CZWI
Price
$17.68
Change
+$0.35 (+2.02%)
Updated
Dec 3, 04:02 PM (EDT)
Capitalization
167.6M
61 days until earnings call
Intraday BUY SELL Signals
OSBC
Price
$19.49
Change
+$0.56 (+2.96%)
Updated
Dec 3, 04:33 PM (EDT)
Capitalization
1B
56 days until earnings call
Intraday BUY SELL Signals
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CZWI vs OSBC

Header iconCZWI vs OSBC Comparison
Open Charts CZWI vs OSBCBanner chart's image
Citizens Community Ban
Price$17.68
Change+$0.35 (+2.02%)
Volume$172
Capitalization167.6M
Old Second Ban
Price$19.49
Change+$0.56 (+2.96%)
Volume$700
Capitalization1B
CZWI vs OSBC Comparison Chart in %
CZWI
Daily Signal:
Gain/Loss:
OSBC
Daily Signal:
Gain/Loss:
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VS
CZWI vs. OSBC commentary
Dec 04, 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 CZWI is a StrongBuy and OSBC is a StrongBuy.

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COMPARISON
Comparison
Dec 04, 2025
Stock price -- (CZWI: $17.33 vs. OSBC: $18.93)
Brand notoriety: CZWI and OSBC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZWI: 31% vs. OSBC: 85%
Market capitalization -- CZWI: $167.6M vs. OSBC: $1B
CZWI [@Regional Banks] is valued at $167.6M. OSBC’s [@Regional Banks] market capitalization is $1B. The market cap for tickers in the [@Regional Banks] industry ranges from $172.49B to $0. The average market capitalization across the [@Regional Banks] industry is $8.26B.

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).

CZWI’s FA Score shows that 1 FA rating(s) are green whileOSBC’s FA Score has 3 green FA rating(s).

  • CZWI’s FA Score: 1 green, 4 red.
  • OSBC’s FA Score: 3 green, 2 red.
According to our system of comparison, both CZWI and OSBC are a good buy in the long-term.

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.

CZWI’s TA Score shows that 5 TA indicator(s) are bullish while OSBC’s TA Score has 6 bullish TA indicator(s).

  • CZWI’s TA Score: 5 bullish, 4 bearish.
  • OSBC’s TA Score: 6 bullish, 3 bearish.
According to our system of comparison, OSBC is a better buy in the short-term than CZWI.

Price Growth

CZWI (@Regional Banks) experienced а +0.76% price change this week, while OSBC (@Regional Banks) price change was -0.37% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +1.20%. For the same industry, the average monthly price growth was +4.47%, and the average quarterly price growth was +14.36%.

Reported Earning Dates

CZWI is expected to report earnings on Feb 02, 2026.

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

Industries' Descriptions

@Regional Banks (+1.20% 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
OSBC($1B) has a higher market cap than CZWI($168M). CZWI (13.43) and OSBC (12.79) have similar P/E ratio . CZWI YTD gains are higher at: 8.849 vs. OSBC (8.000). CZWI has less debt than OSBC: CZWI (61.7M) vs OSBC (85.3M). OSBC has higher revenues than CZWI: OSBC (287M) vs CZWI (57.9M).
CZWIOSBCCZWI / OSBC
Capitalization168M1B17%
EBITDAN/AN/A-
Gain YTD8.8498.000111%
P/E Ratio13.4312.79105%
Revenue57.9M287M20%
Total CashN/A63.5M-
Total Debt61.7M85.3M72%
FUNDAMENTALS RATINGS
CZWI vs OSBC: Fundamental Ratings
CZWI
OSBC
OUTLOOK RATING
1..100
3622
VALUATION
overvalued / fair valued / undervalued
1..100
50
Fair valued
59
Fair valued
PROFIT vs RISK RATING
1..100
3527
SMR RATING
1..100
6123
PRICE GROWTH RATING
1..100
4549
P/E GROWTH RATING
1..100
2519
SEASONALITY SCORE
1..100
3550

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.

CZWI's Valuation (50) in the Savings Banks industry is in the same range as OSBC (59) in the Regional Banks industry. This means that CZWI’s stock grew similarly to OSBC’s over the last 12 months.

OSBC's Profit vs Risk Rating (27) in the Regional Banks industry is in the same range as CZWI (35) in the Savings Banks industry. This means that OSBC’s stock grew similarly to CZWI’s over the last 12 months.

OSBC's SMR Rating (23) in the Regional Banks industry is somewhat better than the same rating for CZWI (61) in the Savings Banks industry. This means that OSBC’s stock grew somewhat faster than CZWI’s over the last 12 months.

CZWI's Price Growth Rating (45) in the Savings Banks industry is in the same range as OSBC (49) in the Regional Banks industry. This means that CZWI’s stock grew similarly to OSBC’s over the last 12 months.

OSBC's P/E Growth Rating (19) in the Regional Banks industry is in the same range as CZWI (25) in the Savings Banks industry. This means that OSBC’s stock grew similarly to CZWI’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZWIOSBC
RSI
ODDS (%)
Bearish Trend 2 days ago
50%
N/A
Stochastic
ODDS (%)
Bearish Trend 2 days ago
36%
Bearish Trend 2 days ago
60%
Momentum
ODDS (%)
Bullish Trend 2 days ago
52%
Bullish Trend 2 days ago
70%
MACD
ODDS (%)
N/A
Bullish Trend 2 days ago
70%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
58%
Bullish Trend 2 days ago
64%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
54%
Bullish Trend 2 days ago
60%
Advances
ODDS (%)
Bullish Trend 3 days ago
59%
Bullish Trend 8 days ago
66%
Declines
ODDS (%)
Bearish Trend 17 days ago
46%
Bearish Trend 21 days ago
57%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
48%
Bearish Trend 2 days ago
62%
Aroon
ODDS (%)
Bullish Trend 2 days ago
49%
Bullish Trend 2 days ago
48%
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CZWI
Daily Signal:
Gain/Loss:
OSBC
Daily Signal:
Gain/Loss:
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CZWI and

Correlation & Price change

A.I.dvisor indicates that over the last year, CZWI has been loosely correlated with SMBC. These tickers have moved in lockstep 65% of the time. This A.I.-generated data suggests there is some statistical probability that if CZWI jumps, then SMBC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZWI
1D Price
Change %
CZWI100%
-0.12%
SMBC - CZWI
65%
Loosely correlated
-0.42%
BY - CZWI
63%
Loosely correlated
+0.14%
SHBI - CZWI
63%
Loosely correlated
-0.74%
OSBC - CZWI
63%
Loosely correlated
-0.47%
TRST - CZWI
62%
Loosely correlated
+0.40%
More

OSBC and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OSBC
1D Price
Change %
OSBC100%
-0.47%
BY - OSBC
87%
Closely correlated
+0.14%
WSFS - OSBC
87%
Closely correlated
-1.39%
MBWM - OSBC
87%
Closely correlated
-0.19%
CATY - OSBC
86%
Closely correlated
-0.80%
HOPE - OSBC
86%
Closely correlated
-0.46%
More