CZFS
Price
$58.60
Change
+$0.84 (+1.45%)
Updated
Jun 27 closing price
Capitalization
231.58M
37 days until earnings call
UVSP
Price
$30.62
Change
-$0.18 (-0.58%)
Updated
Jun 27 closing price
Capitalization
600.91M
25 days until earnings call
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CZFS vs UVSP

Header iconCZFS vs UVSP Comparison
Open Charts CZFS vs UVSPBanner chart's image
Citizens Financial Services
Price$58.60
Change+$0.84 (+1.45%)
Volume$15.94K
Capitalization231.58M
Univest Financial
Price$30.62
Change-$0.18 (-0.58%)
Volume$240.63K
Capitalization600.91M
CZFS vs UVSP Comparison Chart in %
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CZFS
Daily Signalchanged days ago
Gain/Loss if bought
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UVSP
Daily Signalchanged days ago
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CZFS vs. UVSP commentary
Jun 28, 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 UVSP is a StrongBuy.

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COMPARISON
Comparison
Jun 28, 2025
Stock price -- (CZFS: $58.77 vs. UVSP: $30.62)
Brand notoriety: CZFS and UVSP are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZFS: 201% vs. UVSP: 224%
Market capitalization -- CZFS: $231.58M vs. UVSP: $600.91M
CZFS [@Regional Banks] is valued at $231.58M. UVSP’s [@Regional Banks] market capitalization is $600.91M. 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 $6.03B.

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 whileUVSP’s FA Score has 3 green FA rating(s).

  • CZFS’s FA Score: 0 green, 5 red.
  • UVSP’s FA Score: 3 green, 2 red.
According to our system of comparison, UVSP 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 3 TA indicator(s) are bullish while UVSP’s TA Score has 6 bullish TA indicator(s).

  • CZFS’s TA Score: 3 bullish, 7 bearish.
  • UVSP’s TA Score: 6 bullish, 3 bearish.
According to our system of comparison, UVSP is a better buy in the short-term than CZFS.

Price Growth

CZFS (@Regional Banks) experienced а +3.72% price change this week, while UVSP (@Regional Banks) price change was +5.40% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +2.38%. For the same industry, the average monthly price growth was +2.26%, and the average quarterly price growth was +8.91%.

Reported Earning Dates

CZFS is expected to report earnings on Aug 04, 2025.

UVSP is expected to report earnings on Jul 23, 2025.

Industries' Descriptions

@Regional Banks (+2.38% 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
UVSP($601M) has a higher market cap than CZFS($232M). CZFS has higher P/E ratio than UVSP: CZFS (11.92) vs UVSP (8.44). UVSP YTD gains are higher at: 5.246 vs. CZFS (-4.608). CZFS has less debt than UVSP: CZFS (322M) vs UVSP (494M). UVSP has higher revenues than CZFS: UVSP (297M) vs CZFS (91.9M).
CZFSUVSPCZFS / UVSP
Capitalization232M601M39%
EBITDAN/AN/A-
Gain YTD-4.6085.246-88%
P/E Ratio11.928.44141%
Revenue91.9M297M31%
Total CashN/A72.8M-
Total Debt322M494M65%
FUNDAMENTALS RATINGS
CZFS vs UVSP: Fundamental Ratings
CZFS
UVSP
OUTLOOK RATING
1..100
1959
VALUATION
overvalued / fair valued / undervalued
1..100
36
Fair valued
45
Fair valued
PROFIT vs RISK RATING
1..100
5932
SMR RATING
1..100
3619
PRICE GROWTH RATING
1..100
5246
P/E GROWTH RATING
1..100
7126
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 in the same range as UVSP (45) in the Regional Banks industry. This means that CZFS’s stock grew similarly to UVSP’s over the last 12 months.

UVSP's Profit vs Risk Rating (32) in the Regional Banks industry is in the same range as CZFS (59) in the null industry. This means that UVSP’s stock grew similarly to CZFS’s over the last 12 months.

UVSP's SMR Rating (19) in the Regional Banks industry is in the same range as CZFS (36) in the null industry. This means that UVSP’s stock grew similarly to CZFS’s over the last 12 months.

UVSP's Price Growth Rating (46) in the Regional Banks industry is in the same range as CZFS (52) in the null industry. This means that UVSP’s stock grew similarly to CZFS’s over the last 12 months.

UVSP's P/E Growth Rating (26) in the Regional Banks industry is somewhat better than the same rating for CZFS (71) in the null industry. This means that UVSP’s stock grew somewhat faster than CZFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZFSUVSP
RSI
ODDS (%)
Bearish Trend 5 days ago
38%
N/A
Stochastic
ODDS (%)
Bearish Trend 1 day ago
38%
Bearish Trend 1 day ago
60%
Momentum
ODDS (%)
Bearish Trend 1 day ago
45%
Bullish Trend 1 day ago
65%
MACD
ODDS (%)
Bearish Trend 1 day ago
45%
Bullish Trend 1 day ago
64%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
61%
Bullish Trend 1 day ago
62%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
56%
Bullish Trend 1 day ago
57%
Advances
ODDS (%)
Bullish Trend 1 day ago
66%
Bullish Trend 5 days ago
57%
Declines
ODDS (%)
Bearish Trend 26 days ago
65%
Bearish Trend 11 days ago
65%
BollingerBands
ODDS (%)
Bullish Trend 1 day ago
63%
Bullish Trend 2 days ago
61%
Aroon
ODDS (%)
Bearish Trend 1 day ago
59%
Bearish Trend 1 day ago
63%
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CZFS
Daily Signalchanged days ago
Gain/Loss if bought
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UVSP
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 73% 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%
+1.75%
BFC - CZFS
73%
Closely correlated
+1.69%
AROW - CZFS
71%
Closely correlated
+0.39%
PFIS - CZFS
71%
Closely correlated
-0.16%
MCBS - CZFS
70%
Closely correlated
-0.18%
UVSP - CZFS
70%
Closely correlated
-0.58%
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