CIFR

Cipher Mining Inc.

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

PGC

Peapack-Gladstone Financial Corporation

69
Fundamentals80/ 100
Valuation50/ 100
Upside potential78/ 100
Risk potential12/ 100

PGC's fundamentals are strong: revenue grew 25% and its operating margin rose 7 points to 25%. At 14x earnings, it's trading in line with its usual 13x. Analysts expect that strong growth to continue.

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.

PGC Fundamentals

MetricStatus
Healthy
Strong
N/A
N/A

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

CIFR PE Valuation

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

PGC PE Valuation

CHEAPFAIREXPENSIVE6.1x12x18x24x
CHEAPFAIREXPENSIVE6.1x12x18x24x
LevelPEPriceVs current
Cheap8.8x$29.22-36%
Forward10x$46.01—
Fair13x$42.69-7.2%
Current14x$46.01—
Expensive16x$54.03+17%

Historical ranges are pointers, not guarantees.

PGC's PE is in its fair range at 14x. If earnings grow as analysts expect, today's price would be 10x next year's earnings.

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.

PGC Forward outlook

MetricOutlook
Strongly improving
Strong growth
Growth
Strongly improving
Limited
Moderate

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

PGC Risk to reward

ScenarioChangePrice
Upside+44%$66.30
Downside-12%$40.36

Calculated from the latest close: $46.01 on Nov 12.

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

PGC Earnings Per Share

Q4 2023: $2.71Q1 2024: $2.18Q2 2024: $1.87Q3 2024: $1.81Q4 2024: $1.85Q1 2025: $1.80Q2 2025: $1.83Q3 2025: $1.94Q4 2025: $2.11Q1 2026: $2.48Q2 2026: $2.89Q3 2026: $3.34Forward: $4.50
Q4 2023: $2.71Q1 2024: $2.18Q2 2024: $1.87Q3 2024: $1.81Q4 2024: $1.85Q1 2025: $1.80Q2 2025: $1.83Q3 2025: $1.94Q4 2025: $2.11Q1 2026: $2.48Q2 2026: $2.89Q3 2026: $3.34Forward: $4.50
QuarterTTM EPSYoY
Forward$4.50+35%
Q3 2026$3.34+72%
Q2 2026$2.89+58%
Q1 2026$2.48+38%
Q4 2025$2.11+14%
Q3 2025$1.94+7.2%
Q2 2025$1.83-2.1%
Q1 2025$1.80-17%
Q4 2024$1.85-32%

PGC 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.

PGC Quarterly Revenue

Q4 2023: $54MQ1 2024: $53MQ2 2024: $57MQ3 2024: $57MQ4 2024: $62MQ1 2025: $64MQ2 2025: $70MQ3 2025: $71MQ4 2025: $78MQ1 2026: $82MQ2 2026: $86MQ3 2026: $87M
Q4 2023: $54MQ1 2024: $53MQ2 2024: $57MQ3 2024: $57MQ4 2024: $62MQ1 2025: $64MQ2 2025: $70MQ3 2025: $71MQ4 2025: $78MQ1 2026: $82MQ2 2026: $86MQ3 2026: $87M
QuarterRevenueYoY
Q3 2026$87.5M+24%
Q2 2026$86.1M+23%
Q1 2026$82.5M+28%
Q4 2025$78.2M+26%
Q3 2025$70.7M+25%
Q2 2025$69.7M+23%
Q1 2025$64.4M+21%
Q4 2024$61.8M+14%

PGC 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.

PGC Free Cash Flow

Q4 2023: $338,000Q1 2024: $18MQ2 2024: −$431,000Q3 2024: $23MQ4 2024: $22MQ1 2025: −$11MQ2 2025: $10MQ3 2025: $34MQ4 2025: −$4MQ1 2026: $23MQ2 2026: $49MQ3 2026: −$6M
Q4 2023: $338,000Q1 2024: $18MQ2 2024: −$431,000Q3 2024: $23MQ4 2024: $22MQ1 2025: −$11MQ2 2025: $10MQ3 2025: $34MQ4 2025: −$4MQ1 2026: $23MQ2 2026: $49MQ3 2026: −$6M
QuarterFree cash flowYoY
Q3 2026-$6.2M-118%
Q2 2026$48.6M+389%
Q1 2026$23.3M+$34.8M
Q4 2025-$3.6M-116%
Q3 2025$34M+48%
Q2 2025$9.9M+$10.4M
Q1 2025-$11.5M-164%
Q4 2024$22.4M+6536%

PGC 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.

PGC Total Shares

Q4 2023: 18MQ1 2024: 18MQ2 2024: 18MQ3 2024: 18MQ4 2024: 18MQ1 2025: 18MQ2 2025: 18MQ3 2025: 18MQ4 2025: 18MQ1 2026: 18MQ2 2026: 19MQ3 2026: 19M
Q4 2023: 18MQ1 2024: 18MQ2 2024: 18MQ3 2024: 18MQ4 2024: 18MQ1 2025: 18MQ2 2025: 18MQ3 2025: 18MQ4 2025: 18MQ1 2026: 18MQ2 2026: 19MQ3 2026: 19M
PeriodChange %Net change
Quarterly+2.4%+444K shares
1 year+7.8%+1.4M shares
3 years+5.9%+1.1M shares
5 years-1.1%-204K shares
Available history-1.8%-342K shares

PGC 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.

PGC Net Leverage

Q4 2023: 7.4xQ1 2024: 4.1xQ2 2024: 2.5xQ3 2024: 2.6xQ4 2024: 2.5xQ1 2025: 1.9xQ2 2025: 1.9xQ3 2025: 1.7xQ4 2025: 2.8xQ1 2026: 0.8xQ2 2026: 0.9xQ3 2026: 3.1x
Q4 2023: 7.4xQ1 2024: 4.1xQ2 2024: 2.5xQ3 2024: 2.6xQ4 2024: 2.5xQ1 2025: 1.9xQ2 2025: 1.9xQ3 2025: 1.7xQ4 2025: 2.8xQ1 2026: 0.8xQ2 2026: 0.9xQ3 2026: 3.1x
QuarterNet LeverageStatus
Q3 20263.1xElevated
Q2 20260.9xVery low
Q1 20260.8xVery low
Q4 20252.8xModerate
Q3 20251.7xHealthy
Q2 20251.9xHealthy
Q1 20251.9xHealthy
Q4 20242.5xModerate

PGC's net debt is about 3.1 years of its operating earnings (EBITDA), up from 1.7 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PGC.

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

PGC Weekly Momentum

MetricValueStatus
RSI61.0Neutral
Stochastic55.5Neutral

PGC's weekly RSI is 61 (neutral) and its Stochastic is 56 (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.

PGC PE vs Financial Services Sector

MetricPGCSector medianRelative
PE14x13x5.8% above
PE %55638 pts below

PGC 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.

PGC Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$44.92.5% above
20 week MA$45.60.9% above
50 week MA$39.915% above
100 week MA$34.334% above
200 week MA$31.048% above

PGC 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.

PGC Yearly ROI

YearStart priceEnd priceROI
2020$31.0$22.6-27%
2021$22.6$35.0+55%
2022$35.0$37.1+5.9%
2023$37.1$29.8-20%
2024$29.8$32.1+7.8%
2025$32.1$28.2-12%
2026 YTD$28.2$46.0+63%

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

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