CIFR

Cipher Mining Inc.

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

TCBK

TriCo Bancshares

60
Fundamentals69/ 100
Valuation50/ 100
Upside potential62/ 100
Risk potential14/ 100

TCBK's fundamentals are strong: its operating margin rose 4 points to 43% and revenue grew 8.8%. At 12x earnings, it's trading in line with its usual 13x. 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.

TCBK Fundamentals

MetricStatus
Stable
Strong
N/A
N/A

TCBK'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 TCBK.

CIFR PE Valuation

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

TCBK PE Valuation

CHEAPFAIREXPENSIVE6.2x12x19x25x
CHEAPFAIREXPENSIVE6.2x12x19x25x
LevelPEPriceVs current
Cheap10x$43.55-16%
Fair12x$53.64+4%
Current12x$51.58—
Forward12x$51.58—
Expensive14x$60.04+16%

Historical ranges are pointers, not guarantees.

TCBK's PE is in its fair range at 12.0x. If earnings grow as analysts expect, today's price would be 11.6x 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.

TCBK Forward outlook

MetricOutlook
Stable
Growth
Growth
Improving
Limited
High

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

TCBK Risk to reward

ScenarioChangePrice
Upside+22%$63.03
Downside-14%$44.59

Calculated from the latest close: $51.58 on Nov 12.

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

TCBK Earnings Per Share

Q4 2023: $3.52Q1 2024: $3.28Q2 2024: $3.40Q3 2024: $3.36Q4 2024: $3.46Q1 2025: $3.43Q2 2025: $3.40Q3 2025: $3.56Q4 2025: $3.70Q1 2026: $3.94Q2 2026: $4.16Q3 2026: $4.30Forward: $4.44
Q4 2023: $3.52Q1 2024: $3.28Q2 2024: $3.40Q3 2024: $3.36Q4 2024: $3.46Q1 2025: $3.43Q2 2025: $3.40Q3 2025: $3.56Q4 2025: $3.70Q1 2026: $3.94Q2 2026: $4.16Q3 2026: $4.30Forward: $4.44
QuarterTTM EPSYoY
Forward$4.44+3.2%
Q3 2026$4.30+21%
Q2 2026$4.16+22%
Q1 2026$3.94+15%
Q4 2025$3.70+6.9%
Q3 2025$3.56+6%
Q2 2025$3.400%
Q1 2025$3.43+4.6%
Q4 2024$3.46-1.7%

TCBK 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.

TCBK Quarterly Revenue

Q4 2023: $103MQ1 2024: $99MQ2 2024: $98MQ3 2024: $99MQ4 2024: $100MQ1 2025: $99MQ2 2025: $104MQ3 2025: $108MQ4 2025: $109MQ1 2026: $108MQ2 2026: $112MQ3 2026: $117M
Q4 2023: $103MQ1 2024: $99MQ2 2024: $98MQ3 2024: $99MQ4 2024: $100MQ1 2025: $99MQ2 2025: $104MQ3 2025: $108MQ4 2025: $109MQ1 2026: $108MQ2 2026: $112MQ3 2026: $117M
QuarterRevenueYoY
Q3 2026$116.7M+8.5%
Q2 2026$111.9M+8%
Q1 2026$108.3M+9.8%
Q4 2025$109.4M+9%
Q3 2025$107.6M+8.5%
Q2 2025$103.6M+5.9%
Q1 2025$98.6M+0.1%
Q4 2024$100.4M-2.2%

TCBK 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.

TCBK Free Cash Flow

Q4 2023: $36MQ1 2024: $24MQ2 2024: $31MQ3 2024: $27MQ4 2024: $23MQ1 2025: $23MQ2 2025: $28MQ3 2025: $43MQ4 2025: $34MQ1 2026: $33MQ2 2026: $23MQ3 2026: $39M
Q4 2023: $36MQ1 2024: $24MQ2 2024: $31MQ3 2024: $27MQ4 2024: $23MQ1 2025: $23MQ2 2025: $28MQ3 2025: $43MQ4 2025: $34MQ1 2026: $33MQ2 2026: $23MQ3 2026: $39M
QuarterFree cash flowYoY
Q3 2026$39.1M-9.5%
Q2 2026$23.2M-18%
Q1 2026$33M+45%
Q4 2025$33.7M+47%
Q3 2025$43.2M+58%
Q2 2025$28.2M-8.5%
Q1 2025$22.8M-5.1%
Q4 2024$22.9M-35%

TCBK 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.

TCBK Total Shares

Q4 2023: 33MQ1 2024: 33MQ2 2024: 33MQ3 2024: 33MQ4 2024: 33MQ1 2025: 33MQ2 2025: 33MQ3 2025: 33MQ4 2025: 33MQ1 2026: 32MQ2 2026: 32MQ3 2026: 32M
Q4 2023: 33MQ1 2024: 33MQ2 2024: 33MQ3 2024: 33MQ4 2024: 33MQ1 2025: 33MQ2 2025: 33MQ3 2025: 33MQ4 2025: 33MQ1 2026: 32MQ2 2026: 32MQ3 2026: 32M
PeriodChange %Net change
Quarterly0%+11K shares
1 year-1.8%-605K shares
3 years-3.6%-1.2M shares
5 years+7.6%+2.3M shares
Available history+4.8%+1.5M shares

TCBK 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.

TCBK Net Leverage

Q4 2023: 3.2xQ1 2024: 2.0xQ2 2024: 0.3xQ3 2024: -0.3xQ4 2024: -0.3xQ1 2025: -1.4xQ2 2025: -1.9xQ3 2025: -1.7xQ4 2025: -0.8xQ1 2026: -1.6xQ2 2026: -0.5xQ3 2026: -1.0x
Q4 2023: 3.2xQ1 2024: 2.0xQ2 2024: 0.3xQ3 2024: -0.3xQ4 2024: -0.3xQ1 2025: -1.4xQ2 2025: -1.9xQ3 2025: -1.7xQ4 2025: -0.8xQ1 2026: -1.6xQ2 2026: -0.5xQ3 2026: -1.0x
QuarterNet LeverageStatus
Q3 2026-1.0xNet Cash
Q2 2026-0.5xNet Cash
Q1 2026-1.6xNet Cash
Q4 2025-0.8xNet Cash
Q3 2025-1.7xNet Cash
Q2 2025-1.9xNet Cash
Q1 2025-1.4xNet Cash
Q4 2024-0.3xNet Cash

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

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

TCBK Weekly Momentum

MetricValueStatus
RSI45.7Neutral
Stochastic21.0Neutral

TCBK's weekly RSI is 46 (neutral) and its Stochastic is 21 (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.

TCBK PE vs Financial Services Sector

MetricTCBKSector medianRelative
PE12x13x7.8% below
PE %406323 pts below

TCBK is trading at 12x 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.

TCBK Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$52.21.1% below
20 week MA$54.45.1% below
50 week MA$51.50.2% above
100 week MA$46.910% above
200 week MA$43.120% above

TCBK 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.

TCBK Yearly ROI

YearStart priceEnd priceROI
2020$40.8$34.5-15%
2021$34.5$42.0+22%
2022$42.0$50.5+20%
2023$50.5$43.0-15%
2024$43.0$44.0+2.5%
2025$44.0$48.3+9.7%
2026 YTD$48.3$51.6+6.8%

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

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