CIFR
Cipher Mining Inc.
There isn't enough reported data to score CIFR yet.
UMBF
UMB Financial Corporation
UMBF's fundamentals are strong: revenue grew 27% and its operating margin rose 11 points to 43%. At 10x earnings, it's trading below its usual 12x. Analysts expect earnings growth.
CIFR Fundamentals
| Metric | Status |
|---|---|
| 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.
UMBF Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
UMBF's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like UMBF.
CIFR PE Valuation
CIFR has no meaningful PE right now: it lost money over the past year.
UMBF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 9.7x | $133 | — |
| Cheap | 10x | $135 | +0.9% |
| Current | 10x | $133 | — |
| Fair | 12x | $160 | +20% |
| Expensive | 14x | $188 | +41% |
Historical ranges are pointers, not guarantees.
UMBF's PE is in its cheap range at 10x. On analysts' estimates for next year's earnings, today's price would be 9.7x.
CIFR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| 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.
UMBF Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for UMBF, with profitability improving.
CIFR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| 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.
UMBF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.71 | +2.5% |
| Q3 2026 | $13.37 | +51% |
| Q2 2026 | $12.17 | +40% |
| Q1 2026 | $11.43 | +44% |
| Q4 2025 | $9.29 | +3.3% |
| Q3 2025 | $8.83 | +10% |
| Q2 2025 | $8.70 | +12% |
| Q1 2025 | $7.95 | +5.6% |
| Q4 2024 | $8.99 | +25% |
UMBF has the edge over CIFR on earnings quality, reporting a profit while its opponent remains loss making.
CIFR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| 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.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -269% | -217 points |
| Q2 2026 | -316% | -212 points |
| Q1 2026 | -329% | -251 points |
| Q4 2025 | -503% | -544 points |
| Q3 2025 | -52% | +327 points |
| Q2 2025 | -104% | -60 points |
| Q1 2025 | -78% | -175 points |
| Q4 2024 | 40% | +4 points |
CIFR's operating margin was −269% last quarter, down 217 points from the same quarter a year ago.
UMBF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $772.4M | +14% |
| Q2 2026 | $778M | +13% |
| Q1 2026 | $739.2M | +31% |
| Q4 2025 | $720.9M | +66% |
| Q3 2025 | $678.3M | +67% |
| Q2 2025 | $689.2M | +77% |
| Q1 2025 | $563.8M | +41% |
| Q4 2024 | $434.2M | +17% |
UMBF has the edge over CIFR on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | +9.4 points |
| Q2 2026 | 45% | +5.1 points |
| Q1 2026 | 45% | +28 points |
| Q4 2025 | 38% | +4.1 points |
| Q3 2025 | 35% | +1.5 points |
| Q2 2025 | 40% | +7.4 points |
| Q1 2025 | 17% | -17 points |
| Q4 2024 | 33% | +12 points |
UMBF has the edge over CIFR on profitability, with a higher operating margin.
CIFR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| 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.
UMBF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $358.9M | +39% |
| Q2 2026 | $330.8M | +22% |
| Q1 2026 | $356.8M | +0.7% |
| Q4 2025 | $95.3M | +$172.4M |
| Q3 2025 | $257.8M | +119% |
| Q2 2025 | $270.8M | +154% |
| Q1 2025 | $354.2M | +559% |
| Q4 2024 | -$77.1M | -195% |
UMBF has the edge over CIFR on cash generation, producing positive trailing cash flow while its opponent burns cash.
CIFR Total Shares
| Period | Change % | 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.
| Quarter | Spent |
|---|---|
| Q3 2026 | $19.7M |
| Q2 2026 | $45.2M |
| Q1 2026 | $3.8M |
| Q4 2025 | $82.3M |
| Q3 2025 | $3M |
| Q2 2025 | $3.2M |
| Q1 2025 | $1.1M |
| Q4 2024 | $16.9M |
CIFR spent $151M buying back its own shares over the past year, about six times what it spent the year before.
UMBF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +112K shares |
| 1 year | +0.2% | +137K shares |
| 3 years | +57% | +27.8M shares |
| 5 years | +57% | +27.8M shares |
| Available history | +56% | +27.4M shares |
UMBF has the edge over CIFR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $5.1M |
| Q1 2026 | $32.8M |
| Q4 2025 | $79,000 |
| Q3 2025 | $1.8M |
| Q2 2025 | $290,000 |
| Q1 2025 | $15.4M |
| Q4 2024 | — |
UMBF spent $38M buying back its own shares over the past year, up 116% from the year before.
CIFR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2025 | -2.3x | Net Cash |
| Q1 2025 | 125.4x | High |
| Q4 2024 | 0.5x | Very low |
| Q3 2024 | -0.7x | Net Cash |
| Q2 2024 | -1.2x | Net Cash |
| Q1 2024 | -0.9x | Net Cash |
| Q4 2023 | -2.2x | Net Cash |
| Q2 2023 | -0.1x | Net Cash |
CIFR has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CIFR.
UMBF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.0x | Net Cash |
| Q2 2026 | -3.9x | Net Cash |
| Q1 2026 | -4.6x | Net Cash |
| Q4 2025 | -7.2x | Net Cash |
| Q3 2025 | -9.7x | Net Cash |
| Q2 2025 | -13.9x | Net Cash |
| Q1 2025 | -17.5x | Net Cash |
| Q4 2024 | -13.6x | Net Cash |
UMBF has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like UMBF.
CIFR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 34.4 | Neutral |
| Stochastic | 7.8 | Oversold |
CIFR's weekly RSI is 34 (neutral) and its Stochastic is 8 (oversold).
UMBF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 48.3 | Neutral |
| Stochastic | 30.0 | Neutral |
UMBF's weekly RSI is 48 (neutral) and its Stochastic is 30 (neutral).
CIFR PE vs Financial Services Sector
| Metric | CIFR | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
CIFR has no meaningful PE right now: it lost money over the past year.
UMBF PE vs Financial Services Sector
| Metric | UMBF | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 23% below |
| PE % | 15 | 63 | 48 pts below |
UMBF is trading at 10x earnings, a 23% discount to the Financial Services sector's median of 13x.
CIFR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $10.6 | 33% below |
| 20 week MA | $15.5 | 54% below |
| 50 week MA | $17.0 | 58% below |
| 100 week MA | $12.2 | 41% below |
| 200 week MA | $7.86 | 9% below |
CIFR is in a downtrend: it's below all five of its weekly moving averages, and 9% below its 200-week average.
UMBF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $133.2 | 0.2% above |
| 20 week MA | $139.6 | 4.4% below |
| 50 week MA | $129.9 | 2.8% above |
| 100 week MA | $119.4 | 12% above |
| 200 week MA | $100.2 | 33% above |
UMBF has the edge over CIFR on trend strength, trading above more of its moving averages.
CIFR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 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.
UMBF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $68.8 | $69.2 | +0.5% |
| 2021 | $69.2 | $105.2 | +52% |
| 2022 | $105.2 | $82.2 | -22% |
| 2023 | $82.2 | $83.6 | +1.7% |
| 2024 | $83.6 | $113.7 | +36% |
| 2025 | $113.7 | $118.9 | +4.6% |
| 2026 YTD | $118.9 | $133.5 | +12% |
UMBF has the edge over CIFR on returns for 2026, with the stronger performance.