CZNC
Price
$19.38
Change
-$0.12 (-0.62%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
347.14M
57 days until earnings call
Intraday BUY SELL Signals
HBT
Price
$23.00
Change
+$0.12 (+0.52%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
719.16M
70 days until earnings call
Intraday BUY SELL Signals
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CZNC vs HBT

Header iconCZNC vs HBT Comparison
Open Charts CZNC vs HBTBanner chart's image
Citizens & Northern
Price$19.38
Change-$0.12 (-0.62%)
Volume$879
Capitalization347.14M
HBT Financial
Price$23.00
Change+$0.12 (+0.52%)
Volume$2.79K
Capitalization719.16M
CZNC vs HBT Comparison Chart in %
CZNC
Daily Signal:
Gain/Loss:
HBT
Daily Signal:
Gain/Loss:
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CZNC vs. HBT commentary
Nov 20, 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 CZNC is a Hold and HBT is a Hold.

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COMPARISON
Comparison
Nov 20, 2025
Stock price -- (CZNC: $19.50 vs. HBT: $22.88)
Brand notoriety: CZNC and HBT are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZNC: 285% vs. HBT: 129%
Market capitalization -- CZNC: $345M vs. HBT: $722.93M
CZNC [@Regional Banks] is valued at $345M. HBT’s [@Regional Banks] market capitalization is $722.93M. The market cap for tickers in the [@Regional Banks] industry ranges from $172.58B to $0. The average market capitalization across the [@Regional Banks] industry is $8.01B.

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).

CZNC’s FA Score shows that 0 FA rating(s) are green whileHBT’s FA Score has 2 green FA rating(s).

  • CZNC’s FA Score: 0 green, 5 red.
  • HBT’s FA Score: 2 green, 3 red.
According to our system of comparison, HBT is a better buy in the long-term than CZNC.

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.

CZNC’s TA Score shows that 5 TA indicator(s) are bullish while HBT’s TA Score has 3 bullish TA indicator(s).

  • CZNC’s TA Score: 5 bullish, 2 bearish.
  • HBT’s TA Score: 3 bullish, 5 bearish.
According to our system of comparison, CZNC is a better buy in the short-term than HBT.

Price Growth

CZNC (@Regional Banks) experienced а +0.78% price change this week, while HBT (@Regional Banks) price change was -4.39% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.96%. For the same industry, the average monthly price growth was +1.62%, and the average quarterly price growth was +11.33%.

Reported Earning Dates

CZNC is expected to report earnings on Jan 15, 2026.

HBT is expected to report earnings on Jan 28, 2026.

Industries' Descriptions

@Regional Banks (-0.96% 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
HBT($719M) has a higher market cap than CZNC($347M). CZNC has higher P/E ratio than HBT: CZNC (11.14) vs HBT (9.23). CZNC YTD gains are higher at: 11.074 vs. HBT (8.186). HBT has less debt than CZNC: HBT (99.7M) vs CZNC (184M). HBT has higher revenues than CZNC: HBT (234M) vs CZNC (110M).
CZNCHBTCZNC / HBT
Capitalization347M719M48%
EBITDAN/AN/A-
Gain YTD11.0748.186135%
P/E Ratio11.149.23121%
Revenue110M234M47%
Total CashN/A25.6M-
Total Debt184M99.7M185%
FUNDAMENTALS RATINGS
CZNC vs HBT: Fundamental Ratings
CZNC
HBT
OUTLOOK RATING
1..100
1714
VALUATION
overvalued / fair valued / undervalued
1..100
67
Overvalued
52
Fair valued
PROFIT vs RISK RATING
1..100
5619
SMR RATING
1..100
4726
PRICE GROWTH RATING
1..100
5572
P/E GROWTH RATING
1..100
6962
SEASONALITY SCORE
1..100
5050

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.

HBT's Valuation (52) in the null industry is in the same range as CZNC (67) in the Regional Banks industry. This means that HBT’s stock grew similarly to CZNC’s over the last 12 months.

HBT's Profit vs Risk Rating (19) in the null industry is somewhat better than the same rating for CZNC (56) in the Regional Banks industry. This means that HBT’s stock grew somewhat faster than CZNC’s over the last 12 months.

HBT's SMR Rating (26) in the null industry is in the same range as CZNC (47) in the Regional Banks industry. This means that HBT’s stock grew similarly to CZNC’s over the last 12 months.

CZNC's Price Growth Rating (55) in the Regional Banks industry is in the same range as HBT (72) in the null industry. This means that CZNC’s stock grew similarly to HBT’s over the last 12 months.

HBT's P/E Growth Rating (62) in the null industry is in the same range as CZNC (69) in the Regional Banks industry. This means that HBT’s stock grew similarly to CZNC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZNCHBT
RSI
ODDS (%)
N/A
Bullish Trend 7 days ago
63%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
56%
Bearish Trend 2 days ago
75%
Momentum
ODDS (%)
Bullish Trend 2 days ago
49%
Bearish Trend 2 days ago
57%
MACD
ODDS (%)
Bullish Trend 2 days ago
46%
Bearish Trend 2 days ago
55%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
51%
Bearish Trend 2 days ago
61%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
47%
Bearish Trend 2 days ago
55%
Advances
ODDS (%)
Bullish Trend 6 days ago
48%
Bullish Trend 15 days ago
64%
Declines
ODDS (%)
N/A
Bearish Trend 2 days ago
61%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
67%
Bullish Trend 2 days ago
70%
Aroon
ODDS (%)
Bullish Trend 2 days ago
41%
Bearish Trend 2 days ago
49%
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CZNC
Daily Signal:
Gain/Loss:
HBT
Daily Signal:
Gain/Loss:
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CZNC and

Correlation & Price change

A.I.dvisor indicates that over the last year, CZNC has been closely correlated with FRBA. These tickers have moved in lockstep 71% of the time. This A.I.-generated data suggests there is a high statistical probability that if CZNC jumps, then FRBA could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZNC
1D Price
Change %
CZNC100%
+2.52%
FRBA - CZNC
71%
Closely correlated
-0.86%
HBT - CZNC
68%
Closely correlated
-0.26%
MCBS - CZNC
68%
Closely correlated
-1.32%
NBTB - CZNC
68%
Closely correlated
+0.30%
BFST - CZNC
68%
Closely correlated
+0.82%
More

HBT and

Correlation & Price change

A.I.dvisor indicates that over the last year, HBT has been closely correlated with MCBS. These tickers have moved in lockstep 86% of the time. This A.I.-generated data suggests there is a high statistical probability that if HBT jumps, then MCBS could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To HBT
1D Price
Change %
HBT100%
-0.26%
MCBS - HBT
86%
Closely correlated
-1.32%
FMBH - HBT
83%
Closely correlated
-0.74%
CTBI - HBT
80%
Closely correlated
+0.09%
SRCE - HBT
79%
Closely correlated
+0.69%
FRBA - HBT
79%
Closely correlated
-0.86%
More