CIFR

Cipher Mining Inc.

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

TCBS

Texas Community Bancshares, Inc.

63
Fundamentals68/ 100
Valuation72/ 100
Upside potential58/ 100
Risk potential8/ 100

TCBS's fundamentals are strong and it looks cheap: trading at 15x earnings, below its usual 24x.

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.

TCBS Fundamentals

MetricStatus
Stable
Strong
N/A
N/A

TCBS'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 TCBS.

CIFR PE Valuation

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

TCBS PE Valuation

CHEAPFAIREXPENSIVE112x223x335x447x
CHEAPFAIREXPENSIVE112x223x335x447x
LevelPEPriceVs current
Current15x$17.30—
Cheap16x$18.97+9.7%
Fair24x$27.51+59%
Expensive79x$91.78+431%

Historical ranges are pointers, not guarantees.

TCBS's PE is in its cheap range at 15x.

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.

TCBS Forward outlook

There aren't enough analyst estimates for TCBS to show an outlook.

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 TCBS's risk to reward.

TCBS Risk to reward

ScenarioChangePrice
Upside+12%$19.29
Downside-8%$15.87

Calculated from the latest close: $17.30 on Nov 12.

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

TCBS Earnings Per Share

Q4 2023: $-0.24Q1 2025: $0.67Q2 2025: $0.78Q3 2025: $0.85Q4 2025: $1.00Q1 2026: $1.09Q2 2026: $1.21Q3 2026: $1.16
Q4 2023: $-0.24Q1 2025: $0.67Q2 2025: $0.78Q3 2025: $0.85Q4 2025: $1.00Q1 2026: $1.09Q2 2026: $1.21Q3 2026: $1.16
QuarterTTM EPSYoY
Q3 2026$1.16+36%
Q2 2026$1.21+55%
Q1 2026$1.09+63%
Q4 2023-$0.24-141%
Q3 2023$0.00-100%
Q2 2023$0.03-90%
Q1 2023$0.12-43%

TCBS 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.

TCBS Quarterly Revenue

Q4 2023: $3MQ1 2024: --Q2 2024: $4MQ3 2024: $4MQ4 2024: $4MQ1 2025: $4MQ2 2025: $4MQ3 2025: $4MQ4 2025: $4MQ1 2026: $4MQ2 2026: $4MQ3 2026: $4M
Q4 2023: $3MQ1 2024: --Q2 2024: $4MQ3 2024: $4MQ4 2024: $4MQ1 2025: $4MQ2 2025: $4MQ3 2025: $4MQ4 2025: $4MQ1 2026: $4MQ2 2026: $4MQ3 2026: $4M
QuarterRevenueYoY
Q3 2026$4M-9.2%
Q2 2026$4.4M+18%
Q1 2026$4.1M+8.9%
Q4 2025$4.4M+13%
Q3 2025$4.4M+18%
Q2 2025$3.8M+4.9%
Q4 2024$3.9M+16%
Q3 2024$3.7M+8.9%

TCBS 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.

TCBS Free Cash Flow

Q4 2023: −$2MQ1 2024: --Q2 2024: $261,000Q3 2024: $858,000Q4 2024: −$87,000Q1 2025: −$2MQ2 2025: $822,000Q3 2025: $2MQ4 2025: $160,000Q1 2026: −$178,000Q2 2026: $786,000Q3 2026: $1M
Q4 2023: −$2MQ1 2024: --Q2 2024: $261,000Q3 2024: $858,000Q4 2024: −$87,000Q1 2025: −$2MQ2 2025: $822,000Q3 2025: $2MQ4 2025: $160,000Q1 2026: −$178,000Q2 2026: $786,000Q3 2026: $1M
QuarterFree cash flowYoY
Q3 2026$1.1M-32%
Q2 2026$786K-4.4%
Q1 2026-$178K+$1.4M
Q4 2025$160K+$247K
Q3 2025$1.6M+81%
Q2 2025$822K+215%
Q4 2024-$87K+$1.8M
Q3 2024$858K+97%

TCBS 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.

TCBS Total Shares

Q4 2023: 3MQ2 2024: 3MQ3 2024: 3MQ4 2024: 3MQ1 2025: 3MQ2 2025: 3MQ3 2025: 3MQ4 2025: 3MQ1 2026: 3MQ2 2026: 3MQ3 2026: 3M
Q4 2023: 3MQ2 2024: 3MQ3 2024: 3MQ4 2024: 3MQ1 2025: 3MQ2 2025: 3MQ3 2025: 3MQ4 2025: 3MQ1 2026: 3MQ2 2026: 3MQ3 2026: 3M
PeriodChange %Net change
Quarterly-0.7%-18K shares
1 year-4.9%-141K shares
3 years-13%-407K shares
5 years-16%-533K shares

TCBS 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.

TCBS Net Leverage

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

TCBS Weekly Momentum

MetricValueStatus
RSI51.9Neutral
Stochastic32.1Neutral

TCBS's weekly RSI is 52 (neutral) and its Stochastic is 32 (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.

TCBS PE vs Financial Services Sector

MetricTCBSSector medianRelative
PE15x13x15% above
PE %86658 pts below

TCBS is trading at 15x earnings, a 15% 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.

TCBS Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$17.11% above
20 week MA$17.40.3% below
50 week MA$17.20.9% above
100 week MA$16.64.5% above
200 week MA$15.115% above

TCBS 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.

TCBS Yearly ROI

YearStart priceEnd priceROI
2021$15.1$15.5+2.8%
2022$15.5$15.1-2.5%
2023$15.1$14.1-6.6%
2024$14.1$15.1+6.9%
2025$15.1$17.6+17%
2026 YTD$17.6$17.3-1.7%

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

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