CIFR
Cipher Mining Inc.
There isn't enough reported data to score CIFR yet.
UNB
Union Bankshares, Inc.
UNB's fundamentals are mixed: revenue grew 7.6%, while earnings per share grew 5.3%. At 8.8x earnings, it's trading below its usual 10x.
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.
UNB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
UNB'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 UNB.
CIFR PE Valuation
CIFR has no meaningful PE right now: it lost money over the past year.
UNB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.7x | $22.58 | -1.1% |
| Current | 8.8x | $22.84 | — |
| Fair | 10x | $26.37 | +15% |
| Expensive | 13x | $33.37 | +46% |
Historical ranges are pointers, not guarantees.
UNB's PE is in its cheap range at 8.8x.
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.
UNB Forward outlook
There aren't enough analyst estimates for UNB to show an outlook.
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.
UNB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $2.60 | +5.3% |
| Q2 2026 | $2.59 | +29% |
| Q1 2026 | $2.51 | +29% |
| Q4 2025 | $2.41 | +26% |
| Q3 2025 | $2.47 | +27% |
| Q2 2025 | $2.01 | -8.6% |
| Q1 2025 | $1.94 | -17% |
| Q4 2024 | $1.92 | -23% |
UNB 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.
UNB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $15M | +3.3% |
| Q2 2026 | $14.9M | +13% |
| Q1 2026 | $13.8M | +8.5% |
| Q4 2025 | $14.1M | +6.3% |
| Q3 2025 | $14.5M | +31% |
| Q2 2025 | $13.2M | +7.8% |
| Q1 2025 | $12.7M | +9.8% |
| Q4 2024 | $13.2M | +12% |
UNB has the edge over CIFR on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2021 | 30% | +0.5 points |
| Q1 2021 | 31% | +5.6 points |
| Q4 2020 | 35% | +5.4 points |
| Q3 2020 | 36% | N/A |
| Q2 2020 | 29% | N/A |
| Q1 2020 | 25% | N/A |
| Q4 2019 | 30% | N/A |
UNB's operating margin was 30% last quarter, up 0.5 points from the same quarter a year ago.
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.
UNB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $849K | -91% |
| Q2 2026 | $6M | +$6.4M |
| Q1 2026 | $2.5M | -37% |
| Q4 2025 | $2.9M | -49% |
| Q3 2025 | $9.6M | +793% |
| Q2 2025 | -$381K | -113% |
| Q1 2025 | $3.9M | +165% |
| Q4 2024 | $5.6M | +155% |
UNB 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.
UNB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +3% | +145K shares |
| 1 year | +8.2% | +378K shares |
| 3 years | +9.6% | +438K shares |
| 5 years | +10% | +465K shares |
| Available history | +11% | +509K shares |
UNB has the edge over CIFR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | $15,000 |
| Q3 2023 | $55,000 |
| Q2 2023 | — |
| Q1 2023 | $60,000 |
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.
UNB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2021 | -0.3x | Net Cash |
| Q1 2021 | -0.3x | Net Cash |
| Q4 2020 | 0.1x | Very low |
| Q3 2020 | -0.3x | Net Cash |
| Q2 2020 | -0.4x | Net Cash |
| Q1 2020 | -0.5x | Net Cash |
| Q4 2019 | 3.0x | Moderate |
UNB has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like UNB.
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).
UNB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 42.3 | Neutral |
| Stochastic | 16.2 | Oversold |
UNB's weekly RSI is 42 (neutral) and its Stochastic is 16 (oversold).
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.
UNB PE vs Financial Services Sector
| Metric | UNB | Sector median | Relative |
|---|---|---|---|
| PE | 8.8x | 13x | 33% below |
| PE % | 18 | 63 | 45 pts below |
UNB is trading at 8.8x earnings, a 33% 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.
UNB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $23.0 | 0.8% below |
| 20 week MA | $23.8 | 3.8% below |
| 50 week MA | $23.9 | 4.4% below |
| 100 week MA | $26.1 | 12% below |
| 200 week MA | $25.9 | 12% below |
UNB is in a downtrend: it's below all five of its weekly moving averages, and 12% below its 200-week average.
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.
UNB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $37.1 | $25.8 | -30% |
| 2021 | $25.8 | $30.3 | +17% |
| 2022 | $30.3 | $23.2 | -23% |
| 2023 | $23.2 | $30.7 | +32% |
| 2024 | $30.7 | $28.6 | -6.7% |
| 2025 | $28.6 | $23.5 | -18% |
| 2026 YTD | $23.5 | $22.8 | -2.9% |
UNB has the edge over CIFR on returns for 2026, with the stronger performance.