BCML
Price
$32.78
Change
+$1.98 (+6.43%)
Updated
Dec 12 closing price
Capitalization
357.23M
38 days until earnings call
Intraday BUY SELL Signals
CZFS
Price
$61.20
Change
-$1.25 (-2.00%)
Updated
Dec 12 closing price
Capitalization
294.15M
38 days until earnings call
Intraday BUY SELL Signals
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BCML vs CZFS

Header iconBCML vs CZFS Comparison
Open Charts BCML vs CZFSBanner chart's image
BayCom
Price$32.78
Change+$1.98 (+6.43%)
Volume$39.57K
Capitalization357.23M
Citizens Financial Services
Price$61.20
Change-$1.25 (-2.00%)
Volume$12.43K
Capitalization294.15M
BCML vs CZFS Comparison Chart in %
BCML
Daily Signal:
Gain/Loss:
CZFS
Daily Signal:
Gain/Loss:
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VS
BCML vs. CZFS commentary
Dec 15, 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 BCML is a Buy and CZFS is a Buy.

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COMPARISON
Comparison
Dec 15, 2025
Stock price -- (BCML: $30.80 vs. CZFS: $62.45)
Brand notoriety: BCML and CZFS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: BCML: 258% vs. CZFS: 129%
Market capitalization -- BCML: $357.23M vs. CZFS: $294.15M
BCML [@Regional Banks] is valued at $357.23M. CZFS’s [@Regional Banks] market capitalization is $294.15M. The market cap for tickers in the [@Regional Banks] industry ranges from $171.57B to $0. The average market capitalization across the [@Regional Banks] industry is $8.41B.

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).

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

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

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.

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

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

Price Growth

BCML (@Regional Banks) experienced а +3.56% price change this week, while CZFS (@Regional Banks) price change was +9.33% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +2.16%. For the same industry, the average monthly price growth was +5.32%, and the average quarterly price growth was +17.66%.

Reported Earning Dates

BCML is expected to report earnings on Jan 22, 2026.

CZFS is expected to report earnings on Jan 22, 2026.

Industries' Descriptions

@Regional Banks (+2.16% 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
BCML($357M) has a higher market cap than CZFS($294M). BCML has higher P/E ratio than CZFS: BCML (15.61) vs CZFS (8.62). BCML YTD gains are higher at: 17.262 vs. CZFS (2.163). BCML has less debt than CZFS: BCML (23.2M) vs CZFS (280M). CZFS has higher revenues than BCML: CZFS (109M) vs BCML (98.7M).
BCMLCZFSBCML / CZFS
Capitalization357M294M121%
EBITDAN/AN/A-
Gain YTD17.2622.163798%
P/E Ratio15.618.62181%
Revenue98.7M109M91%
Total Cash21.8MN/A-
Total Debt23.2M280M8%
FUNDAMENTALS RATINGS
BCML vs CZFS: Fundamental Ratings
BCML
CZFS
OUTLOOK RATING
1..100
1220
VALUATION
overvalued / fair valued / undervalued
1..100
64
Fair valued
22
Undervalued
PROFIT vs RISK RATING
1..100
1658
SMR RATING
1..100
4944
PRICE GROWTH RATING
1..100
4652
P/E GROWTH RATING
1..100
4080
SEASONALITY SCORE
1..100
n/a50

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 (22) in the null industry is somewhat better than the same rating for BCML (64) in the Regional Banks industry. This means that CZFS’s stock grew somewhat faster than BCML’s over the last 12 months.

BCML's Profit vs Risk Rating (16) in the Regional Banks industry is somewhat better than the same rating for CZFS (58) in the null industry. This means that BCML’s stock grew somewhat faster than CZFS’s over the last 12 months.

CZFS's SMR Rating (44) in the null industry is in the same range as BCML (49) in the Regional Banks industry. This means that CZFS’s stock grew similarly to BCML’s over the last 12 months.

BCML's Price Growth Rating (46) in the Regional Banks industry is in the same range as CZFS (52) in the null industry. This means that BCML’s stock grew similarly to CZFS’s over the last 12 months.

BCML's P/E Growth Rating (40) in the Regional Banks industry is somewhat better than the same rating for CZFS (80) in the null industry. This means that BCML’s stock grew somewhat faster than CZFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BCMLCZFS
RSI
ODDS (%)
Bearish Trend 4 days ago
63%
Bearish Trend 4 days ago
49%
Stochastic
ODDS (%)
Bearish Trend 4 days ago
61%
Bearish Trend 4 days ago
38%
Momentum
ODDS (%)
Bullish Trend 4 days ago
66%
Bullish Trend 4 days ago
66%
MACD
ODDS (%)
Bullish Trend 7 days ago
61%
Bullish Trend 4 days ago
63%
TrendWeek
ODDS (%)
Bullish Trend 4 days ago
60%
Bullish Trend 4 days ago
62%
TrendMonth
ODDS (%)
Bullish Trend 4 days ago
57%
Bullish Trend 4 days ago
60%
Advances
ODDS (%)
Bullish Trend 12 days ago
55%
Bullish Trend 4 days ago
65%
Declines
ODDS (%)
Bearish Trend 10 days ago
48%
Bearish Trend 17 days ago
65%
BollingerBands
ODDS (%)
Bearish Trend 4 days ago
56%
Bearish Trend 4 days ago
40%
Aroon
ODDS (%)
Bullish Trend 4 days ago
64%
Bearish Trend 4 days ago
59%
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BCML
Daily Signal:
Gain/Loss:
CZFS
Daily Signal:
Gain/Loss:
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BCML and

Correlation & Price change

A.I.dvisor indicates that over the last year, BCML has been closely correlated with MCBS. These tickers have moved in lockstep 78% of the time. This A.I.-generated data suggests there is a high statistical probability that if BCML jumps, then MCBS could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To BCML
1D Price
Change %
BCML100%
-0.71%
MCBS - BCML
78%
Closely correlated
+1.06%
GSBC - BCML
77%
Closely correlated
+0.85%
FCBC - BCML
77%
Closely correlated
+1.51%
HBT - BCML
76%
Closely correlated
+1.19%
HTB - BCML
76%
Closely correlated
+2.33%
More

CZFS and

Correlation & Price change

A.I.dvisor indicates that over the last year, CZFS has been loosely correlated with MCBS. These tickers have moved in lockstep 66% of the time. This A.I.-generated data suggests there is some statistical probability that if CZFS jumps, then MCBS could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZFS
1D Price
Change %
CZFS100%
+1.38%
MCBS - CZFS
66%
Loosely correlated
+1.06%
PFIS - CZFS
66%
Loosely correlated
+1.08%
HBCP - CZFS
65%
Loosely correlated
-0.07%
BCML - CZFS
64%
Loosely correlated
-0.71%
FRME - CZFS
63%
Loosely correlated
+0.52%
More