CIFR

Cipher Mining Inc.

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

WNEB

Western New England Bancorp, Inc.

61
Fundamentals70/ 100
Valuation50/ 100
Upside potential55/ 100
Risk potential15/ 100

WNEB's fundamentals are strong: its operating margin rose 6 points to 29% and revenue grew 15%. Its PE isn't a useful guide right now because of how its recent earnings were reported.

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.

WNEB Fundamentals

MetricStatus
Stable
Strong
N/A
N/A

WNEB'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 WNEB.

CIFR PE Valuation

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

WNEB PE Valuation

CHEAPFAIREXPENSIVE5.6x11x17x23x
CHEAPFAIREXPENSIVE5.6x11x17x23x
LevelPEPriceVs current
Cheap8.2x$8.18-40%
Fair13x$12.99-3.9%
Forward13x$13.52—
Current14x$13.52—
Expensive18x$18.21+35%

Historical ranges are pointers, not guarantees.

WNEB's PE is 14x, but its earnings don't support one, so it isn't a reliable read right now.

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.

WNEB Forward outlook

MetricOutlook
Stable
Growth
Growth
Strongly improving
Limited
Moderate

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

WNEB Risk to reward

ScenarioChangePrice
Upside+18%$15.94
Downside-15%$11.51

Calculated from the latest close: $13.52 on Nov 12.

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

WNEB Earnings Per Share

Q4 2023: $0.70Q1 2024: $0.60Q2 2024: $0.64Q3 2024: $0.52Q4 2024: $0.56Q1 2025: $0.53Q2 2025: $0.59Q3 2025: $0.66Q4 2025: $0.76Q1 2026: $0.89Q2 2026: $0.84Q3 2026: $1.00Forward: $1.04
Q4 2023: $0.70Q1 2024: $0.60Q2 2024: $0.64Q3 2024: $0.52Q4 2024: $0.56Q1 2025: $0.53Q2 2025: $0.59Q3 2025: $0.66Q4 2025: $0.76Q1 2026: $0.89Q2 2026: $0.84Q3 2026: $1.00Forward: $1.04
QuarterTTM EPSYoY
Forward$1.04+4.3%
Q3 2026$1.00+52%
Q2 2026$0.84+42%
Q1 2026$0.89+68%
Q4 2025$0.76+36%
Q3 2025$0.66+27%
Q2 2025$0.59-7.8%
Q1 2025$0.53-12%
Q4 2024$0.56-20%

WNEB 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.

WNEB Quarterly Revenue

Q4 2023: $19MQ1 2024: $18MQ2 2024: $18MQ3 2024: $18MQ4 2024: $19MQ1 2025: $18MQ2 2025: $21MQ3 2025: $21MQ4 2025: $22MQ1 2026: $22MQ2 2026: $23MQ3 2026: $24M
Q4 2023: $19MQ1 2024: $18MQ2 2024: $18MQ3 2024: $18MQ4 2024: $19MQ1 2025: $18MQ2 2025: $21MQ3 2025: $21MQ4 2025: $22MQ1 2026: $22MQ2 2026: $23MQ3 2026: $24M
QuarterRevenueYoY
Q3 2026$23.9M+12%
Q2 2026$22.7M+7.9%
Q1 2026$22.3M+22%
Q4 2025$22M+19%
Q3 2025$21.3M+19%
Q2 2025$21.1M+15%
Q1 2025$18.3M+1.5%
Q4 2024$18.5M-1.9%

WNEB 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

WNEB has the stronger cash trend. Its trailing FCF is down 3% versus its history, compared with CIFR at down 974%.

WNEB Free Cash Flow

Q4 2023: $7MQ1 2024: $1MQ2 2024: $2MQ3 2024: --Q4 2024: $5MQ1 2025: −$1MQ2 2025: $7MQ3 2025: --Q4 2025: $6MQ1 2026: −$388,000Q2 2026: $6MQ3 2026: $7M
Q4 2023: $7MQ1 2024: $1MQ2 2024: $2MQ3 2024: --Q4 2024: $5MQ1 2025: −$1MQ2 2025: $7MQ3 2025: --Q4 2025: $6MQ1 2026: −$388,000Q2 2026: $6MQ3 2026: $7M
QuarterFree cash flowYoY
Q2 2026$5.9M-14%
Q1 2026-$388K+$853K
Q4 2025$6.4M+22%
Q2 2025$6.8M+247%
Q1 2025-$1.2M-206%
Q4 2024$5.2M-30%
Q1 2024$1.2M+$7.2M
Q4 2023$7.5M-54%

WNEB's free cash flow was $19M over the past year, up 48% from the year before. Free cash flow isn't a meaningful measure for financial services companies like WNEB.

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.

WNEB Total Shares

Q4 2023: 22MQ1 2024: 21MQ2 2024: 21MQ3 2024: 21MQ4 2024: 21MQ1 2025: 21MQ2 2025: 20MQ3 2025: 20MQ4 2025: 20MQ1 2026: 20MQ2 2026: 20MQ3 2026: 20M
Q4 2023: 22MQ1 2024: 21MQ2 2024: 21MQ3 2024: 21MQ4 2024: 21MQ1 2025: 21MQ2 2025: 20MQ3 2025: 20MQ4 2025: 20MQ1 2026: 20MQ2 2026: 20MQ3 2026: 20M
PeriodChange %Net change
Quarterly-0.5%-103K shares
1 year-2.2%-450K shares
3 years-8.7%-1.9M shares
5 years-13%-2.9M shares
Available history-25%-6.5M shares

WNEB 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.

WNEB Net Leverage

Q4 2023: 0.7xQ1 2024: 1.0xQ2 2024: 7.0xQ3 2024: 7.6xQ4 2024: 6.3xQ1 2025: 5.9xQ2 2025: 5.2xQ3 2025: 4.9xQ4 2025: 4.5xQ1 2026: 4.7xQ2 2026: 2.4xQ3 2026: 1.2x
Q4 2023: 0.7xQ1 2024: 1.0xQ2 2024: 7.0xQ3 2024: 7.6xQ4 2024: 6.3xQ1 2025: 5.9xQ2 2025: 5.2xQ3 2025: 4.9xQ4 2025: 4.5xQ1 2026: 4.7xQ2 2026: 2.4xQ3 2026: 1.2x
QuarterNet LeverageStatus
Q3 20261.2xHealthy
Q2 20262.4xModerate
Q1 20264.7xHigh
Q4 20254.5xHigh
Q3 20254.9xHigh
Q2 20255.2xHigh
Q1 20255.9xHigh
Q4 20246.3xHigh

WNEB's net debt is about 1.1 years of its operating earnings (EBITDA), down from 4.9 years a year ago. Net leverage isn't a meaningful measure for financial services companies like WNEB.

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

WNEB Weekly Momentum

MetricValueStatus
RSI47.9Neutral
Stochastic44.0Neutral

WNEB's weekly RSI is 48 (neutral) and its Stochastic is 44 (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.

WNEB PE vs Financial Services Sector

MetricWNEBSector medianRelative
PE14x13x3.8% above
PE %526311 pts below

WNEB is trading at 14x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.

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.

WNEB Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$13.81.7% below
20 week MA$13.82.3% below
50 week MA$13.50.1% below
100 week MA$11.914% above
200 week MA$9.7838% above

WNEB 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.

WNEB Yearly ROI

YearStart priceEnd priceROI
2020$9.61$6.75-30%
2021$6.75$8.61+28%
2022$8.61$9.56+11%
2023$9.56$9.00-5.9%
2024$9.00$9.19+2.1%
2025$9.19$12.8+39%
2026 YTD$12.8$13.5+5.5%

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

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