CZFS
Price
$64.90
Change
+$2.23 (+3.56%)
Updated
Jan 31, 10:30 AM (EDT)
Capitalization
231.58M
84 days until earnings call
FRME
Price
$44.72
Change
+$2.01 (+4.71%)
Updated
Jan 31, 10:57 AM (EDT)
Capitalization
2.03B
83 days until earnings call
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CZFS vs FRME

Header iconCZFS vs FRME Comparison
Open Charts CZFS vs FRMEBanner chart's image
Citizens Financial Services
Price$64.90
Change+$2.23 (+3.56%)
Volume$201
Capitalization231.58M
First Merchants
Price$44.72
Change+$2.01 (+4.71%)
Volume$300
Capitalization2.03B
CZFS vs FRME Comparison Chart
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CZFS
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
FRME
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
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VS
CZFS vs. FRME commentary
Jan 31, 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 FRME is a Buy.

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COMPARISON
Comparison
Jan 31, 2025
Stock price -- (CZFS: $62.67 vs. FRME: $42.71)
Brand notoriety: CZFS and FRME are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZFS: 63% vs. FRME: 132%
Market capitalization -- CZFS: $231.58M vs. FRME: $2.03B
CZFS [@Regional Banks] is valued at $231.58M. FRME’s [@Regional Banks] market capitalization is $2.03B. 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 $5.88B.

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 0 FA rating(s) are green whileFRME’s FA Score has 2 green FA rating(s).

  • CZFS’s FA Score: 0 green, 5 red.
  • FRME’s FA Score: 2 green, 3 red.
According to our system of comparison, FRME 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.

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

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

Price Growth

CZFS (@Regional Banks) experienced а +6.08% price change this week, while FRME (@Regional Banks) price change was +6.46% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +1.22%. For the same industry, the average monthly price growth was +3.47%, and the average quarterly price growth was +13.91%.

Reported Earning Dates

CZFS is expected to report earnings on Apr 25, 2025.

FRME is expected to report earnings on Apr 24, 2025.

Industries' Descriptions

@Regional Banks (+1.22% 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
FRME($2.03B) has a higher market cap than CZFS($232M). CZFS has higher P/E ratio than FRME: CZFS (11.92) vs FRME (9.16). FRME YTD gains are higher at: 7.069 vs. CZFS (-1.011). CZFS has less debt than FRME: CZFS (322M) vs FRME (871M). FRME has higher revenues than CZFS: FRME (651M) vs CZFS (91.9M).
CZFSFRMECZFS / FRME
Capitalization232M2.03B11%
EBITDAN/AN/A-
Gain YTD-1.0117.069-14%
P/E Ratio11.929.16130%
Revenue91.9M651M14%
Total CashN/A125M-
Total Debt322M871M37%
FUNDAMENTALS RATINGS
CZFS vs FRME: Fundamental Ratings
CZFS
FRME
OUTLOOK RATING
1..100
1414
VALUATION
overvalued / fair valued / undervalued
1..100
46
Fair valued
64
Fair valued
PROFIT vs RISK RATING
1..100
5962
SMR RATING
1..100
3612
PRICE GROWTH RATING
1..100
5045
P/E GROWTH RATING
1..100
7822
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 (46) in the null industry is in the same range as FRME (64) in the Regional Banks industry. This means that CZFS’s stock grew similarly to FRME’s over the last 12 months.

CZFS's Profit vs Risk Rating (59) in the null industry is in the same range as FRME (62) in the Regional Banks industry. This means that CZFS’s stock grew similarly to FRME’s over the last 12 months.

FRME's SMR Rating (12) in the Regional Banks industry is in the same range as CZFS (36) in the null industry. This means that FRME’s stock grew similarly to CZFS’s over the last 12 months.

FRME's Price Growth Rating (45) in the Regional Banks industry is in the same range as CZFS (50) in the null industry. This means that FRME’s stock grew similarly to CZFS’s over the last 12 months.

FRME's P/E Growth Rating (22) in the Regional Banks industry is somewhat better than the same rating for CZFS (78) in the null industry. This means that FRME’s stock grew somewhat faster than CZFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZFSFRME
RSI
ODDS (%)
Bullish Trend 3 days ago
68%
Bullish Trend 3 days ago
86%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
34%
Bearish Trend 3 days ago
63%
Momentum
ODDS (%)
Bullish Trend 3 days ago
67%
Bullish Trend 3 days ago
62%
MACD
ODDS (%)
Bullish Trend 3 days ago
60%
Bullish Trend 3 days ago
73%
TrendWeek
ODDS (%)
Bullish Trend 3 days ago
61%
Bullish Trend 3 days ago
62%
TrendMonth
ODDS (%)
Bearish Trend 3 days ago
50%
Bullish Trend 3 days ago
60%
Advances
ODDS (%)
Bullish Trend 4 days ago
65%
Bullish Trend 4 days ago
59%
Declines
ODDS (%)
Bearish Trend 25 days ago
63%
Bearish Trend 25 days ago
64%
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
61%
N/A
Aroon
ODDS (%)
Bearish Trend 3 days ago
49%
Bearish Trend 3 days ago
63%
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CZFS
Daily Signalchanged days ago
Gain/Loss if bought
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FRME
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 BFC. These tickers have moved in lockstep 70% 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%
+3.59%
BFC - CZFS
70%
Closely correlated
-0.21%
FRME - CZFS
67%
Closely correlated
+3.51%
FNLC - CZFS
67%
Closely correlated
-0.54%
VBTX - CZFS
67%
Closely correlated
+0.22%
EQBK - CZFS
67%
Closely correlated
-0.43%
More

FRME and

Correlation & Price change

A.I.dvisor indicates that over the last year, FRME has been closely correlated with NWBI. These tickers have moved in lockstep 91% of the time. This A.I.-generated data suggests there is a high statistical probability that if FRME jumps, then NWBI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FRME
1D Price
Change %
FRME100%
+3.51%
NWBI - FRME
91%
Closely correlated
+0.31%
FFBC - FRME
90%
Closely correlated
+0.69%
IBOC - FRME
90%
Closely correlated
+0.92%
UBSI - FRME
90%
Closely correlated
+0.42%
TCBK - FRME
88%
Closely correlated
-0.16%
More