CZNC
Price
$18.84
Change
+$0.08 (+0.43%)
Updated
Apr 17 closing price
Capitalization
288.8M
89 days until earnings call
SBT
Price
$4.84
Change
-$0.04 (-0.82%)
Updated
Mar 31 closing price
Capitalization
260.34M
16 days until earnings call
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CZNC vs SBT

Header iconCZNC vs SBT Comparison
Open Charts CZNC vs SBTBanner chart's image
Citizens & Northern
Price$18.84
Change+$0.08 (+0.43%)
Volume$20.35K
Capitalization288.8M
Sterling Ban
Price$4.84
Change-$0.04 (-0.82%)
Volume$578.01K
Capitalization260.34M
CZNC vs SBT Comparison Chart
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CZNC
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
SBT
Daily Signalchanged days ago
Gain/Loss if bought
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CZNC vs. SBT commentary
Apr 19, 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 SBT is a Hold.

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COMPARISON
Comparison
Apr 19, 2025
Stock price -- (CZNC: $18.84 vs. SBT: $4.84)
Brand notoriety: CZNC and SBT are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZNC: 72% vs. SBT: 282%
Market capitalization -- CZNC: $288.8M vs. SBT: $260.34M
CZNC [@Regional Banks] is valued at $288.8M. SBT’s [@Regional Banks] market capitalization is $260.34M. 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 $5.96B.

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 1 FA rating(s) are green whileSBT’s FA Score has 2 green FA rating(s).

  • CZNC’s FA Score: 1 green, 4 red.
  • SBT’s FA Score: 2 green, 3 red.
According to our system of comparison, SBT 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 4 TA indicator(s) are bullish while SBT’s TA Score has 1 bullish TA indicator(s).

  • CZNC’s TA Score: 4 bullish, 6 bearish.
  • SBT’s TA Score: 1 bullish, 3 bearish.
According to our system of comparison, CZNC is a better buy in the short-term than SBT.

Price Growth

CZNC (@Regional Banks) experienced а +2.34% price change this week, while SBT (@Regional Banks) price change was 0.00% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +3.08%. For the same industry, the average monthly price growth was -2.67%, and the average quarterly price growth was +1.79%.

Reported Earning Dates

CZNC is expected to report earnings on Jul 17, 2025.

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

Industries' Descriptions

@Regional Banks (+3.08% 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
CZNC($289M) has a higher market cap than SBT($260M). SBT has higher P/E ratio than CZNC: SBT (33.33) vs CZNC (11.56). CZNC YTD gains are higher at: 2.638 vs. SBT (1.681). SBT has less debt than CZNC: SBT (62.5M) vs CZNC (209M). CZNC has higher revenues than SBT: CZNC (103M) vs SBT (67.7M).
CZNCSBTCZNC / SBT
Capitalization289M260M111%
EBITDAN/AN/A-
Gain YTD2.6381.681157%
P/E Ratio11.5633.3335%
Revenue103M67.7M152%
Total CashN/AN/A-
Total Debt209M62.5M334%
FUNDAMENTALS RATINGS
CZNC vs SBT: Fundamental Ratings
CZNC
SBT
OUTLOOK RATING
1..100
6332
VALUATION
overvalued / fair valued / undervalued
1..100
62
Fair valued
95
Overvalued
PROFIT vs RISK RATING
1..100
6176
SMR RATING
1..100
1418
PRICE GROWTH RATING
1..100
5350
P/E GROWTH RATING
1..100
433
SEASONALITY SCORE
1..100
50n/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 (62) in the Regional Banks industry is somewhat better than the same rating for SBT (95) in the Savings Banks industry. This means that CZNC’s stock grew somewhat faster than SBT’s over the last 12 months.

CZNC's Profit vs Risk Rating (61) in the Regional Banks industry is in the same range as SBT (76) in the Savings Banks industry. This means that CZNC’s stock grew similarly to SBT’s over the last 12 months.

CZNC's SMR Rating (14) in the Regional Banks industry is in the same range as SBT (18) in the Savings Banks industry. This means that CZNC’s stock grew similarly to SBT’s over the last 12 months.

SBT's Price Growth Rating (50) in the Savings Banks industry is in the same range as CZNC (53) in the Regional Banks industry. This means that SBT’s stock grew similarly to CZNC’s over the last 12 months.

SBT's P/E Growth Rating (3) in the Savings Banks industry is somewhat better than the same rating for CZNC (43) in the Regional Banks industry. This means that SBT’s stock grew somewhat faster than CZNC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZNCSBT
RSI
ODDS (%)
Bullish Trend 2 days ago
75%
N/A
Stochastic
ODDS (%)
Bullish Trend 2 days ago
56%
Bearish Trend 19 days ago
66%
Momentum
ODDS (%)
Bearish Trend 2 days ago
54%
Bearish Trend 19 days ago
54%
MACD
ODDS (%)
Bearish Trend 2 days ago
60%
N/A
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
55%
Bearish Trend 19 days ago
56%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
50%
Bullish Trend 19 days ago
62%
Advances
ODDS (%)
Bullish Trend 4 days ago
52%
N/A
Declines
ODDS (%)
Bearish Trend 8 days ago
48%
Bearish Trend 19 days ago
57%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
57%
N/A
Aroon
ODDS (%)
Bearish Trend 2 days ago
55%
N/A
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CZNC
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
SBT
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
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CZNC and

Correlation & Price change

A.I.dvisor indicates that over the last year, CZNC has been closely correlated with THFF. These tickers have moved in lockstep 74% of the time. This A.I.-generated data suggests there is a high statistical probability that if CZNC jumps, then THFF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZNC
1D Price
Change %
CZNC100%
+0.43%
THFF - CZNC
74%
Closely correlated
+0.93%
BFST - CZNC
73%
Closely correlated
+1.29%
HBNC - CZNC
72%
Closely correlated
+1.42%
FRBA - CZNC
72%
Closely correlated
+1.19%
TOWN - CZNC
72%
Closely correlated
+0.98%
More

SBT and

Correlation & Price change

A.I.dvisor indicates that over the last year, SBT has been loosely correlated with BLFY. These tickers have moved in lockstep 43% of the time. This A.I.-generated data suggests there is some statistical probability that if SBT jumps, then BLFY could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SBT
1D Price
Change %
SBT100%
N/A
BLFY - SBT
43%
Loosely correlated
+0.91%
CZNC - SBT
39%
Loosely correlated
+0.43%
WTBA - SBT
38%
Loosely correlated
+1.93%
NKSH - SBT
37%
Loosely correlated
+0.80%
BY - SBT
37%
Loosely correlated
+0.88%
More