BCML
Price
$29.47
Change
-$0.05 (-0.17%)
Updated
Sep 26 closing price
Capitalization
321.92M
18 days until earnings call
CZFS
Price
$61.49
Change
+$0.16 (+0.26%)
Updated
Sep 26 closing price
Capitalization
295.6M
29 days until earnings call
Interact to see
Advertisement

BCML vs CZFS

Header iconBCML vs CZFS Comparison
Open Charts BCML vs CZFSBanner chart's image
BayCom
Price$29.47
Change-$0.05 (-0.17%)
Volume$11.22K
Capitalization321.92M
Citizens Financial Services
Price$61.49
Change+$0.16 (+0.26%)
Volume$6.34K
Capitalization295.6M
BCML vs CZFS Comparison Chart in %
Loading...
BCML
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
CZFS
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
View a ticker or compare two or three
VS
BCML vs. CZFS commentary
Sep 29, 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 StrongBuy.

Interact to see
Advertisement
COMPARISON
Comparison
Sep 29, 2025
Stock price -- (BCML: $29.47 vs. CZFS: $61.49)
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: 62% vs. CZFS: 71%
Market capitalization -- BCML: $321.92M vs. CZFS: $295.6M
BCML [@Regional Banks] is valued at $321.92M. CZFS’s [@Regional Banks] market capitalization is $295.6M. The market cap for tickers in the [@Regional Banks] industry ranges from $163.52B to $0. The average market capitalization across the [@Regional Banks] industry is $7.83B.

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

  • BCML’s FA Score: 2 green, 3 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 2 TA indicator(s) are bullish while CZFS’s TA Score has 5 bullish TA indicator(s).

  • BCML’s TA Score: 2 bullish, 6 bearish.
  • CZFS’s TA Score: 5 bullish, 6 bearish.
According to our system of comparison, CZFS is a better buy in the short-term than BCML.

Price Growth

BCML (@Regional Banks) experienced а -0.94% price change this week, while CZFS (@Regional Banks) price change was -2.81% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.08%. For the same industry, the average monthly price growth was +1.32%, and the average quarterly price growth was +13.92%.

Reported Earning Dates

BCML is expected to report earnings on Oct 16, 2025.

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

Industries' Descriptions

@Regional Banks (+0.08% 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
Loading...
FUNDAMENTALS
Fundamentals
BCML($322M) has a higher market cap than CZFS($296M). BCML has higher P/E ratio than CZFS: BCML (13.52) vs CZFS (9.34). BCML YTD gains are higher at: 12.199 vs. CZFS (0.592). BCML has less debt than CZFS: BCML (86.6M) vs CZFS (313M).
BCMLCZFSBCML / CZFS
Capitalization322M296M109%
EBITDAN/AN/A-
Gain YTD12.1990.5922,060%
P/E Ratio13.529.34145%
RevenueN/AN/A-
Total Cash21.8MN/A-
Total Debt86.6M313M28%
FUNDAMENTALS RATINGS
BCML vs CZFS: Fundamental Ratings
BCML
CZFS
OUTLOOK RATING
1..100
1275
VALUATION
overvalued / fair valued / undervalued
1..100
62
Fair valued
27
Undervalued
PROFIT vs RISK RATING
1..100
1665
SMR RATING
1..100
5044
PRICE GROWTH RATING
1..100
5052
P/E GROWTH RATING
1..100
2745
SEASONALITY SCORE
1..100
42n/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.

CZFS's Valuation (27) in the null industry is somewhat better than the same rating for BCML (62) 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 (65) 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 (50) 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 (50) 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 (27) in the Regional Banks industry is in the same range as CZFS (45) in the null industry. This means that BCML’s stock grew similarly to CZFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BCMLCZFS
RSI
ODDS (%)
Bearish Trend 3 days ago
40%
Bearish Trend 3 days ago
38%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
57%
Bearish Trend 3 days ago
45%
Momentum
ODDS (%)
Bearish Trend 3 days ago
45%
Bearish Trend 3 days ago
43%
MACD
ODDS (%)
Bearish Trend 3 days ago
57%
Bearish Trend 3 days ago
47%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
49%
Bearish Trend 3 days ago
52%
TrendMonth
ODDS (%)
Bearish Trend 3 days ago
50%
Bullish Trend 3 days ago
62%
Advances
ODDS (%)
Bullish Trend 5 days ago
57%
Bullish Trend 3 days ago
66%
Declines
ODDS (%)
Bearish Trend 3 days ago
48%
Bearish Trend 7 days ago
65%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
28%
Bearish Trend 3 days ago
44%
Aroon
ODDS (%)
Bullish Trend 3 days ago
58%
Bullish Trend 3 days ago
55%
View a ticker or compare two or three
Interact to see
Advertisement
BCML
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
CZFS
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
Interesting Tickers
1D
1W
1M
1Q
6M
1Y
5Y
1 Day
STOCK / NAMEPrice $Chg $Chg %
GLCNF4.540.12
+2.71%
Glencore Plc
HELFY2.090.01
+0.48%
Hellofresh SE
QTEYF0.25N/A
N/A
Questerre Energy Corp.
FNFI8.75N/A
N/A
First Niles Financial, Inc.
BCUCY9.76-0.38
-3.75%
Brunello Cucinelli S P A

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%
-0.17%
MCBS - BCML
78%
Closely correlated
-0.38%
FRBA - BCML
77%
Closely correlated
+0.12%
GSBC - BCML
76%
Closely correlated
+0.68%
HBT - BCML
76%
Closely correlated
+0.31%
FCBC - BCML
76%
Closely correlated
-0.45%
More

CZFS and

Correlation & Price change

A.I.dvisor indicates that over the last year, CZFS has been closely correlated with MCBS. These tickers have moved in lockstep 72% of the time. This A.I.-generated data suggests there is a high 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%
+0.26%
MCBS - CZFS
72%
Closely correlated
-0.38%
BFC - CZFS
71%
Closely correlated
+0.20%
PFIS - CZFS
70%
Closely correlated
-0.51%
SMBC - CZFS
70%
Closely correlated
-0.35%
BCML - CZFS
69%
Closely correlated
-0.17%
More