AFBI
Price
$19.74
Change
-$0.08 (-0.40%)
Updated
Sep 17, 04:54 PM (EDT)
Capitalization
124.72M
CIZN
Price
$6.66
Change
-$0.01 (-0.15%)
Updated
Sep 16 closing price
Capitalization
37.2M
41 days until earnings call
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AFBI vs CIZN

Header iconAFBI vs CIZN Comparison
Open Charts AFBI vs CIZNBanner chart's image
Affinity Bancshares
Price$19.74
Change-$0.08 (-0.40%)
Volume$200
Capitalization124.72M
Citizens Holding
Price$6.66
Change-$0.01 (-0.15%)
Volume$71.81K
Capitalization37.2M
AFBI vs CIZN Comparison Chart in %
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AFBI
Daily Signalchanged days ago
Gain/Loss if bought
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CIZN
Daily Signalchanged days ago
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AFBI vs. CIZN commentary
Sep 18, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is AFBI is a Hold and CIZN is a StrongBuy.

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COMPARISON
Comparison
Sep 18, 2025
Stock price -- (AFBI: $19.82 vs. CIZN: $6.66)
Brand notoriety: AFBI and CIZN are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: AFBI: 62% vs. CIZN: 694%
Market capitalization -- AFBI: $123.27M vs. CIZN: $37.71M
AFBI [@Regional Banks] is valued at $123.27M. CIZN’s [@Regional Banks] market capitalization is $37.71M. The market cap for tickers in the [@Regional Banks] industry ranges from $168.16B to $0. The average market capitalization across the [@Regional Banks] industry is $7.98B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

AFBI’s FA Score shows that 1 FA rating(s) are green whileCIZN’s FA Score has 0 green FA rating(s).

  • AFBI’s FA Score: 1 green, 4 red.
  • CIZN’s FA Score: 0 green, 5 red.
According to our system of comparison, AFBI is a better buy in the long-term than CIZN.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

AFBI’s TA Score shows that 3 TA indicator(s) are bullish while CIZN’s TA Score has 4 bullish TA indicator(s).

  • AFBI’s TA Score: 3 bullish, 5 bearish.
  • CIZN’s TA Score: 4 bullish, 4 bearish.
According to our system of comparison, CIZN is a better buy in the short-term than AFBI.

Price Growth

AFBI (@Regional Banks) experienced а +0.87% price change this week, while CIZN (@Regional Banks) price change was -0.45% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.33%. For the same industry, the average monthly price growth was +2.97%, and the average quarterly price growth was +13.45%.

Reported Earning Dates

CIZN is expected to report earnings on Oct 28, 2025.

Industries' Descriptions

@Regional Banks (+0.33% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
AFBI($125M) has a higher market cap than CIZN($37.2M). CIZN has higher P/E ratio than AFBI: CIZN (19.94) vs AFBI (18.28). AFBI YTD gains are higher at: 22.001 vs. CIZN (-27.035). CIZN has more cash in the bank: 14.6M vs. AFBI (5.32M). CIZN has less debt than AFBI: CIZN (18M) vs AFBI (54M). CIZN has higher revenues than AFBI: CIZN (37.7M) vs AFBI (31.7M).
AFBICIZNAFBI / CIZN
Capitalization125M37.2M336%
EBITDAN/AN/A-
Gain YTD22.001-27.035-81%
P/E Ratio18.2819.9492%
Revenue31.7M37.7M84%
Total Cash5.32M14.6M36%
Total Debt54M18M300%
FUNDAMENTALS RATINGS
AFBI vs CIZN: Fundamental Ratings
AFBI
CIZN
OUTLOOK RATING
1..100
2582
VALUATION
overvalued / fair valued / undervalued
1..100
90
Overvalued
59
Fair valued
PROFIT vs RISK RATING
1..100
11100
SMR RATING
1..100
7477
PRICE GROWTH RATING
1..100
5387
P/E GROWTH RATING
1..100
8382
SEASONALITY SCORE
1..100
n/a8

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

CIZN's Valuation (59) in the Savings Banks industry is in the same range as AFBI (90) in the null industry. This means that CIZN’s stock grew similarly to AFBI’s over the last 12 months.

AFBI's Profit vs Risk Rating (11) in the null industry is significantly better than the same rating for CIZN (100) in the Savings Banks industry. This means that AFBI’s stock grew significantly faster than CIZN’s over the last 12 months.

AFBI's SMR Rating (74) in the null industry is in the same range as CIZN (77) in the Savings Banks industry. This means that AFBI’s stock grew similarly to CIZN’s over the last 12 months.

AFBI's Price Growth Rating (53) in the null industry is somewhat better than the same rating for CIZN (87) in the Savings Banks industry. This means that AFBI’s stock grew somewhat faster than CIZN’s over the last 12 months.

CIZN's P/E Growth Rating (82) in the Savings Banks industry is in the same range as AFBI (83) in the null industry. This means that CIZN’s stock grew similarly to AFBI’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
AFBICIZN
RSI
ODDS (%)
Bearish Trend 2 days ago
26%
Bullish Trend 2 days ago
52%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
24%
Bullish Trend 2 days ago
50%
Momentum
ODDS (%)
Bullish Trend 2 days ago
49%
Bearish Trend 2 days ago
41%
MACD
ODDS (%)
Bullish Trend 2 days ago
45%
Bearish Trend 2 days ago
53%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
53%
Bearish Trend 2 days ago
46%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
55%
Bearish Trend 2 days ago
45%
Advances
ODDS (%)
Bullish Trend 2 days ago
55%
Bullish Trend 3 days ago
40%
Declines
ODDS (%)
Bearish Trend 14 days ago
30%
Bearish Trend 8 days ago
49%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
40%
Bullish Trend 2 days ago
50%
Aroon
ODDS (%)
Bearish Trend 2 days ago
35%
Bearish Trend 2 days ago
44%
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AFBI
Daily Signalchanged days ago
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CIZN
Daily Signalchanged days ago
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AFBI and

Correlation & Price change

A.I.dvisor indicates that over the last year, AFBI has been loosely correlated with EBSH. These tickers have moved in lockstep 44% of the time. This A.I.-generated data suggests there is some statistical probability that if AFBI jumps, then EBSH could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To AFBI
1D Price
Change %
AFBI100%
-0.40%
EBSH - AFBI
44%
Loosely correlated
N/A
FITBI - AFBI
42%
Loosely correlated
-0.16%
FHN - AFBI
38%
Loosely correlated
+1.75%
CMRB - AFBI
38%
Loosely correlated
N/A
SUGBY - AFBI
38%
Loosely correlated
N/A
More

CIZN and

Correlation & Price change

A.I.dvisor tells us that CIZN and AFBI have been poorly correlated (+29% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that CIZN and AFBI's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CIZN
1D Price
Change %
CIZN100%
-1.20%
AFBI - CIZN
29%
Poorly correlated
-0.40%
CFSB - CIZN
29%
Poorly correlated
-1.20%
FITBI - CIZN
27%
Poorly correlated
-0.16%
HBANM - CIZN
24%
Poorly correlated
+0.59%
WSBCP - CIZN
23%
Poorly correlated
+0.08%
More