CZFS
Price
$59.85
Change
-$1.19 (-1.95%)
Updated
Jul 17 closing price
Capitalization
231.58M
17 days until earnings call
MCBS
Price
$29.60
Change
+$0.28 (+0.95%)
Updated
Jul 18, 11:01 AM (EDT)
Capitalization
629.13M
Earnings call today
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CZFS vs MCBS

Header iconCZFS vs MCBS Comparison
Open Charts CZFS vs MCBSBanner chart's image
Citizens Financial Services
Price$59.85
Change-$1.19 (-1.95%)
Volume$6.8K
Capitalization231.58M
MetroCity Bankshares
Price$29.60
Change+$0.28 (+0.95%)
Volume$100
Capitalization629.13M
CZFS vs MCBS Comparison Chart in %
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CZFS
Daily Signalchanged days ago
Gain/Loss if bought
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MCBS
Daily Signalchanged days ago
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CZFS vs. MCBS commentary
Jul 18, 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 MCBS is a Hold.

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COMPARISON
Comparison
Jul 18, 2025
Stock price -- (CZFS: $59.85 vs. MCBS: $29.32)
Brand notoriety: CZFS and MCBS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZFS: 73% vs. MCBS: 117%
Market capitalization -- CZFS: $231.58M vs. MCBS: $629.13M
CZFS [@Regional Banks] is valued at $231.58M. MCBS’s [@Regional Banks] market capitalization is $629.13M. 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 $6.04B.

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 whileMCBS’s FA Score has 1 green FA rating(s).

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

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

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

Price Growth

CZFS (@Regional Banks) experienced а -6.00% price change this week, while MCBS (@Regional Banks) price change was -2.01% 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 +5.70%, and the average quarterly price growth was +10.50%.

Reported Earning Dates

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

MCBS is expected to report earnings on Oct 17, 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
MCBS($629M) has a higher market cap than CZFS($232M). CZFS (11.92) and MCBS (11.86) have similar P/E ratio . CZFS YTD gains are higher at: -2.855 vs. MCBS (-6.794). CZFS (322M) and MCBS (334M) have identical debt. MCBS has higher revenues than CZFS: MCBS (118M) vs CZFS (91.9M).
CZFSMCBSCZFS / MCBS
Capitalization232M629M37%
EBITDAN/AN/A-
Gain YTD-2.855-6.79442%
P/E Ratio11.9211.86101%
Revenue91.9M118M78%
Total CashN/A251M-
Total Debt322M334M96%
FUNDAMENTALS RATINGS
CZFS vs MCBS: Fundamental Ratings
CZFS
MCBS
OUTLOOK RATING
1..100
127
VALUATION
overvalued / fair valued / undervalued
1..100
36
Fair valued
88
Overvalued
PROFIT vs RISK RATING
1..100
6234
SMR RATING
1..100
3624
PRICE GROWTH RATING
1..100
4852
P/E GROWTH RATING
1..100
8377
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 (36) in the null industry is somewhat better than the same rating for MCBS (88). This means that CZFS’s stock grew somewhat faster than MCBS’s over the last 12 months.

MCBS's Profit vs Risk Rating (34) in the null industry is in the same range as CZFS (62). This means that MCBS’s stock grew similarly to CZFS’s over the last 12 months.

MCBS's SMR Rating (24) in the null industry is in the same range as CZFS (36). This means that MCBS’s stock grew similarly to CZFS’s over the last 12 months.

CZFS's Price Growth Rating (48) in the null industry is in the same range as MCBS (52). This means that CZFS’s stock grew similarly to MCBS’s over the last 12 months.

MCBS's P/E Growth Rating (77) in the null industry is in the same range as CZFS (83). This means that MCBS’s stock grew similarly to CZFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZFSMCBS
RSI
ODDS (%)
Bearish Trend 1 day ago
43%
Bearish Trend 1 day ago
72%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
52%
Bullish Trend 1 day ago
75%
Momentum
ODDS (%)
Bearish Trend 1 day ago
44%
Bearish Trend 1 day ago
57%
MACD
ODDS (%)
Bearish Trend 1 day ago
48%
Bearish Trend 1 day ago
60%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
52%
Bearish Trend 1 day ago
62%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
62%
Bullish Trend 1 day ago
68%
Advances
ODDS (%)
Bullish Trend 10 days ago
65%
Bullish Trend 1 day ago
68%
Declines
ODDS (%)
Bearish Trend 8 days ago
65%
N/A
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
45%
Bearish Trend 1 day ago
69%
Aroon
ODDS (%)
Bearish Trend 1 day ago
53%
Bearish Trend 1 day ago
71%
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CZFS
Daily Signalchanged days ago
Gain/Loss if bought
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MCBS
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 BFC. 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 BFC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZFS
1D Price
Change %
CZFS100%
-1.95%
BFC - CZFS
72%
Closely correlated
+3.76%
PFIS - CZFS
71%
Closely correlated
+0.21%
AROW - CZFS
71%
Closely correlated
+1.04%
MCBS - CZFS
71%
Closely correlated
+1.28%
UVSP - CZFS
70%
Closely correlated
+1.37%
More

MCBS and

Correlation & Price change

A.I.dvisor indicates that over the last year, MCBS has been closely correlated with TRMK. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if MCBS jumps, then TRMK could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To MCBS
1D Price
Change %
MCBS100%
+1.28%
TRMK - MCBS
88%
Closely correlated
+0.79%
CTBI - MCBS
88%
Closely correlated
+1.54%
BANF - MCBS
88%
Closely correlated
+2.71%
IBOC - MCBS
87%
Closely correlated
+1.98%
FFBC - MCBS
87%
Closely correlated
+0.48%
More