AROW
Price
$29.30
Change
-$0.46 (-1.55%)
Updated
Sep 5 closing price
Capitalization
482.54M
51 days until earnings call
CZFS
Price
$61.41
Change
-$0.40 (-0.65%)
Updated
Sep 5 closing price
Capitalization
295.22M
50 days until earnings call
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AROW vs CZFS

Header iconAROW vs CZFS Comparison
Open Charts AROW vs CZFSBanner chart's image
Arrow Financial
Price$29.30
Change-$0.46 (-1.55%)
Volume$34.66K
Capitalization482.54M
Citizens Financial Services
Price$61.41
Change-$0.40 (-0.65%)
Volume$3.15K
Capitalization295.22M
AROW vs CZFS Comparison Chart in %
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AROW
Daily Signalchanged days ago
Gain/Loss if bought
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CZFS
Daily Signalchanged days ago
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AROW vs. CZFS commentary
Sep 07, 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 AROW is a Hold and CZFS is a Buy.

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COMPARISON
Comparison
Sep 07, 2025
Stock price -- (AROW: $29.30 vs. CZFS: $61.41)
Brand notoriety: AROW and CZFS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: AROW: 87% vs. CZFS: 31%
Market capitalization -- AROW: $482.54M vs. CZFS: $295.22M
AROW [@Regional Banks] is valued at $482.54M. CZFS’s [@Regional Banks] market capitalization is $295.22M. 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 $7.75B.

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).

AROW’s FA Score shows that 0 FA rating(s) are green whileCZFS’s FA Score has 1 green FA rating(s).

  • AROW’s FA Score: 0 green, 5 red.
  • CZFS’s FA Score: 1 green, 4 red.
According to our system of comparison, CZFS is a better buy in the long-term than AROW.

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.

AROW’s TA Score shows that 6 TA indicator(s) are bullish while CZFS’s TA Score has 7 bullish TA indicator(s).

  • AROW’s TA Score: 6 bullish, 4 bearish.
  • CZFS’s TA Score: 7 bullish, 2 bearish.
According to our system of comparison, CZFS is a better buy in the short-term than AROW.

Price Growth

AROW (@Regional Banks) experienced а -1.45% price change this week, while CZFS (@Regional Banks) price change was +2.42% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.38%. For the same industry, the average monthly price growth was +4.97%, and the average quarterly price growth was +13.09%.

Reported Earning Dates

AROW is expected to report earnings on Oct 28, 2025.

CZFS is expected to report earnings on Oct 27, 2025.

Industries' Descriptions

@Regional Banks (+0.38% 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
AROW($483M) has a higher market cap than CZFS($295M). AROW has higher P/E ratio than CZFS: AROW (16.01) vs CZFS (9.33). AROW YTD gains are higher at: 5.333 vs. CZFS (-0.323). AROW has less debt than CZFS: AROW (33.6M) vs CZFS (313M).
AROWCZFSAROW / CZFS
Capitalization483M295M164%
EBITDAN/AN/A-
Gain YTD5.333-0.323-1,649%
P/E Ratio16.019.33172%
RevenueN/A105M-
Total Cash41MN/A-
Total Debt33.6M313M11%
FUNDAMENTALS RATINGS
AROW vs CZFS: Fundamental Ratings
AROW
CZFS
OUTLOOK RATING
1..100
6725
VALUATION
overvalued / fair valued / undervalued
1..100
56
Fair valued
27
Undervalued
PROFIT vs RISK RATING
1..100
6466
SMR RATING
1..100
4344
PRICE GROWTH RATING
1..100
4747
P/E GROWTH RATING
1..100
4341
SEASONALITY SCORE
1..100
750

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.

CZFS's Valuation (27) in the null industry is in the same range as AROW (56) in the Regional Banks industry. This means that CZFS’s stock grew similarly to AROW’s over the last 12 months.

AROW's Profit vs Risk Rating (64) in the Regional Banks industry is in the same range as CZFS (66) in the null industry. This means that AROW’s stock grew similarly to CZFS’s over the last 12 months.

AROW's SMR Rating (43) in the Regional Banks industry is in the same range as CZFS (44) in the null industry. This means that AROW’s stock grew similarly to CZFS’s over the last 12 months.

AROW's Price Growth Rating (47) in the Regional Banks industry is in the same range as CZFS (47) in the null industry. This means that AROW’s stock grew similarly to CZFS’s over the last 12 months.

CZFS's P/E Growth Rating (41) in the null industry is in the same range as AROW (43) in the Regional Banks industry. This means that CZFS’s stock grew similarly to AROW’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
AROWCZFS
RSI
ODDS (%)
Bearish Trend 3 days ago
58%
Bullish Trend 3 days ago
64%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
63%
Bearish Trend 3 days ago
40%
Momentum
ODDS (%)
Bullish Trend 3 days ago
55%
Bullish Trend 3 days ago
68%
MACD
ODDS (%)
Bullish Trend 3 days ago
54%
Bullish Trend 3 days ago
64%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
59%
Bullish Trend 3 days ago
63%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
63%
Bullish Trend 3 days ago
62%
Advances
ODDS (%)
Bullish Trend 19 days ago
59%
Bullish Trend 4 days ago
65%
Declines
ODDS (%)
Bearish Trend 5 days ago
55%
Bearish Trend 6 days ago
66%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
49%
N/A
Aroon
ODDS (%)
Bullish Trend 3 days ago
58%
Bullish Trend 3 days ago
58%
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AROW
Daily Signalchanged days ago
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CZFS
Daily Signalchanged days ago
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AROW and

Correlation & Price change

A.I.dvisor indicates that over the last year, AROW has been closely correlated with TCBK. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if AROW jumps, then TCBK could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To AROW
1D Price
Change %
AROW100%
-1.55%
TCBK - AROW
88%
Closely correlated
-1.14%
FMBH - AROW
88%
Closely correlated
-1.28%
STBA - AROW
88%
Closely correlated
-0.93%
CTBI - AROW
87%
Closely correlated
-0.80%
MCBS - AROW
87%
Closely correlated
-1.50%
More

CZFS and

Correlation & Price change

A.I.dvisor indicates that over the last year, CZFS has been closely correlated with PFIS. These tickers have moved in lockstep 70% of the time. This A.I.-generated data suggests there is a high statistical probability that if CZFS jumps, then PFIS could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZFS
1D Price
Change %
CZFS100%
-0.65%
PFIS - CZFS
70%
Closely correlated
-1.18%
MCBS - CZFS
70%
Closely correlated
-1.50%
BFC - CZFS
69%
Closely correlated
-1.01%
AROW - CZFS
68%
Closely correlated
-1.55%
SMBC - CZFS
67%
Closely correlated
-1.32%
More