BFC
Price
$115.40
Change
-$2.06 (-1.75%)
Updated
Aug 7, 04:59 PM (EDT)
Capitalization
839.24M
75 days until earnings call
CZFS
Price
$53.25
Change
+$0.83 (+1.58%)
Updated
Aug 7, 04:15 PM (EDT)
Capitalization
231.58M
81 days until earnings call
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BFC vs CZFS

Header iconBFC vs CZFS Comparison
Open Charts BFC vs CZFSBanner chart's image
Bank First
Price$115.40
Change-$2.06 (-1.75%)
Volume$942
Capitalization839.24M
Citizens Financial Services
Price$53.25
Change+$0.83 (+1.58%)
Volume$100
Capitalization231.58M
BFC vs CZFS Comparison Chart in %
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BFC
Daily Signalchanged days ago
Gain/Loss if bought
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CZFS
Daily Signalchanged days ago
Gain/Loss if bought
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BFC vs. CZFS commentary
Aug 08, 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 BFC is a Buy and CZFS is a Hold.

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COMPARISON
Comparison
Aug 08, 2025
Stock price -- (BFC: $117.46 vs. CZFS: $52.42)
Brand notoriety: BFC and CZFS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: BFC: 62% vs. CZFS: 142%
Market capitalization -- BFC: $839.24M vs. CZFS: $231.58M
BFC [@Regional Banks] is valued at $839.24M. 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 $6.06B.

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).

BFC’s FA Score shows that 2 FA rating(s) are green whileCZFS’s FA Score has 1 green FA rating(s).

  • BFC’s FA Score: 2 green, 3 red.
  • CZFS’s FA Score: 1 green, 4 red.
According to our system of comparison, BFC is a better buy in the long-term than CZFS.

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.

BFC’s TA Score shows that 3 TA indicator(s) are bullish while CZFS’s TA Score has 5 bullish TA indicator(s).

  • BFC’s TA Score: 3 bullish, 6 bearish.
  • CZFS’s TA Score: 5 bullish, 6 bearish.
According to our system of comparison, CZFS is a better buy in the short-term than BFC.

Price Growth

BFC (@Regional Banks) experienced а -1.80% price change this week, while CZFS (@Regional Banks) price change was -2.02% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.12%. For the same industry, the average monthly price growth was -0.10%, and the average quarterly price growth was +6.82%.

Reported Earning Dates

BFC is expected to report earnings on Oct 21, 2025.

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

Industries' Descriptions

@Regional Banks (+0.12% 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
BFC($839M) has a higher market cap than CZFS($232M). CZFS (11.92) and BFC (11.37) have similar P/E ratio . BFC YTD gains are higher at: 23.203 vs. CZFS (-14.915). BFC has less debt than CZFS: BFC (51.4M) vs CZFS (322M). BFC has higher revenues than CZFS: BFC (137M) vs CZFS (91.9M).
BFCCZFSBFC / CZFS
Capitalization839M232M362%
EBITDAN/AN/A-
Gain YTD23.203-14.915-156%
P/E Ratio11.3711.9295%
Revenue137M91.9M149%
Total Cash46.3MN/A-
Total Debt51.4M322M16%
FUNDAMENTALS RATINGS
BFC vs CZFS: Fundamental Ratings
BFC
CZFS
OUTLOOK RATING
1..100
6952
VALUATION
overvalued / fair valued / undervalued
1..100
92
Overvalued
22
Undervalued
PROFIT vs RISK RATING
1..100
1969
SMR RATING
1..100
3647
PRICE GROWTH RATING
1..100
4862
P/E GROWTH RATING
1..100
1441
SEASONALITY SCORE
1..100
5019

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 (22) in the null industry is significantly better than the same rating for BFC (92) in the Regional Banks industry. This means that CZFS’s stock grew significantly faster than BFC’s over the last 12 months.

BFC's Profit vs Risk Rating (19) in the Regional Banks industry is somewhat better than the same rating for CZFS (69) in the null industry. This means that BFC’s stock grew somewhat faster than CZFS’s over the last 12 months.

BFC's SMR Rating (36) in the Regional Banks industry is in the same range as CZFS (47) in the null industry. This means that BFC’s stock grew similarly to CZFS’s over the last 12 months.

BFC's Price Growth Rating (48) in the Regional Banks industry is in the same range as CZFS (62) in the null industry. This means that BFC’s stock grew similarly to CZFS’s over the last 12 months.

BFC's P/E Growth Rating (14) in the Regional Banks industry is in the same range as CZFS (41) in the null industry. This means that BFC’s stock grew similarly to CZFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BFCCZFS
RSI
ODDS (%)
Bearish Trend 2 days ago
46%
Bullish Trend 2 days ago
67%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
72%
Bullish Trend 2 days ago
62%
Momentum
ODDS (%)
Bearish Trend 2 days ago
44%
Bearish Trend 2 days ago
47%
MACD
ODDS (%)
Bearish Trend 2 days ago
47%
Bearish Trend 2 days ago
57%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
40%
Bearish Trend 2 days ago
52%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
38%
Bearish Trend 2 days ago
53%
Advances
ODDS (%)
Bullish Trend 3 days ago
50%
Bullish Trend 17 days ago
66%
Declines
ODDS (%)
Bearish Trend 7 days ago
38%
Bearish Trend 2 days ago
65%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
46%
Bullish Trend 2 days ago
63%
Aroon
ODDS (%)
Bullish Trend 2 days ago
49%
Bullish Trend 2 days ago
61%
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BFC
Daily Signalchanged days ago
Gain/Loss if bought
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CZFS
Daily Signalchanged days ago
Gain/Loss if bought
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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%
-1.87%
BFC - CZFS
72%
Closely correlated
-0.52%
AROW - CZFS
71%
Closely correlated
-1.19%
PFIS - CZFS
71%
Closely correlated
-0.08%
MCBS - CZFS
71%
Closely correlated
-1.05%
CTBI - CZFS
69%
Closely correlated
-1.27%
More