CIFR
Cipher Mining Inc.
There isn't enough reported data to score CIFR yet.
PNFP
Pinnacle Financial Partners, Inc.
There isn't enough reported data to score PNFP yet.
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.
PNFP Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Strong | |
| N/A | |
| N/A |
PNFP's profitability is currently strong. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like PNFP.
CIFR PE Valuation
CIFR has no meaningful PE right now: it lost money over the past year.
PNFP PE Valuation
PNFP has no meaningful PE right now: it lost money over the past year.
CIFR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses shrinking | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
CIFR has the edge over PNFP on the outlook, with more favorable profitability expectations.
PNFP Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Moderate | |
| High |
Analysts expect earnings and revenue growth for PNFP, but weaker profitability.
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 |
PNFP has the stronger earnings trend. Trailing diluted EPS is down 1,630% for CIFR versus PNFP up 49%.
PNFP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $11.30 | +44% |
| Q3 2025 | $7.85 | +49% |
| Q2 2025 | $7.52 | +48% |
| Q1 2025 | $6.16 | -12% |
| Q4 2024 | $5.96 | -17% |
| Q3 2024 | $5.26 | -32% |
| Q2 2024 | $5.09 | -36% |
| Q1 2024 | $6.99 | -4.1% |
| Q4 2023 | $7.18 | 0% |
PNFP earned $7.85 per share over the past year, up 49% from the year before.
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% |
PNFP has the stronger quarterly revenue trend. Revenue is down 63% for CIFR versus up 160% for PNFP.
| 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.
PNFP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.3B | +141% |
| Q2 2026 | $1.2B | +138% |
| Q1 2026 | $1.2B | +163% |
| Q3 2025 | $544.8M | +17% |
| Q2 2025 | $505M | +38% |
| Q1 2025 | $462.9M | +8.1% |
| Q4 2024 | $475.3M | +20% |
| Q3 2024 | $466.7M | +14% |
PNFP's revenue has grown year over year for eight quarters in a row: $1.3B last quarter, up 160% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 36% | -2.1 points |
| Q2 2026 | 35% | -3.6 points |
| Q1 2026 | 16% | -21 points |
| Q3 2025 | 39% | -0.3 points |
| Q2 2025 | 38% | +21 points |
| Q1 2025 | 37% | +1.5 points |
| Q4 2024 | 39% | +6.1 points |
| Q3 2024 | 39% | -2.4 points |
PNFP 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 |
PNFP has the stronger cash trend. Its trailing FCF is up 167% versus its history, compared with CIFR at down 974%.
PNFP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $365M | -2.8% |
| Q2 2026 | $67M | -73% |
| Q1 2026 | $911M | +$954M |
| Q3 2025 | $375.4M | +291% |
| Q2 2025 | $244.6M | +316% |
| Q1 2025 | -$43M | -124% |
| Q4 2024 | $475M | +423% |
| Q3 2024 | $96M | -9.9% |
PNFP's free cash flow was $1.7B over the past year, up 122% from the year before. Free cash flow isn't a meaningful measure for financial services companies like PNFP.
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 the edge over PNFP on shareholder dilution, with a more favorable share count trend.
| 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.
PNFP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +250K shares |
| 1 year | +96% | +74.4M shares |
| 3 years | +99% | +75.6M shares |
| 5 years | +100% | +75.9M shares |
| Available history | +98% | +75M shares |
PNFP has 152M diluted shares, up 96% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2021 | — |
| Q3 2021 | — |
| Q2 2021 | — |
| Q1 2021 | — |
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | $50.8M |
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 the edge over PNFP on leverage, with a lower net debt burden relative to earnings.
PNFP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2025 | 2.2x | Moderate |
| Q2 2025 | 2.2x | Moderate |
| Q1 2025 | 2.8x | Moderate |
| Q4 2024 | 2.9x | Moderate |
| Q3 2024 | 3.8x | Elevated |
| Q2 2024 | 4.0x | High |
| Q1 2024 | 3.2x | Elevated |
| Q4 2023 | 3.1x | Elevated |
PNFP's net debt is about 2.2 years of its operating earnings (EBITDA), down from 3.8 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PNFP.
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).
PNFP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.3 | Neutral |
| Stochastic | 49.9 | Neutral |
PNFP's weekly RSI is 51 (neutral) and its Stochastic is 50 (neutral).
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.
PNFP PE vs Financial Services Sector
| Metric | PNFP | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
PNFP has no meaningful PE right now: it lost money over the past year.
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.
PNFP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $97.7 | 1.6% above |
| 20 week MA | $100.2 | 0.9% below |
| 50 week MA | $97.2 | 2.2% above |
| 100 week MA | $100.0 | 0.7% below |
| 200 week MA | $89.3 | 11% above |
PNFP has the edge over CIFR on trend strength, trading above more of its moving averages.
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.
PNFP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $63.8 | $65.3 | +2.3% |
| 2021 | $65.3 | $93.9 | +44% |
| 2022 | $93.9 | $73.6 | -22% |
| 2023 | $73.6 | $87.2 | +19% |
| 2024 | $87.2 | $114.2 | +31% |
| 2025 | $114.2 | $100.8 | -12% |
| 2026 YTD | $100.8 | $99.3 | -1.5% |
PNFP has the edge over CIFR on returns for 2026, with the stronger performance.