CZFS
Price
$56.70
Change
-$2.16 (-3.67%)
Updated
Aug 15 closing price
Capitalization
272.57M
71 days until earnings call
FDBC
Price
$40.88
Change
-$1.41 (-3.33%)
Updated
Aug 15 closing price
Capitalization
235.77M
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CZFS vs FDBC

Header iconCZFS vs FDBC Comparison
Open Charts CZFS vs FDBCBanner chart's image
Citizens Financial Services
Price$56.70
Change-$2.16 (-3.67%)
Volume$5.35K
Capitalization272.57M
Fidelity D & D Ban
Price$40.88
Change-$1.41 (-3.33%)
Volume$5.81K
Capitalization235.77M
CZFS vs FDBC Comparison Chart in %
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CZFS
Daily Signalchanged days ago
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FDBC
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CZFS vs. FDBC commentary
Aug 17, 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 CZFS is a Hold and FDBC is a Hold.

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COMPARISON
Comparison
Aug 17, 2025
Stock price -- (CZFS: $56.70 vs. FDBC: $40.88)
Brand notoriety: CZFS and FDBC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZFS: 54% vs. FDBC: 47%
Market capitalization -- CZFS: $272.57M vs. FDBC: $235.77M
CZFS [@Regional Banks] is valued at $272.57M. FDBC’s [@Regional Banks] market capitalization is $235.77M. The market cap for tickers in the [@Regional Banks] industry ranges from $174.7B to $0. The average market capitalization across the [@Regional Banks] industry is $7.97B.

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).

CZFS’s FA Score shows that 1 FA rating(s) are green whileFDBC’s FA Score has 1 green FA rating(s).

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

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.

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

  • CZFS’s TA Score: 5 bullish, 6 bearish.
  • FDBC’s TA Score: 4 bullish, 5 bearish.
According to our system of comparison, CZFS is a better buy in the short-term than FDBC.

Price Growth

CZFS (@Regional Banks) experienced а +6.08% price change this week, while FDBC (@Regional Banks) price change was +1.95% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +1.72%. For the same industry, the average monthly price growth was +2.56%, and the average quarterly price growth was +8.87%.

Reported Earning Dates

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

Industries' Descriptions

@Regional Banks (+1.72% 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
CZFS($273M) has a higher market cap than FDBC($236M). FDBC has higher P/E ratio than CZFS: FDBC (9.97) vs CZFS (8.61). CZFS YTD gains are higher at: -7.968 vs. FDBC (-13.883). FDBC has less debt than CZFS: FDBC (17.4M) vs CZFS (302M). CZFS has higher revenues than FDBC: CZFS (102M) vs FDBC (85.1M).
CZFSFDBCCZFS / FDBC
Capitalization273M236M116%
EBITDAN/AN/A-
Gain YTD-7.968-13.88357%
P/E Ratio8.619.9786%
Revenue102M85.1M120%
Total CashN/A33.9M-
Total Debt302M17.4M1,736%
FUNDAMENTALS RATINGS
CZFS vs FDBC: Fundamental Ratings
CZFS
FDBC
OUTLOOK RATING
1..100
615
VALUATION
overvalued / fair valued / undervalued
1..100
23
Undervalued
26
Undervalued
PROFIT vs RISK RATING
1..100
65100
SMR RATING
1..100
4747
PRICE GROWTH RATING
1..100
6076
P/E GROWTH RATING
1..100
4192
SEASONALITY SCORE
1..100
n/a50

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 (23) in the null industry is in the same range as FDBC (26) in the Regional Banks industry. This means that CZFS’s stock grew similarly to FDBC’s over the last 12 months.

CZFS's Profit vs Risk Rating (65) in the null industry is somewhat better than the same rating for FDBC (100) in the Regional Banks industry. This means that CZFS’s stock grew somewhat faster than FDBC’s over the last 12 months.

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

CZFS's Price Growth Rating (60) in the null industry is in the same range as FDBC (76) in the Regional Banks industry. This means that CZFS’s stock grew similarly to FDBC’s over the last 12 months.

CZFS's P/E Growth Rating (41) in the null industry is somewhat better than the same rating for FDBC (92) in the Regional Banks industry. This means that CZFS’s stock grew somewhat faster than FDBC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZFSFDBC
RSI
ODDS (%)
Bullish Trend 2 days ago
64%
N/A
Stochastic
ODDS (%)
Bearish Trend 2 days ago
35%
Bearish Trend 2 days ago
72%
Momentum
ODDS (%)
Bullish Trend 2 days ago
66%
Bullish Trend 2 days ago
64%
MACD
ODDS (%)
Bullish Trend 2 days ago
63%
Bullish Trend 2 days ago
63%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
62%
Bullish Trend 2 days ago
62%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
53%
Bearish Trend 2 days ago
67%
Advances
ODDS (%)
Bullish Trend 4 days ago
65%
Bullish Trend 4 days ago
64%
Declines
ODDS (%)
Bearish Trend 2 days ago
65%
Bearish Trend 2 days ago
66%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
64%
Bullish Trend 17 days ago
85%
Aroon
ODDS (%)
Bearish Trend 2 days ago
57%
Bearish Trend 2 days ago
71%
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CZFS
Daily Signalchanged days ago
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FDBC
Daily Signalchanged days ago
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FDBC and

Correlation & Price change

A.I.dvisor indicates that over the last year, FDBC has been closely correlated with NWFL. These tickers have moved in lockstep 68% of the time. This A.I.-generated data suggests there is a high statistical probability that if FDBC jumps, then NWFL could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FDBC
1D Price
Change %
FDBC100%
-2.41%
NWFL - FDBC
68%
Closely correlated
-0.91%
CZFS - FDBC
66%
Closely correlated
-3.67%
BFC - FDBC
64%
Loosely correlated
-2.15%
TMP - FDBC
64%
Loosely correlated
-1.72%
BLFY - FDBC
62%
Loosely correlated
-2.73%
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