CZFS
Price
$58.00
Change
-$0.23 (-0.39%)
Updated
Jul 25 closing price
Capitalization
231.58M
8 days until earnings call
FDBC
Price
$42.66
Change
-$0.44 (-1.02%)
Updated
Jul 25 closing price
Capitalization
277.7M
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CZFS vs FDBC

Header iconCZFS vs FDBC Comparison
Open Charts CZFS vs FDBCBanner chart's image
Citizens Financial Services
Price$58.00
Change-$0.23 (-0.39%)
Volume$3.09K
Capitalization231.58M
Fidelity D & D Ban
Price$42.66
Change-$0.44 (-1.02%)
Volume$6.6K
Capitalization277.7M
CZFS vs FDBC Comparison Chart in %
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CZFS
Daily Signalchanged days ago
Gain/Loss if bought
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FDBC
Daily Signalchanged days ago
Gain/Loss if bought
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CZFS vs. FDBC commentary
Jul 27, 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
Jul 27, 2025
Stock price -- (CZFS: $58.00 vs. FDBC: $42.66)
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: 33% vs. FDBC: 54%
Market capitalization -- CZFS: $231.58M vs. FDBC: $277.7M
CZFS [@Regional Banks] is valued at $231.58M. FDBC’s [@Regional Banks] market capitalization is $277.7M. 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 $6.03B.

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 0 green FA rating(s).

  • CZFS’s FA Score: 1 green, 4 red.
  • FDBC’s FA Score: 0 green, 5 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 3 bullish TA indicator(s).

  • CZFS’s TA Score: 5 bullish, 6 bearish.
  • FDBC’s TA Score: 3 bullish, 6 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 -1.69% price change this week, while FDBC (@Regional Banks) price change was -2.56% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.49%. For the same industry, the average monthly price growth was +4.59%, and the average quarterly price growth was +10.16%.

Reported Earning Dates

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

FDBC is expected to report earnings on May 09, 2025.

Industries' Descriptions

@Regional Banks (+0.49% 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
FDBC($278M) has a higher market cap than CZFS($232M). FDBC has higher P/E ratio than CZFS: FDBC (14.75) vs CZFS (11.92). CZFS YTD gains are higher at: -5.858 vs. FDBC (-10.984). FDBC has less debt than CZFS: FDBC (134M) vs CZFS (322M). CZFS has higher revenues than FDBC: CZFS (91.9M) vs FDBC (72.7M).
CZFSFDBCCZFS / FDBC
Capitalization232M278M83%
EBITDAN/AN/A-
Gain YTD-5.858-10.98453%
P/E Ratio11.9214.7581%
Revenue91.9M72.7M126%
Total CashN/A28.4M-
Total Debt322M134M240%
FUNDAMENTALS RATINGS
CZFS vs FDBC: Fundamental Ratings
CZFS
FDBC
OUTLOOK RATING
1..100
6958
VALUATION
overvalued / fair valued / undervalued
1..100
33
Fair valued
55
Fair valued
PROFIT vs RISK RATING
1..100
6194
SMR RATING
1..100
3541
PRICE GROWTH RATING
1..100
5457
P/E GROWTH RATING
1..100
8993
SEASONALITY SCORE
1..100
n/an/a

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 (33) in the null industry is in the same range as FDBC (55) 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 (61) in the null industry is somewhat better than the same rating for FDBC (94) 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 (35) in the null industry is in the same range as FDBC (41) 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 (54) in the null industry is in the same range as FDBC (57) 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 (89) in the null industry is in the same range as FDBC (93) in the Regional Banks industry. This means that CZFS’s stock grew similarly to FDBC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZFSFDBC
RSI
ODDS (%)
Bearish Trend 2 days ago
39%
Bearish Trend 2 days ago
70%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
53%
Bullish Trend 2 days ago
52%
Momentum
ODDS (%)
Bearish Trend 2 days ago
41%
Bearish Trend 2 days ago
65%
MACD
ODDS (%)
Bearish Trend 2 days ago
40%
Bearish Trend 2 days ago
74%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
52%
Bearish Trend 2 days ago
65%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
62%
Bearish Trend 2 days ago
66%
Advances
ODDS (%)
Bullish Trend 5 days ago
66%
Bullish Trend 25 days ago
64%
Declines
ODDS (%)
Bearish Trend 2 days ago
65%
Bearish Trend 2 days ago
66%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
37%
Bearish Trend 2 days ago
78%
Aroon
ODDS (%)
Bullish Trend 2 days ago
55%
Bullish Trend 2 days ago
56%
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CZFS
Daily Signalchanged days ago
Gain/Loss if bought
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FDBC
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 PFIS. 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 PFIS could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZFS
1D Price
Change %
CZFS100%
-0.39%
PFIS - CZFS
72%
Closely correlated
-1.03%
BFC - CZFS
72%
Closely correlated
-1.40%
AROW - CZFS
72%
Closely correlated
-0.74%
MCBS - CZFS
71%
Closely correlated
-1.01%
UVSP - CZFS
70%
Closely correlated
-0.78%
More

FDBC and

Correlation & Price change

A.I.dvisor indicates that over the last year, FDBC has been closely correlated with PFIS. These tickers have moved in lockstep 71% of the time. This A.I.-generated data suggests there is a high statistical probability that if FDBC jumps, then PFIS could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FDBC
1D Price
Change %
FDBC100%
-1.02%
PFIS - FDBC
71%
Closely correlated
-1.03%
FCBC - FDBC
69%
Closely correlated
-1.11%
FNLC - FDBC
68%
Closely correlated
+3.14%
NWFL - FDBC
67%
Closely correlated
+1.53%
WTBA - FDBC
67%
Closely correlated
-0.74%
More