CIFR

Cipher Mining Inc.

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

RF

Regions Financial Corporation

58
Fundamentals60/ 100
Valuation48/ 100
Upside potential64/ 100
Risk potential13/ 100

RF's fundamentals are mixed: its operating margin rose 2 points to 38%, while revenue grew 3.4%. At 11x earnings, it's trading right at its usual valuation. Analysts expect 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.

RF Fundamentals

MetricStatus
Stable
Strong
N/A
N/A

RF'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 RF.

CIFR PE Valuation

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

RF PE Valuation

CHEAPFAIREXPENSIVE6.8x14x20x27x
CHEAPFAIREXPENSIVE6.8x14x20x27x
LevelPEPriceVs current
Cheap8.1x$20.63-28%
Forward10x$28.51—
Fair11x$27.95-2%
Current11x$28.51—
Expensive13x$33.96+19%

Historical ranges are pointers, not guarantees.

RF's PE is in its fair range at 11x. 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

CIFR has the edge over RF on the outlook, with more favorable revenue expectations.

RF Forward outlook

MetricOutlook
Improving
Growth
Stable
Strongly improving
Limited
High

Analysts expect RF's earnings to grow and its profitability to improve, with its revenue holding steady.

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 RF's risk to reward.

RF Risk to reward

ScenarioChangePrice
Upside+24%$35.28
Downside-13%$24.76

Calculated from the latest close: $28.51 on Nov 12.

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

RF Earnings Per Share

Q4 2023: $2.11Q1 2024: $1.86Q2 2024: $1.79Q3 2024: $1.79Q4 2024: $1.93Q1 2025: $2.07Q2 2025: $2.14Q3 2025: $2.26Q4 2025: $2.30Q1 2026: $2.41Q2 2026: $2.46Q3 2026: $2.56Forward: $2.80
Q4 2023: $2.11Q1 2024: $1.86Q2 2024: $1.79Q3 2024: $1.79Q4 2024: $1.93Q1 2025: $2.07Q2 2025: $2.14Q3 2025: $2.26Q4 2025: $2.30Q1 2026: $2.41Q2 2026: $2.46Q3 2026: $2.56Forward: $2.80
QuarterTTM EPSYoY
Forward$2.80+9.2%
Q3 2026$2.56+13%
Q2 2026$2.46+15%
Q1 2026$2.41+16%
Q4 2025$2.30+19%
Q3 2025$2.26+26%
Q2 2025$2.14+20%
Q1 2025$2.07+11%
Q4 2024$1.93-8.5%

RF 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.

RF Quarterly Revenue

Q4 2023: $1.8BQ1 2024: $1.7BQ2 2024: $1.7BQ3 2024: $1.8BQ4 2024: $1.8BQ1 2025: $1.8BQ2 2025: $1.9BQ3 2025: $1.9BQ4 2025: $1.9BQ1 2026: $1.9BQ2 2026: $1.9BQ3 2026: $2B
Q4 2023: $1.8BQ1 2024: $1.7BQ2 2024: $1.7BQ3 2024: $1.8BQ4 2024: $1.8BQ1 2025: $1.8BQ2 2025: $1.9BQ3 2025: $1.9BQ4 2025: $1.9BQ1 2026: $1.9BQ2 2026: $1.9BQ3 2026: $2B
QuarterRevenueYoY
Q3 2026$2B+3%
Q2 2026$1.9B+0.1%
Q1 2026$1.9B+5%
Q4 2025$1.9B+5.8%
Q3 2025$1.9B+7%
Q2 2025$1.9B+10%
Q1 2025$1.8B+2.1%
Q4 2024$1.8B+0.2%

RF 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.

RF Free Cash Flow

Q4 2023: $855MQ1 2024: $396MQ2 2024: $161MQ3 2024: $1.3BQ4 2024: −$220MQ1 2025: $1.1BQ2 2025: $573MQ3 2025: $861MQ4 2025: −$319MQ1 2026: $867MQ2 2026: $369MQ3 2026: −$15M
Q4 2023: $855MQ1 2024: $396MQ2 2024: $161MQ3 2024: $1.3BQ4 2024: −$220MQ1 2025: $1.1BQ2 2025: $573MQ3 2025: $861MQ4 2025: −$319MQ1 2026: $867MQ2 2026: $369MQ3 2026: −$15M
QuarterFree cash flowYoY
Q3 2026-$15M-102%
Q2 2026$369M-36%
Q1 2026$867M-19%
Q4 2025-$319M-$99M
Q3 2025$861M-32%
Q2 2025$573M+256%
Q1 2025$1.1B+169%
Q4 2024-$220M-126%

RF 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.

RF Total Shares

Q4 2023: 938MQ1 2024: 923MQ2 2024: 918MQ3 2024: 918MQ4 2024: 918MQ1 2025: 910MQ2 2025: 900MQ3 2025: 894MQ4 2025: 896MQ1 2026: 868MQ2 2026: 857MQ3 2026: 856M
Q4 2023: 938MQ1 2024: 923MQ2 2024: 918MQ3 2024: 918MQ4 2024: 918MQ1 2025: 910MQ2 2025: 900MQ3 2025: 894MQ4 2025: 896MQ1 2026: 868MQ2 2026: 857MQ3 2026: 856M
PeriodChange %Net change
Quarterly-0.1%-1M shares
1 year-4.3%-38M shares
3 years-8.9%-84M shares
5 years-11%-106M shares
Available history-14%-143M shares

RF 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.

RF Net Leverage

Q1 2024: 0.7xQ2 2024: 1.1xQ3 2024: 2.1xQ4 2024: 1.4xQ1 2025: 1.0xQ2 2025: 0.8xQ3 2025: 1.1xQ4 2025: 0.6xQ1 2026: 1.0xQ2 2026: 1.5xQ3 2026: 2.5x
Q1 2024: 0.7xQ2 2024: 1.1xQ3 2024: 2.1xQ4 2024: 1.4xQ1 2025: 1.0xQ2 2025: 0.8xQ3 2025: 1.1xQ4 2025: 0.6xQ1 2026: 1.0xQ2 2026: 1.5xQ3 2026: 2.5x
QuarterNet LeverageStatus
Q3 20262.5xModerate
Q2 20261.5xHealthy
Q1 20261.0xVery low
Q4 20250.6xVery low
Q3 20251.1xHealthy
Q2 20250.8xVery low
Q1 20251.0xHealthy
Q4 20241.4xHealthy

RF's net debt is about 2.5 years of its operating earnings (EBITDA), up from 1.1 years a year ago. Net leverage isn't a meaningful measure for financial services companies like RF.

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

RF Weekly Momentum

MetricValueStatus
RSI48.5Neutral
Stochastic38.2Neutral

RF's weekly RSI is 49 (neutral) and its Stochastic is 38 (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.

RF PE vs Financial Services Sector

MetricRFSector medianRelative
PE11x13x14% below
PE %54639 pts below

RF is trading at 11x earnings, a 14% discount to 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.

RF Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$27.92.3% above
20 week MA$29.63.5% below
50 week MA$28.50% below
100 week MA$26.19.2% above
200 week MA$23.024% above

RF 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.

RF Yearly ROI

YearStart priceEnd priceROI
2020$17.2$16.0-7.1%
2021$16.0$21.5+35%
2022$21.5$21.2-1.4%
2023$21.2$19.4-8.7%
2024$19.4$23.7+22%
2025$23.7$27.8+17%
2026 YTD$27.8$28.5+2.6%

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

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