CZFS
Price
$53.25
Change
+$0.83 (+1.58%)
Updated
Aug 7, 04:15 PM (EDT)
Capitalization
231.58M
81 days until earnings call
PFIS
Price
$47.30
Change
-$0.15 (-0.32%)
Updated
Aug 7, 04:59 PM (EDT)
Capitalization
294.56M
96 days until earnings call
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CZFS vs PFIS

Header iconCZFS vs PFIS Comparison
Open Charts CZFS vs PFISBanner chart's image
Citizens Financial Services
Price$53.25
Change+$0.83 (+1.58%)
Volume$100
Capitalization231.58M
Peoples Financial Services
Price$47.30
Change-$0.15 (-0.32%)
Volume$100
Capitalization294.56M
CZFS vs PFIS Comparison Chart in %
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CZFS
Daily Signalchanged days ago
Gain/Loss if bought
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PFIS
Daily Signalchanged days ago
Gain/Loss if bought
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CZFS vs. PFIS commentary
Aug 08, 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 PFIS is a Buy.

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COMPARISON
Comparison
Aug 08, 2025
Stock price -- (CZFS: $52.42 vs. PFIS: $47.45)
Brand notoriety: CZFS and PFIS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZFS: 142% vs. PFIS: 63%
Market capitalization -- CZFS: $231.58M vs. PFIS: $294.56M
CZFS [@Regional Banks] is valued at $231.58M. PFIS’s [@Regional Banks] market capitalization is $294.56M. 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 $6.06B.

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

  • CZFS’s FA Score: 1 green, 4 red.
  • PFIS’s FA Score: 0 green, 5 red.
According to our system of comparison, both CZFS and PFIS 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 5 TA indicator(s) are bullish while PFIS’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

CZFS (@Regional Banks) experienced а -2.02% price change this week, while PFIS (@Regional Banks) price change was -2.06% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.12%. For the same industry, the average monthly price growth was -0.10%, and the average quarterly price growth was +6.82%.

Reported Earning Dates

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

PFIS is expected to report earnings on Nov 11, 2025.

Industries' Descriptions

@Regional Banks (+0.12% 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
PFIS($295M) has a higher market cap than CZFS($232M). CZFS has higher P/E ratio than PFIS: CZFS (11.92) vs PFIS (10.90). PFIS YTD gains are higher at: -4.903 vs. CZFS (-14.915). PFIS has less debt than CZFS: PFIS (75.6M) vs CZFS (322M). PFIS has higher revenues than CZFS: PFIS (101M) vs CZFS (91.9M).
CZFSPFISCZFS / PFIS
Capitalization232M295M79%
EBITDAN/AN/A-
Gain YTD-14.915-4.903304%
P/E Ratio11.9210.90109%
Revenue91.9M101M91%
Total CashN/A39.3M-
Total Debt322M75.6M426%
FUNDAMENTALS RATINGS
CZFS vs PFIS: Fundamental Ratings
CZFS
PFIS
OUTLOOK RATING
1..100
5281
VALUATION
overvalued / fair valued / undervalued
1..100
22
Undervalued
45
Fair valued
PROFIT vs RISK RATING
1..100
6949
SMR RATING
1..100
4745
PRICE GROWTH RATING
1..100
6260
P/E GROWTH RATING
1..100
4178
SEASONALITY SCORE
1..100
19n/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 in the same range as PFIS (45) in the Regional Banks industry. This means that CZFS’s stock grew similarly to PFIS’s over the last 12 months.

PFIS's Profit vs Risk Rating (49) in the Regional Banks industry is in the same range as CZFS (69) in the null industry. This means that PFIS’s stock grew similarly to CZFS’s over the last 12 months.

PFIS's SMR Rating (45) in the Regional Banks industry is in the same range as CZFS (47) in the null industry. This means that PFIS’s stock grew similarly to CZFS’s over the last 12 months.

PFIS's Price Growth Rating (60) in the Regional Banks industry is in the same range as CZFS (62) in the null industry. This means that PFIS’s stock grew similarly to CZFS’s over the last 12 months.

CZFS's P/E Growth Rating (41) in the null industry is somewhat better than the same rating for PFIS (78) in the Regional Banks industry. This means that CZFS’s stock grew somewhat faster than PFIS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZFSPFIS
RSI
ODDS (%)
Bullish Trend 2 days ago
67%
Bullish Trend 2 days ago
67%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
62%
Bullish Trend 2 days ago
59%
Momentum
ODDS (%)
Bearish Trend 2 days ago
47%
Bearish Trend 2 days ago
60%
MACD
ODDS (%)
Bearish Trend 2 days ago
57%
Bearish Trend 2 days ago
60%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
52%
Bearish Trend 2 days ago
53%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
53%
Bearish Trend 2 days ago
52%
Advances
ODDS (%)
Bullish Trend 17 days ago
66%
Bullish Trend 22 days ago
60%
Declines
ODDS (%)
Bearish Trend 2 days ago
65%
Bearish Trend 2 days ago
54%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
63%
Bullish Trend 2 days ago
71%
Aroon
ODDS (%)
Bullish Trend 2 days ago
61%
Bearish Trend 2 days ago
61%
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CZFS
Daily Signalchanged days ago
Gain/Loss if bought
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PFIS
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 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%
-1.87%
BFC - CZFS
72%
Closely correlated
-0.52%
AROW - CZFS
71%
Closely correlated
-1.19%
PFIS - CZFS
71%
Closely correlated
-0.08%
MCBS - CZFS
71%
Closely correlated
-1.05%
CTBI - CZFS
69%
Closely correlated
-1.27%
More