Inc.
There isn't enough reported data to score CIFR yet.
LOB
Live Oak Bancshares, Inc.
LOB's fundamentals are strong and it looks cheap: trading at 12x earnings, below its usual 21x. Analysts expect strong earnings growth.
CIFR Fundamentals
| Metric | Status |
|---|---|
| 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.
LOB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
LOB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like LOB.
CIFR PE Valuation
CIFR has no meaningful PE right now: it lost money over the past year.
LOB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 9.1x | $34.63 | — |
| Cheap | 11x | $30.19 | -13% |
| Current | 12x | $34.63 | — |
| Fair | 21x | $58.49 | +69% |
| Expensive | 34x | $97.13 | +180% |
Historical ranges are pointers, not guarantees.
LOB's PE is in its cheap range at 12x. If earnings grow as analysts expect, today's price would be 9.1x next year's earnings.
CIFR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| 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.
LOB Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for LOB, with profitability improving.
CIFR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| 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.
LOB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.81 | +35% |
| Q3 2026 | $2.82 | +89% |
| Q2 2026 | $2.85 | +134% |
| Q1 2026 | $2.62 | +102% |
| Q4 2025 | $2.23 | +32% |
| Q3 2025 | $1.49 | -19% |
| Q2 2025 | $1.22 | -50% |
| Q1 2025 | $1.30 | -42% |
| Q4 2024 | $1.69 | +3% |
LOB has the edge over CIFR on earnings quality, reporting a profit while its opponent remains loss making.
CIFR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| 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.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -269% | -217 points |
| Q2 2026 | -316% | -212 points |
| Q1 2026 | -329% | -251 points |
| Q4 2025 | -503% | -544 points |
| Q3 2025 | -52% | +327 points |
| Q2 2025 | -104% | -60 points |
| Q1 2025 | -78% | -175 points |
| Q4 2024 | 40% | +4 points |
CIFR's operating margin was −269% last quarter, down 217 points from the same quarter a year ago.
LOB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $175.6M | +20% |
| Q2 2026 | $156.1M | +8.6% |
| Q1 2026 | $145.5M | +15% |
| Q4 2025 | $161.9M | +26% |
| Q3 2025 | $146.1M | +12% |
| Q2 2025 | $143.7M | +15% |
| Q1 2025 | $126.1M | +8.5% |
| Q4 2024 | $128.1M | +7% |
LOB has the edge over CIFR on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 20% | -5 points |
| Q2 2026 | 29% | +7.6 points |
| Q1 2026 | 28% | +17 points |
| Q4 2025 | 38% | +28 points |
| Q3 2025 | 25% | +11 points |
| Q2 2025 | 22% | -7 points |
| Q1 2025 | 10% | -8.6 points |
| Q4 2024 | 10% | -4.3 points |
LOB has the edge over CIFR on profitability, with a higher operating margin.
CIFR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| 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.
LOB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $124.4M | +105% |
| Q2 2026 | $28.4M | -86% |
| Q1 2026 | $85.3M | -17% |
| Q4 2025 | $70.4M | +$294.5M |
| Q3 2025 | $60.6M | -67% |
| Q2 2025 | $206.7M | +210% |
| Q1 2025 | $102.7M | +48% |
| Q4 2024 | -$224.2M | -251% |
LOB has the edge over CIFR on cash generation, producing positive trailing cash flow while its opponent burns cash.
CIFR Total Shares
| Period | Change % | 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.
| Quarter | Spent |
|---|---|
| Q3 2026 | $19.7M |
| Q2 2026 | $45.2M |
| Q1 2026 | $3.8M |
| Q4 2025 | $82.3M |
| Q3 2025 | $3M |
| Q2 2025 | $3.2M |
| Q1 2025 | $1.1M |
| Q4 2024 | $16.9M |
CIFR spent $151M buying back its own shares over the past year, about six times what it spent the year before.
LOB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.6% | +275K shares |
| 1 year | +1.4% | +652K shares |
| 3 years | +3.5% | +1.6M shares |
| 5 years | +4.9% | +2.2M shares |
| Available history | +14% | +5.8M shares |
LOB has the edge over CIFR on shareholder dilution, with a more favorable share count trend.
CIFR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2025 | -2.3x | Net Cash |
| Q1 2025 | 125.4x | High |
| Q4 2024 | 0.5x | Very low |
| Q3 2024 | -0.7x | Net Cash |
| Q2 2024 | -1.2x | Net Cash |
| Q1 2024 | -0.9x | Net Cash |
| Q4 2023 | -2.2x | Net Cash |
| Q2 2023 | -0.1x | Net Cash |
CIFR has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CIFR.
LOB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.2x | Net Cash |
| Q2 2026 | -4.3x | Net Cash |
| Q1 2026 | -4.1x | Net Cash |
| Q4 2025 | -5.0x | Net Cash |
| Q3 2025 | -7.4x | Net Cash |
| Q2 2025 | -6.5x | Net Cash |
| Q1 2025 | -7.1x | Net Cash |
| Q4 2024 | -5.4x | Net Cash |
LOB has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like LOB.
CIFR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 34.4 | Neutral |
| Stochastic | 7.8 | Oversold |
CIFR's weekly RSI is 34 (neutral) and its Stochastic is 8 (oversold).
LOB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.3 | Neutral |
| Stochastic | 9.6 | Oversold |
LOB's weekly RSI is 38 (neutral) and its Stochastic is 10 (oversold).
CIFR PE vs Financial Services Sector
| Metric | CIFR | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
CIFR has no meaningful PE right now: it lost money over the past year.
LOB PE vs Financial Services Sector
| Metric | LOB | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 5.7% below |
| PE % | 19 | 63 | 44 pts below |
LOB is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
CIFR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $10.6 | 33% below |
| 20 week MA | $15.5 | 54% below |
| 50 week MA | $17.0 | 58% below |
| 100 week MA | $12.2 | 41% below |
| 200 week MA | $7.86 | 9% below |
CIFR is in a downtrend: it's below all five of its weekly moving averages, and 9% below its 200-week average.
LOB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $35.2 | 1.7% below |
| 20 week MA | $38.8 | 11% below |
| 50 week MA | $37.6 | 7.8% below |
| 100 week MA | $34.8 | 0.6% below |
| 200 week MA | $35.2 | 1.5% below |
LOB is in a downtrend: it's below all five of its weekly moving averages, and 1.5% below its 200-week average.
CIFR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 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.
LOB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.1 | $48.1 | +153% |
| 2021 | $48.1 | $83.7 | +74% |
| 2022 | $83.7 | $31.4 | -62% |
| 2023 | $31.4 | $45.5 | +45% |
| 2024 | $45.5 | $39.4 | -13% |
| 2025 | $39.4 | $35.2 | -11% |
| 2026 YTD | $35.2 | $34.6 | -1.6% |
LOB has the edge over CIFR on returns for 2026, with the stronger performance.