BFC
Price
$121.06
Change
+$0.19 (+0.16%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
1.19B
62 days until earnings call
Intraday BUY SELL Signals
CZFS
Price
$54.69
Change
-$0.27 (-0.49%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
264.16M
64 days until earnings call
Intraday BUY SELL Signals
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BFC vs CZFS

Header iconBFC vs CZFS Comparison
Open Charts BFC vs CZFSBanner chart's image
Bank First
Price$121.06
Change+$0.19 (+0.16%)
Volume$600
Capitalization1.19B
Citizens Financial Services
Price$54.69
Change-$0.27 (-0.49%)
Volume$418
Capitalization264.16M
BFC vs CZFS Comparison Chart in %
BFC
Daily Signal:
Gain/Loss:
CZFS
Daily Signal:
Gain/Loss:
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BFC vs. CZFS commentary
Nov 20, 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 Hold and CZFS is a Hold.

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COMPARISON
Comparison
Nov 20, 2025
Stock price -- (BFC: $120.72 vs. CZFS: $54.96)
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: 54% vs. CZFS: 102%
Market capitalization -- BFC: $1.19B vs. CZFS: $262.86M
BFC [@Regional Banks] is valued at $1.19B. CZFS’s [@Regional Banks] market capitalization is $262.86M. The market cap for tickers in the [@Regional Banks] industry ranges from $172.58B to $0. The average market capitalization across the [@Regional Banks] industry is $8.01B.

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

  • BFC’s TA Score: 2 bullish, 5 bearish.
  • CZFS’s TA Score: 4 bullish, 5 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 -3.97% price change this week, while CZFS (@Regional Banks) price change was -4.62% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.96%. For the same industry, the average monthly price growth was +1.62%, and the average quarterly price growth was +11.33%.

Reported Earning Dates

BFC is expected to report earnings on Jan 20, 2026.

CZFS is expected to report earnings on Jan 22, 2026.

Industries' Descriptions

@Regional Banks (-0.96% 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($1.19B) has a higher market cap than CZFS($264M). BFC has higher P/E ratio than CZFS: BFC (16.99) vs CZFS (7.58). BFC YTD gains are higher at: 27.077 vs. CZFS (-10.090). BFC has less debt than CZFS: BFC (122M) vs CZFS (313M). BFC has higher revenues than CZFS: BFC (162M) vs CZFS (105M).
BFCCZFSBFC / CZFS
Capitalization1.19B264M450%
EBITDAN/AN/A-
Gain YTD27.077-10.090-268%
P/E Ratio16.997.58224%
Revenue162M105M154%
Total Cash84.7MN/A-
Total Debt122M313M39%
FUNDAMENTALS RATINGS
BFC vs CZFS: Fundamental Ratings
BFC
CZFS
OUTLOOK RATING
1..100
1078
VALUATION
overvalued / fair valued / undervalued
1..100
76
Overvalued
17
Undervalued
PROFIT vs RISK RATING
1..100
2063
SMR RATING
1..100
3543
PRICE GROWTH RATING
1..100
5173
P/E GROWTH RATING
1..100
1686
SEASONALITY SCORE
1..100
5085

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 (17) in the null industry is somewhat better than the same rating for BFC (76) in the Regional Banks industry. This means that CZFS’s stock grew somewhat faster than BFC’s over the last 12 months.

BFC's Profit vs Risk Rating (20) in the Regional Banks industry is somewhat better than the same rating for CZFS (63) 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 (35) in the Regional Banks industry is in the same range as CZFS (43) 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 (51) in the Regional Banks industry is in the same range as CZFS (73) 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 (16) in the Regional Banks industry is significantly better than the same rating for CZFS (86) in the null industry. This means that BFC’s stock grew significantly faster than CZFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BFCCZFS
RSI
ODDS (%)
N/A
Bullish Trend 7 days ago
67%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
59%
Bullish Trend 2 days ago
59%
Momentum
ODDS (%)
Bearish Trend 2 days ago
38%
Bearish Trend 2 days ago
45%
MACD
ODDS (%)
Bearish Trend 2 days ago
42%
Bullish Trend 2 days ago
59%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
40%
Bearish Trend 2 days ago
54%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
37%
Bullish Trend 2 days ago
60%
Advances
ODDS (%)
Bullish Trend 9 days ago
49%
Bullish Trend 15 days ago
66%
Declines
ODDS (%)
Bearish Trend 2 days ago
38%
Bearish Trend 3 days ago
65%
BollingerBands
ODDS (%)
N/A
Bearish Trend 2 days ago
37%
Aroon
ODDS (%)
N/A
Bearish Trend 2 days ago
54%
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BFC
Daily Signal:
Gain/Loss:
CZFS
Daily Signal:
Gain/Loss:
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CZFS and

Correlation & Price change

A.I.dvisor indicates that over the last year, CZFS has been closely correlated with MCBS. These tickers have moved in lockstep 66% of the time. This A.I.-generated data suggests there is a high statistical probability that if CZFS jumps, then MCBS could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZFS
1D Price
Change %
CZFS100%
+2.18%
MCBS - CZFS
66%
Closely correlated
-1.32%
BFC - CZFS
66%
Loosely correlated
-0.19%
AX - CZFS
65%
Loosely correlated
+0.93%
BHRB - CZFS
65%
Loosely correlated
+1.18%
HBCP - CZFS
64%
Loosely correlated
+0.10%
More