CTBI
Price
$53.00
Change
-$0.68 (-1.27%)
Updated
Aug 6 closing price
Capitalization
768.59M
69 days until earnings call
CZFS
Price
$53.00
Change
+$0.58 (+1.11%)
Updated
Aug 7, 10:30 AM (EDT)
Capitalization
231.58M
81 days until earnings call
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CTBI vs CZFS

Header iconCTBI vs CZFS Comparison
Open Charts CTBI vs CZFSBanner chart's image
Community Trust Ban
Price$53.00
Change-$0.68 (-1.27%)
Volume$53.97K
Capitalization768.59M
Citizens Financial Services
Price$53.00
Change+$0.58 (+1.11%)
VolumeN/A
Capitalization231.58M
CTBI vs CZFS Comparison Chart in %
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CTBI
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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CTBI vs. CZFS commentary
Aug 07, 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 CTBI is a Hold and CZFS is a Hold.

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COMPARISON
Comparison
Aug 07, 2025
Stock price -- (CTBI: $53.00 vs. CZFS: $52.42)
Brand notoriety: CTBI and CZFS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CTBI: 89% vs. CZFS: 142%
Market capitalization -- CTBI: $768.59M vs. CZFS: $231.58M
CTBI [@Regional Banks] is valued at $768.59M. 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).

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

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

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.

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

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

Price Growth

CTBI (@Regional Banks) experienced а -2.95% 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 +0.52%. For the same industry, the average monthly price growth was +0.28%, and the average quarterly price growth was +7.20%.

Reported Earning Dates

CTBI is expected to report earnings on Oct 15, 2025.

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

Industries' Descriptions

@Regional Banks (+0.52% 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
CTBI($769M) has a higher market cap than CZFS($232M). CZFS has higher P/E ratio than CTBI: CZFS (11.92) vs CTBI (9.56). CTBI YTD gains are higher at: 1.793 vs. CZFS (-14.915). CTBI has less debt than CZFS: CTBI (81M) vs CZFS (322M). CTBI has higher revenues than CZFS: CTBI (231M) vs CZFS (91.9M).
CTBICZFSCTBI / CZFS
Capitalization769M232M331%
EBITDAN/AN/A-
Gain YTD1.793-14.915-12%
P/E Ratio9.5611.9280%
Revenue231M91.9M251%
Total Cash58.8MN/A-
Total Debt81M322M25%
FUNDAMENTALS RATINGS
CTBI vs CZFS: Fundamental Ratings
CTBI
CZFS
OUTLOOK RATING
1..100
6552
VALUATION
overvalued / fair valued / undervalued
1..100
64
Fair valued
22
Undervalued
PROFIT vs RISK RATING
1..100
2069
SMR RATING
1..100
2847
PRICE GROWTH RATING
1..100
5462
P/E GROWTH RATING
1..100
5441
SEASONALITY SCORE
1..100
6519

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 somewhat better than the same rating for CTBI (64) in the Regional Banks industry. This means that CZFS’s stock grew somewhat faster than CTBI’s over the last 12 months.

CTBI's Profit vs Risk Rating (20) in the Regional Banks industry is somewhat better than the same rating for CZFS (69) in the null industry. This means that CTBI’s stock grew somewhat faster than CZFS’s over the last 12 months.

CTBI's SMR Rating (28) in the Regional Banks industry is in the same range as CZFS (47) in the null industry. This means that CTBI’s stock grew similarly to CZFS’s over the last 12 months.

CTBI's Price Growth Rating (54) in the Regional Banks industry is in the same range as CZFS (62) in the null industry. This means that CTBI’s stock grew similarly to CZFS’s over the last 12 months.

CZFS's P/E Growth Rating (41) in the null industry is in the same range as CTBI (54) in the Regional Banks industry. This means that CZFS’s stock grew similarly to CTBI’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CTBICZFS
RSI
ODDS (%)
Bearish Trend 1 day ago
67%
Bullish Trend 1 day ago
67%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
69%
Bullish Trend 1 day ago
62%
Momentum
ODDS (%)
Bearish Trend 1 day ago
53%
Bearish Trend 1 day ago
47%
MACD
ODDS (%)
Bearish Trend 1 day ago
46%
Bearish Trend 1 day ago
57%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
50%
Bearish Trend 1 day ago
52%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
48%
Bearish Trend 1 day ago
53%
Advances
ODDS (%)
Bullish Trend 21 days ago
52%
Bullish Trend 17 days ago
66%
Declines
ODDS (%)
Bearish Trend 1 day ago
49%
Bearish Trend 1 day ago
65%
BollingerBands
ODDS (%)
Bullish Trend 1 day ago
56%
Bullish Trend 1 day ago
63%
Aroon
ODDS (%)
Bullish Trend 1 day ago
51%
Bullish Trend 1 day ago
61%
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CTBI
Daily Signalchanged days ago
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CZFS
Daily Signalchanged days ago
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CTBI and

Correlation & Price change

A.I.dvisor indicates that over the last year, CTBI has been closely correlated with NWBI. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if CTBI jumps, then NWBI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CTBI
1D Price
Change %
CTBI100%
-1.27%
NWBI - CTBI
90%
Closely correlated
-0.60%
UVSP - CTBI
89%
Closely correlated
-0.04%
IBOC - CTBI
89%
Closely correlated
-0.17%
IBCP - CTBI
89%
Closely correlated
-0.43%
FBK - CTBI
88%
Closely correlated
-1.63%
More

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