CZFS
Price
$53.45
Change
-$0.80 (-1.47%)
Updated
Aug 8 closing price
Capitalization
256.93M
77 days until earnings call
IBTN
Price
$24.84
Change
+$0.36 (+1.47%)
Updated
Aug 6 closing price
Capitalization
72.13M
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CZFS vs IBTN

Header iconCZFS vs IBTN Comparison
Open Charts CZFS vs IBTNBanner chart's image
Citizens Financial Services
Price$53.45
Change-$0.80 (-1.47%)
Volume$15.77K
Capitalization256.93M
Ins
Price$24.84
Change+$0.36 (+1.47%)
Volume$200
Capitalization72.13M
CZFS vs IBTN Comparison Chart in %
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CZFS
Daily Signalchanged days ago
Gain/Loss if bought
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IBTN
Daily Signalchanged days ago
Gain/Loss if bought
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CZFS vs. IBTN commentary
Aug 11, 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 IBTN is a Hold.

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COMPARISON
Comparison
Aug 11, 2025
Stock price -- (CZFS: $53.45 vs. IBTN: $24.84)
Brand notoriety: CZFS and IBTN are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZFS: 166% vs. IBTN: 9%
Market capitalization -- CZFS: $256.93M vs. IBTN: $72.13M
CZFS [@Regional Banks] is valued at $256.93M. IBTN’s [@Regional Banks] market capitalization is $72.13M. The market cap for tickers in the [@Regional Banks] industry ranges from $173.23B to $0. The average market capitalization across the [@Regional Banks] industry is $7.8B.

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 whileIBTN’s FA Score has 2 green FA rating(s).

  • CZFS’s FA Score: 1 green, 4 red.
  • IBTN’s FA Score: 2 green, 3 red.
According to our system of comparison, both CZFS and IBTN are a good buy in the long-term.

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 4 TA indicator(s) are bullish while IBTN’s TA Score has 2 bullish TA indicator(s).

  • CZFS’s TA Score: 4 bullish, 7 bearish.
  • IBTN’s TA Score: 2 bullish, 4 bearish.
According to our system of comparison, IBTN is a better buy in the short-term than CZFS.

Price Growth

CZFS (@Regional Banks) experienced а +1.60% price change this week, while IBTN (@Regional Banks) price change was -0.08% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +1.47%. For the same industry, the average monthly price growth was +0.46%, and the average quarterly price growth was +7.74%.

Reported Earning Dates

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

Industries' Descriptions

@Regional Banks (+1.47% 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($257M) has a higher market cap than IBTN($72.1M). IBTN has higher P/E ratio than CZFS: IBTN (9.55) vs CZFS (8.12). IBTN YTD gains are higher at: 0.280 vs. CZFS (-13.243). IBTN has less debt than CZFS: IBTN (67.6M) vs CZFS (302M). CZFS has higher revenues than IBTN: CZFS (102M) vs IBTN (25.4M).
CZFSIBTNCZFS / IBTN
Capitalization257M72.1M356%
EBITDAN/AN/A-
Gain YTD-13.2430.280-4,731%
P/E Ratio8.129.5585%
Revenue102M25.4M402%
Total CashN/A7.69M-
Total Debt302M67.6M447%
FUNDAMENTALS RATINGS
CZFS vs IBTN: Fundamental Ratings
CZFS
IBTN
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
22
Undervalued
98
Overvalued
PROFIT vs RISK RATING
1..100
6818
SMR RATING
1..100
4758
PRICE GROWTH RATING
1..100
6250
P/E GROWTH RATING
1..100
4633
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 (22) in the null industry is significantly better than the same rating for IBTN (98). This means that CZFS’s stock grew significantly faster than IBTN’s over the last 12 months.

IBTN's Profit vs Risk Rating (18) in the null industry is somewhat better than the same rating for CZFS (68). This means that IBTN’s stock grew somewhat faster than CZFS’s over the last 12 months.

CZFS's SMR Rating (47) in the null industry is in the same range as IBTN (58). This means that CZFS’s stock grew similarly to IBTN’s over the last 12 months.

IBTN's Price Growth Rating (50) in the null industry is in the same range as CZFS (62). This means that IBTN’s stock grew similarly to CZFS’s over the last 12 months.

IBTN's P/E Growth Rating (33) in the null industry is in the same range as CZFS (46). This means that IBTN’s stock grew similarly to CZFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZFSIBTN
RSI
ODDS (%)
Bullish Trend 3 days ago
60%
Bearish Trend 3 days ago
20%
Stochastic
ODDS (%)
Bullish Trend 3 days ago
63%
Bearish Trend 3 days ago
21%
Momentum
ODDS (%)
Bearish Trend 3 days ago
49%
N/A
MACD
ODDS (%)
Bearish Trend 3 days ago
47%
N/A
TrendWeek
ODDS (%)
Bullish Trend 3 days ago
62%
Bearish Trend 3 days ago
18%
TrendMonth
ODDS (%)
Bearish Trend 3 days ago
53%
Bullish Trend 3 days ago
46%
Advances
ODDS (%)
Bullish Trend 20 days ago
66%
Bullish Trend 24 days ago
55%
Declines
ODDS (%)
Bearish Trend 5 days ago
65%
Bearish Trend 6 days ago
17%
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
66%
Bearish Trend 3 days ago
25%
Aroon
ODDS (%)
Bearish Trend 3 days ago
58%
Bullish Trend 3 days ago
45%
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CZFS
Daily Signalchanged days ago
Gain/Loss if bought
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IBTN
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 AROW. These tickers have moved in lockstep 71% of the time. This A.I.-generated data suggests there is a high statistical probability that if CZFS jumps, then AROW could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZFS
1D Price
Change %
CZFS100%
-1.47%
AROW - CZFS
71%
Closely correlated
+3.47%
BFC - CZFS
71%
Closely correlated
+0.78%
MCBS - CZFS
71%
Closely correlated
+0.94%
PFIS - CZFS
71%
Closely correlated
+1.48%
SMBC - CZFS
69%
Closely correlated
+0.41%
More

IBTN and

Correlation & Price change

A.I.dvisor tells us that IBTN and BKEAF have been poorly correlated (+27% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that IBTN and BKEAF's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To IBTN
1D Price
Change %
IBTN100%
N/A
BKEAF - IBTN
27%
Poorly correlated
+5.82%
VBNK - IBTN
22%
Poorly correlated
-2.47%
CZFS - IBTN
22%
Poorly correlated
-1.47%
CFBK - IBTN
21%
Poorly correlated
+1.05%
HSNGF - IBTN
13%
Poorly correlated
N/A
More