CIFR

Cipher Mining Inc.

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

SBSI

Southside Bancshares, Inc.

65
Fundamentals77/ 100
Valuation56/ 100
Upside potential66/ 100
Risk potential11/ 100

SBSI's fundamentals are strong: its operating margin rose 8 points to 43% and revenue grew 16%. At 11x earnings, it's trading below its usual 12x. 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.

SBSI Fundamentals

MetricStatus
Strong
Strong
N/A
N/A

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

CIFR PE Valuation

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

SBSI PE Valuation

CHEAPFAIREXPENSIVE4.6x9.1x14x18x
CHEAPFAIREXPENSIVE4.6x9.1x14x18x
LevelPEPriceVs current
Cheap9.9x$32.86-6%
Forward10x$34.98—
Current11x$34.98—
Fair12x$39.16+12%
Expensive15x$48.19+38%

Historical ranges are pointers, not guarantees.

SBSI's PE is in its cheap 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

Analysts expect CIFR's losses to shrink, with revenue growing. However, they disagree widely on these estimates.

SBSI Forward outlook

MetricOutlook
Improving
Growth
Growth
Improving
Limited
Moderate

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

SBSI Risk to reward

ScenarioChangePrice
Upside+21%$42.49
Downside-11%$31.13

Calculated from the latest close: $34.98 on Nov 12.

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

SBSI Earnings Per Share

Q4 2023: $2.82Q1 2024: $2.70Q2 2024: $2.70Q3 2024: $2.78Q4 2024: $2.91Q1 2025: $2.91Q2 2025: $2.82Q3 2025: $2.30Q4 2025: $2.29Q1 2026: $2.36Q2 2026: $2.54Q3 2026: $3.31Forward: $3.51
Q4 2023: $2.82Q1 2024: $2.70Q2 2024: $2.70Q3 2024: $2.78Q4 2024: $2.91Q1 2025: $2.91Q2 2025: $2.82Q3 2025: $2.30Q4 2025: $2.29Q1 2026: $2.36Q2 2026: $2.54Q3 2026: $3.31Forward: $3.51
QuarterTTM EPSYoY
Forward$3.51+6%
Q3 2026$3.31+44%
Q2 2026$2.54-9.9%
Q1 2026$2.36-19%
Q4 2025$2.29-21%
Q3 2025$2.30-17%
Q2 2025$2.82+4.4%
Q1 2025$2.91+7.8%
Q4 2024$2.91+3.2%

SBSI 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.

SBSI Quarterly Revenue

Q4 2023: $57MQ1 2024: $63MQ2 2024: $65MQ3 2024: $64MQ4 2024: $66MQ1 2025: $64MQ2 2025: $66MQ3 2025: $44MQ4 2025: $63MQ1 2026: $70MQ2 2026: $71MQ3 2026: $74M
Q4 2023: $57MQ1 2024: $63MQ2 2024: $65MQ3 2024: $64MQ4 2024: $66MQ1 2025: $64MQ2 2025: $66MQ3 2025: $44MQ4 2025: $63MQ1 2026: $70MQ2 2026: $71MQ3 2026: $74M
QuarterRevenueYoY
Q3 2026$74M+69%
Q2 2026$71.3M+7.4%
Q1 2026$70.3M+9.7%
Q4 2025$62.8M-4.8%
Q3 2025$43.7M-31%
Q2 2025$66.4M+1.9%
Q1 2025$64.1M+1.6%
Q4 2024$66M+16%

SBSI 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.

SBSI Free Cash Flow

Q4 2023: −$58MQ1 2024: $56MQ2 2024: $15MQ3 2024: −$14MQ4 2024: $34MQ1 2025: $22MQ2 2025: −$2MQ3 2025: $37MQ4 2025: $17MQ1 2026: $45MQ2 2026: $28MQ3 2026: $65M
Q4 2023: −$58MQ1 2024: $56MQ2 2024: $15MQ3 2024: −$14MQ4 2024: $34MQ1 2025: $22MQ2 2025: −$2MQ3 2025: $37MQ4 2025: $17MQ1 2026: $45MQ2 2026: $28MQ3 2026: $65M
QuarterFree cash flowYoY
Q3 2026$65.4M+75%
Q2 2026$27.5M+$29.5M
Q1 2026$45M+109%
Q4 2025$16.6M-51%
Q3 2025$37.4M+$51.5M
Q2 2025-$2M-113%
Q1 2025$21.5M-61%
Q4 2024$33.7M+$92.2M

SBSI 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.

SBSI Total Shares

Q4 2023: 31MQ1 2024: 30MQ2 2024: 30MQ3 2024: 30MQ4 2024: 30MQ1 2025: 30MQ2 2025: 30MQ3 2025: 30MQ4 2025: 30MQ1 2026: 30MQ2 2026: 30MQ3 2026: 30M
Q4 2023: 31MQ1 2024: 30MQ2 2024: 30MQ3 2024: 30MQ4 2024: 30MQ1 2025: 30MQ2 2025: 30MQ3 2025: 30MQ4 2025: 30MQ1 2026: 30MQ2 2026: 30MQ3 2026: 30M
PeriodChange %Net change
Quarterly+0.1%+28K shares
1 year-0.8%-230K shares
3 years-2.1%-638K shares
5 years-8.1%-2.7M shares
Available history-12%-4M shares

SBSI 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.

SBSI Net Leverage

Q4 2023: -3.6xQ1 2024: -2.9xQ2 2024: -2.8xQ3 2024: -3.0xQ4 2024: -2.3xQ1 2025: -2.4xQ2 2025: -2.1xQ3 2025: -1.8xQ4 2025: -1.0xQ1 2026: -1.9xQ2 2026: -1.9xQ3 2026: -1.8x
Q4 2023: -3.6xQ1 2024: -2.9xQ2 2024: -2.8xQ3 2024: -3.0xQ4 2024: -2.3xQ1 2025: -2.4xQ2 2025: -2.1xQ3 2025: -1.8xQ4 2025: -1.0xQ1 2026: -1.9xQ2 2026: -1.9xQ3 2026: -1.8x
QuarterNet LeverageStatus
Q3 2026-1.8xNet Cash
Q2 2026-1.9xNet Cash
Q1 2026-1.9xNet Cash
Q4 2025-1.0xNet Cash
Q3 2025-1.8xNet Cash
Q2 2025-2.1xNet Cash
Q1 2025-2.4xNet Cash
Q4 2024-2.3xNet Cash

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

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

SBSI Weekly Momentum

MetricValueStatus
RSI62.5Neutral
Stochastic77.9Neutral

SBSI's weekly RSI is 62 (neutral) and its Stochastic is 78 (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.

SBSI PE vs Financial Services Sector

MetricSBSISector medianRelative
PE11x13x19% below
PE %276336 pts below

SBSI is trading at 11x earnings, a 19% 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.

SBSI Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$32.18.8% above
20 week MA$32.77% above
50 week MA$32.57.8% above
100 week MA$31.013% above
200 week MA$30.913% above

SBSI 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.

SBSI Yearly ROI

YearStart priceEnd priceROI
2020$37.1$31.3-15%
2021$31.3$41.3+32%
2022$41.3$35.5-14%
2023$35.5$31.3-12%
2024$31.3$31.8+1.6%
2025$31.8$31.3-1.7%
2026 YTD$31.3$35.0+12%

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

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