BY
Price
$27.63
Change
+$0.27 (+0.99%)
Updated
Oct 3 closing price
Capitalization
1.25B
19 days until earnings call
CZFS
Price
$57.06
Change
+$0.01 (+0.02%)
Updated
Oct 3 closing price
Capitalization
274.26M
23 days until earnings call
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BY vs CZFS

Header iconBY vs CZFS Comparison
Open Charts BY vs CZFSBanner chart's image
Byline Ban
Price$27.63
Change+$0.27 (+0.99%)
Volume$146.24K
Capitalization1.25B
Citizens Financial Services
Price$57.06
Change+$0.01 (+0.02%)
Volume$7.39K
Capitalization274.26M
BY vs CZFS Comparison Chart in %
BY
Daily Signalchanged days ago
Gain/Loss if bought
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CZFS
Daily Signalchanged days ago
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BY vs. CZFS commentary
Oct 05, 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 BY is a Hold and CZFS is a Buy.

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COMPARISON
Comparison
Oct 05, 2025
Stock price -- (BY: $27.63 vs. CZFS: $57.06)
Brand notoriety: BY and CZFS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: BY: 68% vs. CZFS: 77%
Market capitalization -- BY: $1.25B vs. CZFS: $274.26M
BY [@Regional Banks] is valued at $1.25B. CZFS’s [@Regional Banks] market capitalization is $274.26M. The market cap for tickers in the [@Regional Banks] industry ranges from $166.92B to $0. The average market capitalization across the [@Regional Banks] industry is $7.89B.

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).

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

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

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

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

Price Growth

BY (@Regional Banks) experienced а -2.54% price change this week, while CZFS (@Regional Banks) price change was -7.20% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.44%. For the same industry, the average monthly price growth was +0.68%, and the average quarterly price growth was +19.54%.

Reported Earning Dates

BY is expected to report earnings on Oct 23, 2025.

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

Industries' Descriptions

@Regional Banks (-0.44% 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
BY($1.26B) has a higher market cap than CZFS($274M). BY has higher P/E ratio than CZFS: BY (10.21) vs CZFS (8.67). BY YTD gains are higher at: -3.650 vs. CZFS (-6.655). CZFS has less debt than BY: CZFS (313M) vs BY (525M). BY has higher revenues than CZFS: BY (416M) vs CZFS (105M).
BYCZFSBY / CZFS
Capitalization1.26B274M458%
EBITDAN/AN/A-
Gain YTD-3.650-6.65555%
P/E Ratio10.218.67118%
Revenue416M105M396%
Total Cash73.5MN/A-
Total Debt525M313M168%
FUNDAMENTALS RATINGS
BY vs CZFS: Fundamental Ratings
BY
CZFS
OUTLOOK RATING
1..100
5569
VALUATION
overvalued / fair valued / undervalued
1..100
44
Fair valued
22
Undervalued
PROFIT vs RISK RATING
1..100
3262
SMR RATING
1..100
1944
PRICE GROWTH RATING
1..100
5760
P/E GROWTH RATING
1..100
4264
SEASONALITY SCORE
1..100
n/a75

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 in the same range as BY (44) in the Regional Banks industry. This means that CZFS’s stock grew similarly to BY’s over the last 12 months.

BY's Profit vs Risk Rating (32) in the Regional Banks industry is in the same range as CZFS (62) in the null industry. This means that BY’s stock grew similarly to CZFS’s over the last 12 months.

BY's SMR Rating (19) in the Regional Banks industry is in the same range as CZFS (44) in the null industry. This means that BY’s stock grew similarly to CZFS’s over the last 12 months.

BY's Price Growth Rating (57) in the Regional Banks industry is in the same range as CZFS (60) in the null industry. This means that BY’s stock grew similarly to CZFS’s over the last 12 months.

BY's P/E Growth Rating (42) in the Regional Banks industry is in the same range as CZFS (64) in the null industry. This means that BY’s stock grew similarly to CZFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BYCZFS
RSI
ODDS (%)
Bearish Trend 5 days ago
61%
Bearish Trend 2 days ago
38%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
72%
Bullish Trend 2 days ago
58%
Momentum
ODDS (%)
Bearish Trend 2 days ago
52%
Bearish Trend 2 days ago
43%
MACD
ODDS (%)
Bearish Trend 2 days ago
53%
Bearish Trend 2 days ago
43%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
59%
Bearish Trend 2 days ago
52%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
56%
Bearish Trend 2 days ago
55%
Advances
ODDS (%)
Bullish Trend 17 days ago
61%
Bullish Trend 9 days ago
67%
Declines
ODDS (%)
Bearish Trend 3 days ago
59%
Bearish Trend 5 days ago
65%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
72%
Bullish Trend 2 days ago
65%
Aroon
ODDS (%)
Bullish Trend 2 days ago
60%
Bullish Trend 2 days ago
57%
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BY
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 MCBS. These tickers have moved in lockstep 73% 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%
+0.02%
MCBS - CZFS
73%
Closely correlated
+0.73%
BFC - CZFS
71%
Closely correlated
+3.19%
PFIS - CZFS
71%
Closely correlated
+0.61%
BY - CZFS
70%
Closely correlated
+0.99%
SMBC - CZFS
70%
Closely correlated
-0.12%
More