CZNC
Price
$20.85
Change
-$0.40 (-1.88%)
Updated
Feb 21 closing price
Capitalization
288.8M
53 days until earnings call
TOWN
Price
$36.20
Change
-$0.83 (-2.24%)
Updated
Feb 21 closing price
Capitalization
2.06B
60 days until earnings call
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CZNC vs TOWN

Header iconCZNC vs TOWN Comparison
Open Charts CZNC vs TOWNBanner chart's image
Citizens & Northern
Price$20.85
Change-$0.40 (-1.88%)
Volume$28.6K
Capitalization288.8M
TowneBank
Price$36.20
Change-$0.83 (-2.24%)
Volume$447.41K
Capitalization2.06B
CZNC vs TOWN Comparison Chart
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CZNC
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
TOWN
Daily Signalchanged days ago
Gain/Loss if bought
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CZNC vs. TOWN commentary
Feb 23, 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 TOWN is a Hold.

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COMPARISON
Comparison
Feb 23, 2025
Stock price -- (CZNC: $20.85 vs. TOWN: $36.20)
Brand notoriety: CZNC and TOWN are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZNC: 70% vs. TOWN: 200%
Market capitalization -- CZNC: $288.8M vs. TOWN: $2.06B
CZNC [@Regional Banks] is valued at $288.8M. TOWN’s [@Regional Banks] market capitalization is $2.06B. 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 $5.88B.

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

  • CZNC’s FA Score: 0 green, 5 red.
  • TOWN’s FA Score: 3 green, 2 red.
According to our system of comparison, TOWN 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 TOWN’s TA Score has 4 bullish TA indicator(s).

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

Price Growth

CZNC (@Regional Banks) experienced а -2.57% price change this week, while TOWN (@Regional Banks) price change was -1.74% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -1.09%. For the same industry, the average monthly price growth was +1.76%, and the average quarterly price growth was +9.90%.

Reported Earning Dates

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

TOWN is expected to report earnings on Apr 24, 2025.

Industries' Descriptions

@Regional Banks (-1.09% 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
TOWN($2.06B) has a higher market cap than CZNC($289M). TOWN has higher P/E ratio than CZNC: TOWN (13.37) vs CZNC (11.56). CZNC YTD gains are higher at: 13.588 vs. TOWN (6.283). CZNC has less debt than TOWN: CZNC (209M) vs TOWN (460M). TOWN has higher revenues than CZNC: TOWN (695M) vs CZNC (103M).
CZNCTOWNCZNC / TOWN
Capitalization289M2.06B14%
EBITDAN/AN/A-
Gain YTD13.5886.283216%
P/E Ratio11.5613.3786%
Revenue103M695M15%
Total CashN/A83.9M-
Total Debt209M460M45%
FUNDAMENTALS RATINGS
CZNC vs TOWN: Fundamental Ratings
CZNC
TOWN
OUTLOOK RATING
1..100
2864
VALUATION
overvalued / fair valued / undervalued
1..100
60
Fair valued
76
Overvalued
PROFIT vs RISK RATING
1..100
10027
SMR RATING
1..100
4013
PRICE GROWTH RATING
1..100
4545
P/E GROWTH RATING
1..100
4417
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.

CZNC's Valuation (60) in the Regional Banks industry is in the same range as TOWN (76). This means that CZNC’s stock grew similarly to TOWN’s over the last 12 months.

TOWN's Profit vs Risk Rating (27) in the Regional Banks industry is significantly better than the same rating for CZNC (100). This means that TOWN’s stock grew significantly faster than CZNC’s over the last 12 months.

TOWN's SMR Rating (13) in the Regional Banks industry is in the same range as CZNC (40). This means that TOWN’s stock grew similarly to CZNC’s over the last 12 months.

TOWN's Price Growth Rating (45) in the Regional Banks industry is in the same range as CZNC (45). This means that TOWN’s stock grew similarly to CZNC’s over the last 12 months.

TOWN's P/E Growth Rating (17) in the Regional Banks industry is in the same range as CZNC (44). This means that TOWN’s stock grew similarly to CZNC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZNCTOWN
RSI
ODDS (%)
Bearish Trend 3 days ago
76%
Bearish Trend 3 days ago
66%
Stochastic
ODDS (%)
Bullish Trend 3 days ago
60%
Bearish Trend 3 days ago
70%
Momentum
ODDS (%)
Bearish Trend 3 days ago
55%
Bearish Trend 3 days ago
69%
MACD
ODDS (%)
Bearish Trend 3 days ago
49%
Bearish Trend 3 days ago
62%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
51%
Bearish Trend 3 days ago
61%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
55%
Bullish Trend 3 days ago
60%
Advances
ODDS (%)
Bullish Trend 13 days ago
52%
Bullish Trend 18 days ago
58%
Declines
ODDS (%)
Bearish Trend 3 days ago
48%
Bearish Trend 3 days ago
58%
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
70%
Bearish Trend 3 days ago
80%
Aroon
ODDS (%)
Bullish Trend 3 days ago
65%
Bullish Trend 3 days ago
60%
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CZNC
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
TOWN
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 TOWN. These tickers have moved in lockstep 72% of the time. This A.I.-generated data suggests there is a high statistical probability that if CZNC jumps, then TOWN could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZNC
1D Price
Change %
CZNC100%
-1.88%
TOWN - CZNC
72%
Closely correlated
-2.24%
THFF - CZNC
71%
Closely correlated
-3.31%
CCNE - CZNC
69%
Closely correlated
-1.83%
MOFG - CZNC
69%
Closely correlated
-1.34%
WASH - CZNC
69%
Closely correlated
-2.39%
More

TOWN and

Correlation & Price change

A.I.dvisor indicates that over the last year, TOWN has been closely correlated with UBSI. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if TOWN jumps, then UBSI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To TOWN
1D Price
Change %
TOWN100%
-2.24%
UBSI - TOWN
90%
Closely correlated
-3.37%
FMBH - TOWN
88%
Closely correlated
-1.33%
THFF - TOWN
88%
Closely correlated
-3.31%
SSB - TOWN
87%
Closely correlated
-2.01%
UCB - TOWN
87%
Closely correlated
-2.09%
More