IREN

IREN Limited

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

SFST

Southern First Bancshares, Inc.

63
Fundamentals74/ 100
Valuation50/ 100
Upside potential55/ 100
Risk potential14/ 100

SFST's fundamentals are strong: revenue grew 25% and its operating margin rose 10 points to 40%. Its PE isn't a useful guide right now because of how its recent earnings were reported.

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.

SFST Fundamentals

MetricStatus
Healthy
Strong
N/A
N/A

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

IREN PE Valuation

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

SFST PE Valuation

CHEAPFAIREXPENSIVE6.7x13x20x27x
CHEAPFAIREXPENSIVE6.7x13x20x27x
LevelPEPriceVs current
Cheap8.9x$43.19-29%
Forward11x$60.71—
Current12x$60.71—
Fair14x$65.66+8.2%
Expensive18x$86.62+43%

Historical ranges are pointers, not guarantees.

SFST's PE is 12x, but its earnings don't support one, so it isn't a reliable read right now.

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.

SFST Forward outlook

MetricOutlook
Improving
Growth
Growth
Improving
Limited
Moderate

SFST 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 SFST's risk to reward.

SFST Risk to reward

ScenarioChangePrice
Upside+17%$70.77
Downside-14%$52.37

Calculated from the latest close: $60.71 on Nov 12.

There is not enough scenario data to compare IREN and SFST'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.

SFST Earnings Per Share

Q4 2023: $1.66Q1 2024: $1.64Q2 2024: $1.70Q3 2024: $1.73Q4 2024: $1.91Q1 2025: $2.25Q2 2025: $2.69Q3 2025: $3.22Q4 2025: $3.72Q1 2026: $4.26Q2 2026: $4.65Q3 2026: $4.86Forward: $5.73
Q4 2023: $1.66Q1 2024: $1.64Q2 2024: $1.70Q3 2024: $1.73Q4 2024: $1.91Q1 2025: $2.25Q2 2025: $2.69Q3 2025: $3.22Q4 2025: $3.72Q1 2026: $4.26Q2 2026: $4.65Q3 2026: $4.86Forward: $5.73
QuarterTTM EPSYoY
Forward$5.73+18%
Q3 2026$4.86+51%
Q2 2026$4.65+73%
Q1 2026$4.26+89%
Q4 2025$3.72+95%
Q3 2025$3.22+86%
Q2 2025$2.69+58%
Q1 2025$2.25+37%
Q4 2024$1.91+15%

SFST 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's revenue has held roughly level: $228M last quarter, down 5.1% from the same quarter a year ago.

SFST Quarterly Revenue

Q4 2023: $21MQ1 2024: $21MQ2 2024: $23MQ3 2024: $24MQ4 2024: $25MQ1 2025: $26MQ2 2025: $29MQ3 2025: $31MQ4 2025: $32MQ1 2026: $34MQ2 2026: $36MQ3 2026: $38M
Q4 2023: $21MQ1 2024: $21MQ2 2024: $23MQ3 2024: $24MQ4 2024: $25MQ1 2025: $26MQ2 2025: $29MQ3 2025: $31MQ4 2025: $32MQ1 2026: $34MQ2 2026: $36MQ3 2026: $38M
QuarterRevenueYoY
Q3 2026$37.5M+21%
Q2 2026$35.9M+25%
Q1 2026$33.8M+28%
Q4 2025$31.8M+26%
Q3 2025$31.1M+31%
Q2 2025$28.6M+24%
Q1 2025$26.5M+24%
Q4 2024$25.2M+18%

SFST's revenue has grown year over year for 10 quarters in a row: $38M last quarter, up 21% 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's free cash flow was −$2.5B over the past year, against −$507M the year before. Free cash flow isn't a meaningful measure for financial services companies like IREN.

SFST Free Cash Flow

Q4 2023: $7MQ1 2024: −$3MQ2 2024: $4MQ3 2024: $26MQ4 2024: −$2MQ1 2025: $7MQ2 2025: $10MQ3 2025: $14MQ4 2025: −$2MQ1 2026: $10MQ2 2026: $17MQ3 2026: $20M
Q4 2023: $7MQ1 2024: −$3MQ2 2024: $4MQ3 2024: $26MQ4 2024: −$2MQ1 2025: $7MQ2 2025: $10MQ3 2025: $14MQ4 2025: −$2MQ1 2026: $10MQ2 2026: $17MQ3 2026: $20M
QuarterFree cash flowYoY
Q3 2026$20.4M+42%
Q2 2026$16.7M+61%
Q1 2026$10.5M+41%
Q4 2025-$2.4M-$333K
Q3 2025$14.4M-45%
Q2 2025$10.4M+169%
Q1 2025$7.4M+$10.6M
Q4 2024-$2M-130%

SFST has the edge over IREN on cash generation, producing positive trailing cash flow while its opponent burns cash.

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 the edge over SFST on shareholder dilution, with a more favorable share count trend.

SFST Total Shares

Q4 2023: 8MQ1 2024: 8MQ2 2024: 8MQ3 2024: 8MQ4 2024: 8MQ1 2025: 8MQ2 2025: 8MQ3 2025: 8MQ4 2025: 8MQ1 2026: 8MQ2 2026: 9MQ3 2026: 10M
Q4 2023: 8MQ1 2024: 8MQ2 2024: 8MQ3 2024: 8MQ4 2024: 8MQ1 2025: 8MQ2 2025: 8MQ3 2025: 8MQ4 2025: 8MQ1 2026: 8MQ2 2026: 9MQ3 2026: 10M
PeriodChange %Net change
Quarterly+2.7%+249K shares
1 year+18%+1.5M shares
3 years+19%+1.5M shares
5 years+20%+1.6M shares
Available history+23%+1.8M shares

SFST has 10M diluted shares, up 18% from a year ago.

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.

SFST Net Leverage

Q4 2023: 11.1xQ1 2024: -0.6xQ2 2024: -1.0xQ3 2024: -1.1xQ4 2024: 8.8xQ1 2025: -0.9xQ2 2025: -0.8xQ3 2025: -0.6xQ4 2025: 4.8xQ1 2026: -0.7xQ2 2026: -0.6xQ3 2026: -0.4x
Q4 2023: 11.1xQ1 2024: -0.6xQ2 2024: -1.0xQ3 2024: -1.1xQ4 2024: 8.8xQ1 2025: -0.9xQ2 2025: -0.8xQ3 2025: -0.6xQ4 2025: 4.8xQ1 2026: -0.7xQ2 2026: -0.6xQ3 2026: -0.4x
QuarterNet LeverageStatus
Q3 2026-0.4xNet Cash
Q2 2026-0.6xNet Cash
Q1 2026-0.7xNet Cash
Q4 20254.8xHigh
Q3 2025-0.6xNet Cash
Q2 2025-0.8xNet Cash
Q1 2025-0.9xNet Cash
Q4 20248.8xHigh

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

IREN Weekly Momentum

MetricValueStatus
RSI33.3Neutral
Stochastic8.2Oversold

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

SFST Weekly Momentum

MetricValueStatus
RSI52.8Neutral
Stochastic23.9Neutral

SFST's weekly RSI is 53 (neutral) and its Stochastic is 24 (neutral).

IREN PE vs Financial Services Sector

MetricIRENSector medianRelative
PEN/A13x—

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

SFST PE vs Financial Services Sector

MetricSFSTSector medianRelative
PE12x13x4.1% below
PE %426321 pts below

SFST is trading at 12x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.

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.

SFST Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$60.20.8% above
20 week MA$61.61.4% below
50 week MA$58.14.4% above
100 week MA$48.625% above
200 week MA$40.251% above

SFST 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.

SFST Yearly ROI

YearStart priceEnd priceROI
2020$42.8$35.3-18%
2021$35.3$62.7+78%
2022$62.7$45.9-27%
2023$45.9$37.1-19%
2024$37.1$39.7+6.9%
2025$39.7$52.8+33%
2026 YTD$52.8$60.7+15%

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

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