CZFS
Price
$62.86
Change
+$1.53 (+2.49%)
Updated
Sep 26, 11:00 AM (EDT)
Capitalization
294.83M
31 days until earnings call
FDSB
Price
$13.85
Change
-$0.00 (-0.00%)
Updated
Sep 26, 10:30 AM (EDT)
Capitalization
77M
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CZFS vs FDSB

Header iconCZFS vs FDSB Comparison
Open Charts CZFS vs FDSBBanner chart's image
Citizens Financial Services
Price$62.86
Change+$1.53 (+2.49%)
Volume$164
Capitalization294.83M
Fifth District Ban
Price$13.85
Change-$0.00 (-0.00%)
VolumeN/A
Capitalization77M
CZFS vs FDSB Comparison Chart in %
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CZFS
Daily Signalchanged days ago
Gain/Loss if bought
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FDSB
Daily Signalchanged days ago
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CZFS vs. FDSB commentary
Sep 26, 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 StrongBuy and FDSB is a Buy.

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COMPARISON
Comparison
Sep 26, 2025
Stock price -- (CZFS: $61.33 vs. FDSB: $13.85)
Brand notoriety: CZFS and FDSB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZFS: 60% vs. FDSB: 51%
Market capitalization -- CZFS: $294.83M vs. FDSB: $77M
CZFS [@Regional Banks] is valued at $294.83M. FDSB’s [@Regional Banks] market capitalization is $77M. The market cap for tickers in the [@Regional Banks] industry ranges from $164.29B to $0. The average market capitalization across the [@Regional Banks] industry is $7.9B.

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 whileFDSB’s FA Score has 0 green FA rating(s).

  • CZFS’s FA Score: 1 green, 4 red.
  • FDSB’s FA Score: 0 green, 5 red.
According to our system of comparison, CZFS is a better buy in the long-term than FDSB.

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 FDSB’s TA Score has 4 bullish TA indicator(s).

  • CZFS’s TA Score: 5 bullish, 6 bearish.
  • FDSB’s TA Score: 4 bullish, 3 bearish.
According to our system of comparison, FDSB is a better buy in the short-term than CZFS.

Price Growth

CZFS (@Regional Banks) experienced а -5.57% price change this week, while FDSB (@Regional Banks) price change was -0.49% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.22%. For the same industry, the average monthly price growth was +1.00%, and the average quarterly price growth was +13.58%.

Reported Earning Dates

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

Industries' Descriptions

@Regional Banks (-0.22% 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($295M) has a higher market cap than FDSB($77M). FDSB has higher P/E ratio than CZFS: FDSB (29.90) vs CZFS (9.32). FDSB YTD gains are higher at: 9.746 vs. CZFS (0.330). FDSB has less debt than CZFS: FDSB (0) vs CZFS (313M). CZFS has higher revenues than FDSB: CZFS (105M) vs FDSB (16.4M).
CZFSFDSBCZFS / FDSB
Capitalization295M77M383%
EBITDAN/AN/A-
Gain YTD0.3309.7463%
P/E Ratio9.3229.9031%
Revenue105M16.4M640%
Total CashN/AN/A-
Total Debt313M0-
FUNDAMENTALS RATINGS
CZFS: Fundamental Ratings
CZFS
OUTLOOK RATING
1..100
69
VALUATION
overvalued / fair valued / undervalued
1..100
27
Undervalued
PROFIT vs RISK RATING
1..100
59
SMR RATING
1..100
44
PRICE GROWTH RATING
1..100
52
P/E GROWTH RATING
1..100
43
SEASONALITY SCORE
1..100
n/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.

TECHNICAL ANALYSIS
Technical Analysis
CZFSFDSB
RSI
ODDS (%)
Bearish Trend 2 days ago
44%
N/A
Stochastic
ODDS (%)
Bearish Trend 2 days ago
42%
Bullish Trend 2 days ago
70%
Momentum
ODDS (%)
Bearish Trend 2 days ago
43%
Bearish Trend 2 days ago
30%
MACD
ODDS (%)
Bearish Trend 2 days ago
50%
Bearish Trend 2 days ago
17%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
52%
Bearish Trend 2 days ago
30%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
62%
Bullish Trend 2 days ago
67%
Advances
ODDS (%)
Bullish Trend 15 days ago
66%
Bullish Trend 4 days ago
63%
Declines
ODDS (%)
Bearish Trend 5 days ago
65%
Bearish Trend 16 days ago
27%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
48%
Bullish Trend 2 days ago
88%
Aroon
ODDS (%)
Bullish Trend 2 days ago
56%
Bullish Trend 2 days ago
76%
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CZFS
Daily Signalchanged days ago
Gain/Loss if bought
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FDSB
Daily Signalchanged days ago
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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 72% 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%
+1.20%
MCBS - CZFS
72%
Closely correlated
-0.66%
PFIS - CZFS
72%
Closely correlated
-1.31%
BFC - CZFS
71%
Closely correlated
-0.15%
BY - CZFS
70%
Closely correlated
+0.39%
MBWM - CZFS
69%
Closely correlated
-0.65%
More

FDSB and

Correlation & Price change

A.I.dvisor tells us that FDSB and HBNC have been poorly correlated (+29% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that FDSB and HBNC's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FDSB
1D Price
Change %
FDSB100%
+0.22%
HBNC - FDSB
29%
Poorly correlated
-0.56%
BOKF - FDSB
27%
Poorly correlated
+0.59%
CZFS - FDSB
27%
Poorly correlated
+1.20%
LKFN - FDSB
27%
Poorly correlated
+0.06%
JMSB - FDSB
26%
Poorly correlated
-0.88%
More