AROW
Price
$27.26
Change
+$0.28 (+1.04%)
Updated
Jul 17 closing price
Capitalization
404.72M
11 days until earnings call
CZFS
Price
$59.85
Change
-$1.19 (-1.95%)
Updated
Jul 17 closing price
Capitalization
231.58M
17 days until earnings call
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AROW vs CZFS

Header iconAROW vs CZFS Comparison
Open Charts AROW vs CZFSBanner chart's image
Arrow Financial
Price$27.26
Change+$0.28 (+1.04%)
Volume$41.53K
Capitalization404.72M
Citizens Financial Services
Price$59.85
Change-$1.19 (-1.95%)
Volume$6.8K
Capitalization231.58M
AROW vs CZFS Comparison Chart in %
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AROW
Daily Signalchanged days ago
Gain/Loss if bought
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CZFS
Daily Signalchanged days ago
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AROW vs. CZFS commentary
Jul 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 AROW is a Hold and CZFS is a Hold.

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COMPARISON
Comparison
Jul 18, 2025
Stock price -- (AROW: $27.26 vs. CZFS: $59.85)
Brand notoriety: AROW and CZFS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: AROW: 96% vs. CZFS: 73%
Market capitalization -- AROW: $404.72M vs. CZFS: $231.58M
AROW [@Regional Banks] is valued at $404.72M. CZFS’s [@Regional Banks] market capitalization is $231.58M. The market cap for tickers in the [@Regional Banks] industry ranges from $133.96B to $0. The average market capitalization across the [@Regional Banks] industry is $6.04B.

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).

AROW’s FA Score shows that 1 FA rating(s) are green whileCZFS’s FA Score has 0 green FA rating(s).

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

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.

AROW’s TA Score shows that 2 TA indicator(s) are bullish while CZFS’s TA Score has 4 bullish TA indicator(s).

  • AROW’s TA Score: 2 bullish, 5 bearish.
  • CZFS’s TA Score: 4 bullish, 6 bearish.
According to our system of comparison, CZFS is a better buy in the short-term than AROW.

Price Growth

AROW (@Regional Banks) experienced а -1.21% price change this week, while CZFS (@Regional Banks) price change was -6.00% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.22%. For the same industry, the average monthly price growth was +5.70%, and the average quarterly price growth was +10.50%.

Reported Earning Dates

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

CZFS is expected to report earnings on Oct 27, 2025.

Industries' Descriptions

@Regional Banks (-0.22% 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
AROW($405M) has a higher market cap than CZFS($232M). AROW has higher P/E ratio than CZFS: AROW (13.81) vs CZFS (11.92). CZFS YTD gains are higher at: -2.855 vs. AROW (-3.035). AROW has less debt than CZFS: AROW (51.6M) vs CZFS (322M). AROW has higher revenues than CZFS: AROW (134M) vs CZFS (91.9M).
AROWCZFSAROW / CZFS
Capitalization405M232M175%
EBITDAN/AN/A-
Gain YTD-3.035-2.855106%
P/E Ratio13.8111.92116%
Revenue134M91.9M146%
Total Cash39.8MN/A-
Total Debt51.6M322M16%
FUNDAMENTALS RATINGS
AROW vs CZFS: Fundamental Ratings
AROW
CZFS
OUTLOOK RATING
1..100
1912
VALUATION
overvalued / fair valued / undervalued
1..100
59
Fair valued
36
Fair valued
PROFIT vs RISK RATING
1..100
6762
SMR RATING
1..100
3236
PRICE GROWTH RATING
1..100
5048
P/E GROWTH RATING
1..100
6183
SEASONALITY SCORE
1..100
21n/a

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.

CZFS's Valuation (36) in the null industry is in the same range as AROW (59) in the Regional Banks industry. This means that CZFS’s stock grew similarly to AROW’s over the last 12 months.

CZFS's Profit vs Risk Rating (62) in the null industry is in the same range as AROW (67) in the Regional Banks industry. This means that CZFS’s stock grew similarly to AROW’s over the last 12 months.

AROW's SMR Rating (32) in the Regional Banks industry is in the same range as CZFS (36) in the null industry. This means that AROW’s stock grew similarly to CZFS’s over the last 12 months.

CZFS's Price Growth Rating (48) in the null industry is in the same range as AROW (50) in the Regional Banks industry. This means that CZFS’s stock grew similarly to AROW’s over the last 12 months.

AROW's P/E Growth Rating (61) in the Regional Banks industry is in the same range as CZFS (83) in the null industry. This means that AROW’s stock grew similarly to CZFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
AROWCZFS
RSI
ODDS (%)
Bearish Trend 1 day ago
52%
Bearish Trend 1 day ago
43%
Stochastic
ODDS (%)
Bearish Trend 1 day ago
59%
Bullish Trend 1 day ago
52%
Momentum
ODDS (%)
Bearish Trend 1 day ago
64%
Bearish Trend 1 day ago
44%
MACD
ODDS (%)
Bearish Trend 1 day ago
63%
Bearish Trend 1 day ago
48%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
59%
Bearish Trend 1 day ago
52%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
62%
Bullish Trend 1 day ago
62%
Advances
ODDS (%)
Bullish Trend 1 day ago
58%
Bullish Trend 10 days ago
65%
Declines
ODDS (%)
N/A
Bearish Trend 8 days ago
65%
BollingerBands
ODDS (%)
N/A
Bearish Trend 1 day ago
45%
Aroon
ODDS (%)
Bearish Trend 1 day ago
67%
Bearish Trend 1 day ago
53%
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AROW
Daily Signalchanged days ago
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CZFS
Daily Signalchanged days ago
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CZFS and

Correlation & Price change

A.I.dvisor indicates that over the last year, CZFS has been closely correlated with BFC. These tickers have moved in lockstep 72% of the time. This A.I.-generated data suggests there is a high statistical probability that if CZFS jumps, then BFC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZFS
1D Price
Change %
CZFS100%
-1.95%
BFC - CZFS
72%
Closely correlated
+3.76%
PFIS - CZFS
71%
Closely correlated
+0.21%
AROW - CZFS
71%
Closely correlated
+1.04%
MCBS - CZFS
71%
Closely correlated
+1.28%
UVSP - CZFS
70%
Closely correlated
+1.37%
More