CIFR

Cipher Mining Inc.

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

SBCF

Seacoast Banking Corporation of Florida

56
Fundamentals57/ 100
Valuation42/ 100
Upside potential66/ 100
Risk potential13/ 100

SBCF's fundamentals are mixed: revenue grew 36%, but its operating margin fell 2 points to 30%. At 20x earnings, it's trading above its usual 18x. 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.

SBCF Fundamentals

MetricStatus
Strong
Healthy
N/A
N/A

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

CIFR PE Valuation

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

SBCF PE Valuation

CHEAPFAIREXPENSIVE7.3x15x22x29x
CHEAPFAIREXPENSIVE7.3x15x22x29x
LevelPEPriceVs current
Forward13x$33.58—
Cheap15x$25.43-24%
Fair18x$29.63-12%
Current20x$33.58—
Expensive21x$34.42+2.5%

Historical ranges are pointers, not guarantees.

SBCF's PE is in its expensive range at 20x. If earnings grow as analysts expect, today's price would be 13x next year's earnings, in its cheap range.

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.

SBCF Forward outlook

MetricOutlook
Strongly improving
Growth
Growth
Strongly improving
Limited
High

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

SBCF Risk to reward

ScenarioChangePrice
Upside+26%$42.21
Downside-13%$29.09

Calculated from the latest close: $33.58 on Nov 12.

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

SBCF Earnings Per Share

Q4 2023: $1.23Q1 2024: $1.39Q2 2024: $1.38Q3 2024: $1.37Q4 2024: $1.42Q1 2025: $1.48Q2 2025: $1.62Q3 2025: $1.68Q4 2025: $1.57Q1 2026: $1.49Q2 2026: $1.54Q3 2026: $1.67Forward: $2.66
Q4 2023: $1.23Q1 2024: $1.39Q2 2024: $1.38Q3 2024: $1.37Q4 2024: $1.42Q1 2025: $1.48Q2 2025: $1.62Q3 2025: $1.68Q4 2025: $1.57Q1 2026: $1.49Q2 2026: $1.54Q3 2026: $1.67Forward: $2.66
QuarterTTM EPSYoY
Forward$2.66+59%
Q3 2026$1.67-0.6%
Q2 2026$1.54-4.9%
Q1 2026$1.49+0.7%
Q4 2025$1.57+11%
Q3 2025$1.68+23%
Q2 2025$1.62+17%
Q1 2025$1.48+6.5%
Q4 2024$1.42+15%

SBCF 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.

SBCF Quarterly Revenue

Q4 2023: $128MQ1 2024: $126MQ2 2024: $127MQ3 2024: $130MQ4 2024: $133MQ1 2025: $141MQ2 2025: $151MQ3 2025: $157MQ4 2025: $203MQ1 2026: $164MQ2 2026: $208MQ3 2026: $215M
Q4 2023: $128MQ1 2024: $126MQ2 2024: $127MQ3 2024: $130MQ4 2024: $133MQ1 2025: $141MQ2 2025: $151MQ3 2025: $157MQ4 2025: $203MQ1 2026: $164MQ2 2026: $208MQ3 2026: $215M
QuarterRevenueYoY
Q3 2026$215M+37%
Q2 2026$208.2M+38%
Q1 2026$163.9M+16%
Q4 2025$203.3M+53%
Q3 2025$157.3M+21%
Q2 2025$151.4M+20%
Q1 2025$140.7M+12%
Q4 2024$132.9M+3.7%

SBCF 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.

SBCF Free Cash Flow

Q4 2023: $30MQ1 2024: $25MQ2 2024: $57MQ3 2024: $53MQ4 2024: $45MQ1 2025: $31MQ2 2025: $72MQ3 2025: $30MQ4 2025: $55MQ1 2026: $72MQ2 2026: $62MQ3 2026: $139M
Q4 2023: $30MQ1 2024: $25MQ2 2024: $57MQ3 2024: $53MQ4 2024: $45MQ1 2025: $31MQ2 2025: $72MQ3 2025: $30MQ4 2025: $55MQ1 2026: $72MQ2 2026: $62MQ3 2026: $139M
QuarterFree cash flowYoY
Q3 2026$138.6M+359%
Q2 2026$61.7M-15%
Q1 2026$71.8M+132%
Q4 2025$54.5M+21%
Q3 2025$30.2M-43%
Q2 2025$72.3M+27%
Q1 2025$31M+26%
Q4 2024$45M+51%

SBCF 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.

SBCF Total Shares

Q4 2023: 84MQ1 2024: 85MQ2 2024: 85MQ3 2024: 85MQ4 2024: 85MQ1 2025: 85MQ2 2025: 85MQ3 2025: 87MQ4 2025: 89MQ1 2026: 98MQ2 2026: 97MQ3 2026: 97M
Q4 2023: 84MQ1 2024: 85MQ2 2024: 85MQ3 2024: 85MQ4 2024: 85MQ1 2025: 85MQ2 2025: 85MQ3 2025: 87MQ4 2025: 89MQ1 2026: 98MQ2 2026: 97MQ3 2026: 97M
PeriodChange %Net change
Quarterly0%-13K shares
1 year+11%+9.8M shares
3 years+14%+11.6M shares
5 years+74%+41.3M shares
Available history+87%+45.2M shares

SBCF 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.

SBCF Net Leverage

Q4 2023: -2.0xQ1 2024: -3.0xQ2 2024: -3.5xQ3 2024: -2.9xQ4 2024: -2.0xQ1 2025: -2.0xQ2 2025: -1.1xQ3 2025: -0.9xQ4 2025: -1.2xQ1 2026: -3.0xQ2 2026: -1.2xQ3 2026: -0.7x
Q4 2023: -2.0xQ1 2024: -3.0xQ2 2024: -3.5xQ3 2024: -2.9xQ4 2024: -2.0xQ1 2025: -2.0xQ2 2025: -1.1xQ3 2025: -0.9xQ4 2025: -1.2xQ1 2026: -3.0xQ2 2026: -1.2xQ3 2026: -0.7x
QuarterNet LeverageStatus
Q3 2026-0.7xNet Cash
Q2 2026-1.2xNet Cash
Q1 2026-3.0xNet Cash
Q4 2025-1.2xNet Cash
Q3 2025-0.9xNet Cash
Q2 2025-1.1xNet Cash
Q1 2025-2.0xNet Cash
Q4 2024-2.0xNet Cash

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

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

SBCF Weekly Momentum

MetricValueStatus
RSI53.1Neutral
Stochastic44.7Neutral

SBCF's weekly RSI is 53 (neutral) and its Stochastic is 45 (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.

SBCF PE vs Financial Services Sector

MetricSBCFSector medianRelative
PE20x13x54% above
PE %796316 pts above

SBCF is trading at 20x earnings, a 54% premium 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.

SBCF Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$33.01.9% above
20 week MA$33.70.4% below
50 week MA$32.53.2% above
100 week MA$30.211% above
200 week MA$27.622% above

SBCF 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.

SBCF Yearly ROI

YearStart priceEnd priceROI
2020$30.3$29.4-3.1%
2021$29.4$34.5+18%
2022$34.5$31.6-8.5%
2023$31.6$28.5-9.9%
2024$28.5$27.3-4.2%
2025$27.3$32.3+18%
2026 YTD$32.3$33.6+4%

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

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