CIFR

Cipher Mining Inc.

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

SFBS

ServisFirst Bancshares, Inc.

68
Fundamentals77/ 100
Valuation64/ 100
Upside potential66/ 100
Risk potential14/ 100

SFBS's fundamentals are strong: revenue grew 25% and its operating margin rose 5 points to 64%. At 13x earnings, it's trading below its usual 16x. 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.

SFBS Fundamentals

MetricStatus
Healthy
Strong
N/A
N/A

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

CIFR PE Valuation

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

SFBS PE Valuation

CHEAPFAIREXPENSIVE6.7x13x20x27x
CHEAPFAIREXPENSIVE6.7x13x20x27x
LevelPEPriceVs current
Forward12x$41.04—
Cheap13x$40.25-1.9%
Current13x$41.04—
Fair16x$51.01+24%
Expensive21x$65.67+60%

Historical ranges are pointers, not guarantees.

SFBS's PE is in its cheap range at 13x. If earnings grow as analysts expect, today's price would be 12x 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.

SFBS Forward outlook

MetricOutlook
Improving
Growth
Growth
Improving
Limited
High

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

SFBS Risk to reward

ScenarioChangePrice
Upside+28%$52.40
Downside-14%$35.14

Calculated from the latest close: $41.04 on Nov 12.

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

SFBS Earnings Per Share

Q4 2023: $1.90Q1 2024: $1.82Q2 2024: $1.81Q3 2024: $1.87Q4 2024: $2.08Q1 2025: $2.20Q2 2025: $2.29Q3 2025: $2.33Q4 2025: $2.53Q1 2026: $2.71Q2 2026: $2.93Q3 2026: $3.13Forward: $3.43
Q4 2023: $1.90Q1 2024: $1.82Q2 2024: $1.81Q3 2024: $1.87Q4 2024: $2.08Q1 2025: $2.20Q2 2025: $2.29Q3 2025: $2.33Q4 2025: $2.53Q1 2026: $2.71Q2 2026: $2.93Q3 2026: $3.13Forward: $3.43
QuarterTTM EPSYoY
Forward$3.43+9.5%
Q3 2026$3.13+34%
Q2 2026$2.93+28%
Q1 2026$2.71+23%
Q4 2025$2.53+22%
Q3 2025$2.33+25%
Q2 2025$2.29+27%
Q1 2025$2.20+21%
Q4 2024$2.08+9.5%

SFBS 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.

SFBS Quarterly Revenue

Q4 2023: $109MQ1 2024: $111MQ2 2024: $115MQ3 2024: $124MQ4 2024: $132MQ1 2025: $132MQ2 2025: $132MQ3 2025: $136MQ4 2025: $162MQ1 2026: $159MQ2 2026: $169MQ3 2026: $173M
Q4 2023: $109MQ1 2024: $111MQ2 2024: $115MQ3 2024: $124MQ4 2024: $132MQ1 2025: $132MQ2 2025: $132MQ3 2025: $136MQ4 2025: $162MQ1 2026: $159MQ2 2026: $169MQ3 2026: $173M
QuarterRevenueYoY
Q3 2026$172.9M+27%
Q2 2026$168.5M+28%
Q1 2026$159M+21%
Q4 2025$162.2M+23%
Q3 2025$136.3M+10%
Q2 2025$132.1M+15%
Q1 2025$131.8M+18%
Q4 2024$132M+21%

SFBS 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.

SFBS Free Cash Flow

Q4 2023: $91MQ1 2024: $53MQ2 2024: $48MQ3 2024: $84MQ4 2024: $67MQ1 2025: $48MQ2 2025: $68MQ3 2025: $141MQ4 2025: $99MQ1 2026: $70MQ2 2026: $163MQ3 2026: $82M
Q4 2023: $91MQ1 2024: $53MQ2 2024: $48MQ3 2024: $84MQ4 2024: $67MQ1 2025: $48MQ2 2025: $68MQ3 2025: $141MQ4 2025: $99MQ1 2026: $70MQ2 2026: $163MQ3 2026: $82M
QuarterFree cash flowYoY
Q3 2026$82.4M-42%
Q2 2026$163.1M+141%
Q1 2026$70.1M+46%
Q4 2025$98.8M+47%
Q3 2025$140.9M+68%
Q2 2025$67.6M+40%
Q1 2025$48M-10%
Q4 2024$67.2M-26%

SFBS 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.

SFBS Total Shares

Q4 2023: 109MQ1 2024: 109MQ2 2024: 109MQ3 2024: 109MQ4 2024: 109MQ1 2025: 109MQ2 2025: 109MQ3 2025: 109MQ4 2025: 109MQ1 2026: 109MQ2 2026: 109MQ3 2026: 109M
Q4 2023: 109MQ1 2024: 109MQ2 2024: 109MQ3 2024: 109MQ4 2024: 109MQ1 2025: 109MQ2 2025: 109MQ3 2025: 109MQ4 2025: 109MQ1 2026: 109MQ2 2026: 109MQ3 2026: 109M
PeriodChange %Net change
Quarterly0%+26.2K shares
1 year+0.1%+96.1K shares
3 years+0.3%+371K shares
5 years+0.4%+477K shares
Available history+1.1%+1.2M shares

SFBS 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.

SFBS Net Leverage

Q4 2023: -0.2xQ1 2024: -0.1xQ2 2024: -0.3xQ3 2024: -0.3xQ4 2024: -0.2xQ1 2025: -0.2xQ2 2025: -0.2xQ3 2025: -0.3xQ4 2025: -0.2xQ1 2026: -0.2xQ2 2026: -0.2xQ3 2026: -0.2x
Q4 2023: -0.2xQ1 2024: -0.1xQ2 2024: -0.3xQ3 2024: -0.3xQ4 2024: -0.2xQ1 2025: -0.2xQ2 2025: -0.2xQ3 2025: -0.3xQ4 2025: -0.2xQ1 2026: -0.2xQ2 2026: -0.2xQ3 2026: -0.2x
QuarterNet LeverageStatus
Q3 2026-0.2xNet Cash
Q2 2026-0.2xNet Cash
Q1 2026-0.2xNet Cash
Q4 2025-0.2xNet Cash
Q3 2025-0.3xNet Cash
Q2 2025-0.2xNet Cash
Q1 2025-0.2xNet Cash
Q4 2024-0.2xNet Cash

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

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

SFBS Weekly Momentum

MetricValueStatus
RSI49.6Neutral
Stochastic38.6Neutral

SFBS's weekly RSI is 50 (neutral) and its Stochastic is 39 (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.

SFBS PE vs Financial Services Sector

MetricSFBSSector medianRelative
PE13x13x0.5% above
PE %186345 pts below

SFBS is trading at 13x 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.

SFBS Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$40.41.7% above
20 week MA$42.22.8% below
50 week MA$40.31.8% above
100 week MA$40.12.3% above
200 week MA$35.914% above

SFBS 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.

SFBS Yearly ROI

YearStart priceEnd priceROI
2020$18.9$20.1+6.7%
2021$20.1$43.7+117%
2022$43.7$34.4-21%
2023$34.4$33.3-3.1%
2024$33.3$43.3+30%
2025$43.3$36.8-15%
2026 YTD$36.8$41.0+12%

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

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