BHRB
Price
$60.37
Change
+$0.14 (+0.23%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
905.17M
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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BHRB vs CZFS

Header iconBHRB vs CZFS Comparison
Open Charts BHRB vs CZFSBanner chart's image
Burke & Herbert Financial Services
Price$60.37
Change+$0.14 (+0.23%)
Volume$716
Capitalization905.17M
Citizens Financial Services
Price$54.69
Change-$0.27 (-0.49%)
Volume$418
Capitalization264.16M
BHRB vs CZFS Comparison Chart in %
BHRB
Daily Signal:
Gain/Loss:
CZFS
Daily Signal:
Gain/Loss:
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VS
BHRB 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 BHRB is a Hold and CZFS is a Hold.

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COMPARISON
Comparison
Nov 20, 2025
Stock price -- (BHRB: $60.23 vs. CZFS: $54.96)
Brand notoriety: BHRB and CZFS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: BHRB: 90% vs. CZFS: 102%
Market capitalization -- BHRB: $907.27M vs. CZFS: $262.86M
BHRB [@Regional Banks] is valued at $907.27M. 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).

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

  • BHRB’s FA Score: 2 green, 3 red.
  • CZFS’s FA Score: 1 green, 4 red.
According to our system of comparison, BHRB 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.

BHRB’s TA Score shows that 5 TA indicator(s) are bullish while CZFS’s TA Score has 4 bullish TA indicator(s).

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

Price Growth

BHRB (@Regional Banks) experienced а -2.75% 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

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
BHRB($905M) has a higher market cap than CZFS($264M). BHRB has higher P/E ratio than CZFS: BHRB (8.33) vs CZFS (7.58). BHRB YTD gains are higher at: 0.153 vs. CZFS (-10.090). CZFS has less debt than BHRB: CZFS (313M) vs BHRB (765M). BHRB has higher revenues than CZFS: BHRB (332M) vs CZFS (105M).
BHRBCZFSBHRB / CZFS
Capitalization905M264M343%
EBITDAN/AN/A-
Gain YTD0.153-10.090-2%
P/E Ratio8.337.58110%
Revenue332M105M316%
Total Cash65.2MN/A-
Total Debt765M313M244%
FUNDAMENTALS RATINGS
BHRB vs CZFS: Fundamental Ratings
BHRB
CZFS
OUTLOOK RATING
1..100
5878
VALUATION
overvalued / fair valued / undervalued
1..100
22
Undervalued
17
Undervalued
PROFIT vs RISK RATING
1..100
5663
SMR RATING
1..100
2043
PRICE GROWTH RATING
1..100
5573
P/E GROWTH RATING
1..100
9986
SEASONALITY SCORE
1..100
n/a85

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 in the same range as BHRB (22). This means that CZFS’s stock grew similarly to BHRB’s over the last 12 months.

BHRB's Profit vs Risk Rating (56) in the null industry is in the same range as CZFS (63). This means that BHRB’s stock grew similarly to CZFS’s over the last 12 months.

BHRB's SMR Rating (20) in the null industry is in the same range as CZFS (43). This means that BHRB’s stock grew similarly to CZFS’s over the last 12 months.

BHRB's Price Growth Rating (55) in the null industry is in the same range as CZFS (73). This means that BHRB’s stock grew similarly to CZFS’s over the last 12 months.

CZFS's P/E Growth Rating (86) in the null industry is in the same range as BHRB (99). This means that CZFS’s stock grew similarly to BHRB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BHRBCZFS
RSI
ODDS (%)
N/A
Bullish Trend 7 days ago
67%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
51%
Bullish Trend 2 days ago
59%
Momentum
ODDS (%)
Bullish Trend 2 days ago
56%
Bearish Trend 2 days ago
45%
MACD
ODDS (%)
Bullish Trend 2 days ago
64%
Bullish Trend 2 days ago
59%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
53%
Bearish Trend 2 days ago
54%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
57%
Bullish Trend 2 days ago
60%
Advances
ODDS (%)
Bullish Trend 9 days ago
62%
Bullish Trend 15 days ago
66%
Declines
ODDS (%)
Bearish Trend 3 days ago
66%
Bearish Trend 3 days ago
65%
BollingerBands
ODDS (%)
N/A
Bearish Trend 2 days ago
37%
Aroon
ODDS (%)
Bullish Trend 2 days ago
57%
Bearish Trend 2 days ago
54%
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BHRB
Daily Signal:
Gain/Loss:
CZFS
Daily Signal:
Gain/Loss:
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BHRB and

Correlation & Price change

A.I.dvisor indicates that over the last year, BHRB has been closely correlated with STBA. These tickers have moved in lockstep 84% of the time. This A.I.-generated data suggests there is a high statistical probability that if BHRB jumps, then STBA could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To BHRB
1D Price
Change %
BHRB100%
+1.18%
STBA - BHRB
84%
Closely correlated
+1.60%
SHBI - BHRB
83%
Closely correlated
+0.19%
TRMK - BHRB
83%
Closely correlated
+1.47%
FMBH - BHRB
83%
Closely correlated
-0.74%
CTBI - BHRB
83%
Closely correlated
+0.09%
More

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