CZNC
Price
$20.25
Change
-$0.07 (-0.34%)
Updated
Aug 29, 03:36 PM (EDT)
Capitalization
315.26M
48 days until earnings call
HTB
Price
$41.30
Change
-$0.13 (-0.31%)
Updated
Aug 29, 04:00 PM (EDT)
Capitalization
725.06M
55 days until earnings call
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CZNC vs HTB

Header iconCZNC vs HTB Comparison
Open Charts CZNC vs HTBBanner chart's image
Citizens & Northern
Price$20.25
Change-$0.07 (-0.34%)
Volume$104
Capitalization315.26M
HomeTrust Bancshares
Price$41.30
Change-$0.13 (-0.31%)
Volume$100
Capitalization725.06M
CZNC vs HTB Comparison Chart in %
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CZNC
Daily Signalchanged days ago
Gain/Loss if bought
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HTB
Daily Signalchanged days ago
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CZNC vs. HTB commentary
Aug 30, 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 Buy and HTB is a StrongBuy.

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COMPARISON
Comparison
Aug 30, 2025
Stock price -- (CZNC: $20.32 vs. HTB: $41.43)
Brand notoriety: CZNC and HTB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZNC: 41% vs. HTB: 58%
Market capitalization -- CZNC: $315.26M vs. HTB: $725.06M
CZNC [@Regional Banks] is valued at $315.26M. HTB’s [@Regional Banks] market capitalization is $725.06M. The market cap for tickers in the [@Regional Banks] industry ranges from $167.72B to $0. The average market capitalization across the [@Regional Banks] industry is $7.85B.

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

  • CZNC’s FA Score: 0 green, 5 red.
  • HTB’s FA Score: 1 green, 4 red.
According to our system of comparison, HTB 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 6 TA indicator(s) are bullish while HTB’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

CZNC (@Regional Banks) experienced а +4.31% price change this week, while HTB (@Regional Banks) price change was +5.02% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.21%. For the same industry, the average monthly price growth was +4.71%, and the average quarterly price growth was +11.77%.

Reported Earning Dates

CZNC is expected to report earnings on Oct 16, 2025.

HTB is expected to report earnings on Oct 23, 2025.

Industries' Descriptions

@Regional Banks (+0.21% 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
HTB($725M) has a higher market cap than CZNC($315M). HTB (12.08) and CZNC (11.61) have similar P/E ratio . HTB YTD gains are higher at: 24.191 vs. CZNC (14.071). HTB has less debt than CZNC: HTB (45.2M) vs CZNC (184M). HTB has higher revenues than CZNC: HTB (205M) vs CZNC (110M).
CZNCHTBCZNC / HTB
Capitalization315M725M43%
EBITDAN/AN/A-
Gain YTD14.07124.19158%
P/E Ratio11.6112.0896%
Revenue110M205M54%
Total CashN/A14.3M-
Total Debt184M45.2M407%
FUNDAMENTALS RATINGS
CZNC vs HTB: Fundamental Ratings
CZNC
HTB
OUTLOOK RATING
1..100
7466
VALUATION
overvalued / fair valued / undervalued
1..100
67
Overvalued
89
Overvalued
PROFIT vs RISK RATING
1..100
5223
SMR RATING
1..100
100100
PRICE GROWTH RATING
1..100
5248
P/E GROWTH RATING
1..100
100100
SEASONALITY SCORE
1..100
85n/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.

CZNC's Valuation (67) in the Regional Banks industry is in the same range as HTB (89) in the Savings Banks industry. This means that CZNC’s stock grew similarly to HTB’s over the last 12 months.

HTB's Profit vs Risk Rating (23) in the Savings Banks industry is in the same range as CZNC (52) in the Regional Banks industry. This means that HTB’s stock grew similarly to CZNC’s over the last 12 months.

HTB's SMR Rating (100) in the Savings Banks industry is in the same range as CZNC (100) in the Regional Banks industry. This means that HTB’s stock grew similarly to CZNC’s over the last 12 months.

HTB's Price Growth Rating (48) in the Savings Banks industry is in the same range as CZNC (52) in the Regional Banks industry. This means that HTB’s stock grew similarly to CZNC’s over the last 12 months.

HTB's P/E Growth Rating (100) in the Savings Banks industry is in the same range as CZNC (100) in the Regional Banks industry. This means that HTB’s stock grew similarly to CZNC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZNCHTB
RSI
ODDS (%)
Bearish Trend 2 days ago
88%
Bearish Trend 2 days ago
68%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
62%
Bearish Trend 2 days ago
69%
Momentum
ODDS (%)
Bullish Trend 2 days ago
53%
Bullish Trend 2 days ago
64%
MACD
ODDS (%)
Bullish Trend 2 days ago
57%
Bullish Trend 2 days ago
65%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
54%
Bullish Trend 2 days ago
68%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
52%
Bullish Trend 2 days ago
69%
Advances
ODDS (%)
Bullish Trend 17 days ago
50%
Bullish Trend 3 days ago
64%
Declines
ODDS (%)
Bearish Trend 15 days ago
46%
Bearish Trend 22 days ago
66%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
60%
Bearish Trend 2 days ago
65%
Aroon
ODDS (%)
Bearish Trend 2 days ago
59%
Bullish Trend 2 days ago
79%
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CZNC
Daily Signalchanged days ago
Gain/Loss if bought
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HTB
Daily Signalchanged days ago
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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 73% 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%
+0.40%
FRBA - CZNC
73%
Closely correlated
+0.24%
MCBS - CZNC
72%
Closely correlated
-0.43%
BFST - CZNC
72%
Closely correlated
-1.30%
OBK - CZNC
72%
Closely correlated
-0.13%
HTB - CZNC
71%
Closely correlated
-0.19%
More

HTB and

Correlation & Price change

A.I.dvisor indicates that over the last year, HTB has been closely correlated with FMBH. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if HTB jumps, then FMBH could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To HTB
1D Price
Change %
HTB100%
-0.19%
FMBH - HTB
87%
Closely correlated
-0.17%
TCBK - HTB
86%
Closely correlated
+0.31%
STBA - HTB
86%
Closely correlated
-0.58%
MCBS - HTB
86%
Closely correlated
-0.43%
SMBC - HTB
85%
Closely correlated
+0.12%
More