IREN

IREN Limited

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

MVBF

MVB Financial Corp.

52
Fundamentals29/ 100
Valuation40/ 100
Upside potential52/ 100
Risk potential18/ 100

MVBF's fundamentals are weak and it looks expensive: trading at 15x earnings, above its usual 12x. Analysts expect strong earnings growth.

IREN Fundamentals

MetricStatus
Under pressure
Weak
N/A
N/A

IREN's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like IREN.

MVBF Fundamentals

MetricStatus
Stable
Stable
N/A
N/A

MVBF's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like MVBF.

IREN PE Valuation

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

MVBF PE Valuation

CHEAPFAIREXPENSIVE5.4x11x16x21x
CHEAPFAIREXPENSIVE5.4x11x16x21x
LevelPEPriceVs current
Cheap9.3x$15.45-40%
Forward11x$25.68—
Fair12x$19.79-23%
Expensive15x$24.76-3.6%
Current15x$25.68—

Historical ranges are pointers, not guarantees.

MVBF's PE is in its expensive range at 15x. If earnings grow as analysts expect, today's price would be 11x next year's earnings, in its fair range.

IREN Forward outlook

MetricOutlook
--
Losses growing
Strong growth
Strongly improving
Limited
Low

Analysts expect IREN's losses to grow, with revenue growing. However, they disagree widely on these estimates.

MVBF Forward outlook

MetricOutlook
Strongly improving
Strong growth
Growth
Strongly improving
Limited
High

MVBF has the edge over IREN on the outlook, with more favorable earnings expectations.

IREN Risk to reward

ScenarioChangePrice
UpsideUnknown—
DownsideUnknown—

Calculated from the latest close: $19.48 on Nov 12.

There is not enough scenario data to compare IREN and MVBF's risk to reward.

MVBF Risk to reward

ScenarioChangePrice
Upside+19%$30.61
Downside-18%$21.16

Calculated from the latest close: $25.68 on Nov 12.

There is not enough scenario data to compare IREN and MVBF's risk to reward.

IREN Earnings Per Share

Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
Q4 2023: $-0.29Q1 2024: $-0.16Q2 2024: $-0.20Q3 2024: $-0.39Q4 2024: $-0.44Q1 2025: $-0.59Q2 2025: $0.25Q3 2025: $1.60Q4 2025: $1.18Q1 2026: $0.51Q2 2026: $-2.22Q3 2026: $-3.96
QuarterTTM EPSYoY
Q3 2026-$3.96-347%
Q2 2026-$2.22-988%
Q1 2026$0.51+$1.10
Q4 2025$1.18+$1.62
Q3 2025$1.60+$1.99
Q2 2025$0.25+$0.45
Q1 2025-$0.59-$0.43
Q4 2024-$0.44-$0.15

IREN has swung to a loss: it lost $3.96 per share over the past year, after a profit the year before.

MVBF Earnings Per Share

Q4 2023: $2.40Q1 2024: $1.87Q2 2024: $1.55Q3 2024: $1.42Q4 2024: $1.53Q1 2025: $1.46Q2 2025: $1.30Q3 2025: $2.46Q4 2025: $2.06Q1 2026: $2.18Q2 2026: $2.96Q3 2026: $1.67Forward: $2.29
Q4 2023: $2.40Q1 2024: $1.87Q2 2024: $1.55Q3 2024: $1.42Q4 2024: $1.53Q1 2025: $1.46Q2 2025: $1.30Q3 2025: $2.46Q4 2025: $2.06Q1 2026: $2.18Q2 2026: $2.96Q3 2026: $1.67Forward: $2.29
QuarterTTM EPSYoY
Forward$2.29+37%
Q3 2026$1.67-32%
Q2 2026$2.96+128%
Q1 2026$2.18+49%
Q4 2025$2.06+35%
Q3 2025$2.46+73%
Q2 2025$1.30-16%
Q1 2025$1.46-22%
Q4 2024$1.53-36%

MVBF has the edge over IREN on earnings quality, reporting a profit while its opponent remains loss making.

IREN Quarterly Revenue

Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
Q4 2023: $42MQ1 2024: $54MQ2 2024: $57MQ3 2024: $53MQ4 2024: $116MQ1 2025: $145MQ2 2025: $187MQ3 2025: $240MQ4 2025: $185MQ1 2026: $145MQ2 2026: $137MQ3 2026: $228M
QuarterRevenueYoY
Q3 2026$228M-5.1%
Q2 2026$137.2M-27%
Q1 2026$144.8M0%
Q4 2025$184.7M+59%
Q3 2025$240.3M+355%
Q2 2025$187.3M+230%
Q1 2025$144.8M+168%
Q4 2024$116.1M+176%

IREN has the edge over MVBF on sales, with more consistent year-over-year improvement.

MVBF Quarterly Revenue

Q4 2023: $36MQ1 2024: $38MQ2 2024: $35MQ3 2024: $33MQ4 2024: $46MQ1 2025: $34MQ2 2025: $34MQ3 2025: $61MQ4 2025: $39MQ1 2026: $37MQ2 2026: $51MQ3 2026: $40M
Q4 2023: $36MQ1 2024: $38MQ2 2024: $35MQ3 2024: $33MQ4 2024: $46MQ1 2025: $34MQ2 2025: $34MQ3 2025: $61MQ4 2025: $39MQ1 2026: $37MQ2 2026: $51MQ3 2026: $40M
QuarterRevenueYoY
Q3 2026$40.4M-34%
Q2 2026$51.1M+51%
Q1 2026$36.7M+8.8%
Q4 2025$39.1M-15%
Q3 2025$61.2M+84%
Q2 2025$33.7M-2.8%
Q1 2025$33.7M-11%
Q4 2024$46.2M+30%

MVBF's revenue has slid since its 2020 peak: $40M last quarter, down 34% from the same quarter a year ago.

IREN Free Cash Flow

Q4 2023: −$29MQ1 2024: −$222MQ2 2024: −$163MQ3 2024: −$387MQ4 2024: −$134MQ1 2025: −$351MQ2 2025: $16MQ3 2025: −$38MQ4 2025: −$468MQ1 2026: −$874MQ2 2026: $482MQ3 2026: −$1.6B
Q4 2023: −$29MQ1 2024: −$222MQ2 2024: −$163MQ3 2024: −$387MQ4 2024: −$134MQ1 2025: −$351MQ2 2025: $16MQ3 2025: −$38MQ4 2025: −$468MQ1 2026: −$874MQ2 2026: $482MQ3 2026: −$1.6B
QuarterFree cash flowYoY
Q3 2026-$1.6B-$1.6B
Q2 2026$482.2M+2895%
Q1 2026-$873.8M-$523.1M
Q4 2025-$468M-$334M
Q3 2025-$38M+$349.4M
Q2 2025$16.1M+$179M
Q1 2025-$350.7M-$128.7M
Q4 2024-$134M-$105.2M

IREN has the edge over MVBF on cash flow, with more consistent year-over-year improvement.

MVBF Free Cash Flow

Q4 2023: $18MQ1 2024: −$26MQ2 2024: $27MQ3 2024: $8MQ4 2024: −$11MQ1 2025: $14MQ2 2025: $7MQ3 2025: −$4MQ4 2025: −$15MQ1 2026: −$23MQ2 2026: $5MQ3 2026: −$1M
Q4 2023: $18MQ1 2024: −$26MQ2 2024: $27MQ3 2024: $8MQ4 2024: −$11MQ1 2025: $14MQ2 2025: $7MQ3 2025: −$4MQ4 2025: −$15MQ1 2026: −$23MQ2 2026: $5MQ3 2026: −$1M
QuarterFree cash flowYoY
Q3 2026-$1.4M+$2.2M
Q2 2026$4.9M-33%
Q1 2026-$23.4M-269%
Q4 2025-$15.5M-$4.8M
Q3 2025-$3.5M-142%
Q2 2025$7.2M-73%
Q1 2025$13.9M+$40M
Q4 2024-$10.7M-158%

MVBF's free cash flow was −$35M over the past year, against $7M the year before. Free cash flow isn't a meaningful measure for financial services companies like MVBF.

IREN Total Shares

Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
Q4 2023: 73MQ1 2024: 112MQ2 2024: 186MQ3 2024: 189MQ4 2024: 210MQ1 2025: 219MQ2 2025: 257MQ3 2025: 362MQ4 2025: 298MQ1 2026: 334MQ2 2026: 316MQ3 2026: 399M
PeriodChange %Net change
Quarterly+26%+82.4M shares
1 year+10%+36.9M shares
3 years+511%+333M shares
5 years+624%+344M shares
Available history+2346%+382M shares

IREN has 399M diluted shares, up 10% from a year ago.

MVBF Total Shares

Q4 2023: 13MQ1 2024: 13MQ2 2024: 13MQ3 2024: 13MQ4 2024: 13MQ1 2025: 13MQ2 2025: 13MQ3 2025: 13MQ4 2025: 13MQ1 2026: 13MQ2 2026: 13MQ3 2026: 13M
Q4 2023: 13MQ1 2024: 13MQ2 2024: 13MQ3 2024: 13MQ4 2024: 13MQ1 2025: 13MQ2 2025: 13MQ3 2025: 13MQ4 2025: 13MQ1 2026: 13MQ2 2026: 13MQ3 2026: 13M
PeriodChange %Net change
Quarterly+0.7%+96.3K shares
1 year+2.1%+272K shares
3 years+1.3%+166K shares
5 years+3.6%+459K shares
Available history+10%+1.2M shares

MVBF has the edge over IREN on shareholder dilution, with a more favorable share count trend.

IREN Net Leverage

Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
Q4 2023: -11.0xQ1 2024: -10.6xQ2 2024: -15.9xQ3 2024: -16.7xQ4 2024: -4.6xQ1 2025: 3.3xQ2 2025: 2.0xQ3 2025: 4.1xQ4 2025: 22.2xQ1 2026: 157.6x
QuarterNet LeverageStatus
Q1 2026157.6xHigh
Q4 202522.2xHigh
Q3 20254.1xHigh
Q2 20252.0xModerate
Q1 20253.3xElevated
Q4 2024-4.6xNet Cash
Q3 2024-16.7xNet Cash
Q2 2024-15.9xNet Cash

IREN's net debt is more than 20 years of its operating earnings (EBITDA), up from 3.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like IREN.

MVBF Net Leverage

Q4 2023: -9.8xQ1 2024: -16.1xQ2 2024: -12.6xQ3 2024: -19.4xQ4 2024: -8.1xQ1 2025: -6.1xQ2 2025: -12.4xQ3 2025: -4.9xQ4 2025: -4.3xQ1 2026: -3.0xQ2 2026: -4.8xQ3 2026: -5.1x
Q4 2023: -9.8xQ1 2024: -16.1xQ2 2024: -12.6xQ3 2024: -19.4xQ4 2024: -8.1xQ1 2025: -6.1xQ2 2025: -12.4xQ3 2025: -4.9xQ4 2025: -4.3xQ1 2026: -3.0xQ2 2026: -4.8xQ3 2026: -5.1x
QuarterNet LeverageStatus
Q3 2026-5.1xNet Cash
Q2 2026-4.8xNet Cash
Q1 2026-3.0xNet Cash
Q4 2025-4.3xNet Cash
Q3 2025-4.9xNet Cash
Q2 2025-12.4xNet Cash
Q1 2025-6.1xNet Cash
Q4 2024-8.1xNet Cash

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

IREN Weekly Momentum

MetricValueStatus
RSI33.3Neutral
Stochastic8.2Oversold

IREN's weekly RSI is 33 (neutral) and its Stochastic is 8 (oversold).

MVBF Weekly Momentum

MetricValueStatus
RSI37.9Neutral
Stochastic8.3Oversold

MVBF's weekly RSI is 38 (neutral) and its Stochastic is 8 (oversold).

IREN PE vs Financial Services Sector

MetricIRENSector medianRelative
PEN/A13x—

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

MVBF PE vs Financial Services Sector

MetricMVBFSector medianRelative
PE15x13x18% above
PE %886325 pts above

MVBF is trading at 15x earnings, a 18% premium to the Financial Services sector's median of 13x.

IREN Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$29.835% below
20 week MA$36.246% below
50 week MA$42.854% below
100 week MA$32.039% below
200 week MA$19.12.1% above

IREN has fallen below most of its moving averages, though it's still 2.1% above its 200-week average.

MVBF Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$28.29% below
20 week MA$29.413% below
50 week MA$27.87.6% below
100 week MA$24.64.4% above
200 week MA$22.912% above

MVBF has the edge over IREN on trend strength, trading above more of its moving averages.

IREN Yearly ROI

YearStart priceEnd priceROI
2021$24.8$17.2-31%
2022$17.2$1.19-93%
2023$1.19$7.15+501%
2024$7.15$10.7+50%
2025$10.7$40.3+276%
2026 YTD$40.3$19.5-52%

IREN's yearly returns have swung widely, from +501% in 2023 to −93% in 2022. It's down 52% so far in 2026.

MVBF Yearly ROI

YearStart priceEnd priceROI
2020$24.7$21.8-12%
2021$21.8$42.1+94%
2022$42.1$22.2-47%
2023$22.2$22.6+1.7%
2024$22.6$20.6-8.7%
2025$20.6$26.0+26%
2026 YTD$26.0$25.7-1.2%

MVBF has the edge over IREN on returns for 2026, with the stronger performance.

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