BHB
Price
$32.46
Change
-$0.44 (-1.34%)
Updated
Jan 16, 11:02 AM (EDT)
Capitalization
549.05M
6 days until earnings call
Intraday BUY SELL Signals
CZFS
Price
$63.30
Change
+$0.55 (+0.88%)
Updated
Jan 16, 11:06 AM (EDT)
Capitalization
301.6M
6 days until earnings call
Intraday BUY SELL Signals
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BHB vs CZFS

Header iconBHB vs CZFS Comparison
Open Charts BHB vs CZFSBanner chart's image
Bar Harbor Bankshares
Price$32.46
Change-$0.44 (-1.34%)
Volume$1.37K
Capitalization549.05M
Citizens Financial Services
Price$63.30
Change+$0.55 (+0.88%)
Volume$568
Capitalization301.6M
BHB vs CZFS Comparison Chart in %
BHB
Daily Signal:
Gain/Loss:
CZFS
Daily Signal:
Gain/Loss:
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VS
BHB vs. CZFS commentary
Jan 16, 2026

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 BHB is a Hold and CZFS is a Hold.

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COMPARISON
Comparison
Jan 16, 2026
Stock price -- (BHB: $32.90 vs. CZFS: $62.75)
Brand notoriety: BHB and CZFS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: BHB: 122% vs. CZFS: 129%
Market capitalization -- BHB: $549.05M vs. CZFS: $301.6M
BHB [@Regional Banks] is valued at $549.05M. CZFS’s [@Regional Banks] market capitalization is $301.6M. The market cap for tickers in the [@Regional Banks] industry ranges from $157.87B to $0. The average market capitalization across the [@Regional Banks] industry is $8.85B.

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).

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

  • BHB’s FA Score: 1 green, 4 red.
  • CZFS’s FA Score: 1 green, 4 red.
According to our system of comparison, BHB 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.

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

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

Price Growth

BHB (@Regional Banks) experienced а +2.88% price change this week, while CZFS (@Regional Banks) price change was +6.28% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.97%. For the same industry, the average monthly price growth was +1.67%, and the average quarterly price growth was +14.64%.

Reported Earning Dates

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

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

Industries' Descriptions

@Regional Banks (+0.97% 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
BHB($549M) has a higher market cap than CZFS($302M). BHB has higher P/E ratio than CZFS: BHB (14.24) vs CZFS (8.84). CZFS YTD gains are higher at: 10.049 vs. BHB (5.958). BHB has less debt than CZFS: BHB (185M) vs CZFS (280M). BHB has higher revenues than CZFS: BHB (157M) vs CZFS (109M).
BHBCZFSBHB / CZFS
Capitalization549M302M182%
EBITDAN/AN/A-
Gain YTD5.95810.04959%
P/E Ratio14.248.84161%
Revenue157M109M144%
Total Cash33.8MN/A-
Total Debt185M280M66%
FUNDAMENTALS RATINGS
BHB vs CZFS: Fundamental Ratings
BHB
CZFS
OUTLOOK RATING
1..100
7413
VALUATION
overvalued / fair valued / undervalued
1..100
50
Fair valued
21
Undervalued
PROFIT vs RISK RATING
1..100
4060
SMR RATING
1..100
4343
PRICE GROWTH RATING
1..100
5551
P/E GROWTH RATING
1..100
2675
SEASONALITY SCORE
1..100
5050

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 (21) in the null industry is in the same range as BHB (50) in the Regional Banks industry. This means that CZFS’s stock grew similarly to BHB’s over the last 12 months.

BHB's Profit vs Risk Rating (40) in the Regional Banks industry is in the same range as CZFS (60) in the null industry. This means that BHB’s stock grew similarly to CZFS’s over the last 12 months.

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

CZFS's Price Growth Rating (51) in the null industry is in the same range as BHB (55) in the Regional Banks industry. This means that CZFS’s stock grew similarly to BHB’s over the last 12 months.

BHB's P/E Growth Rating (26) in the Regional Banks industry is somewhat better than the same rating for CZFS (75) in the null industry. This means that BHB’s stock grew somewhat faster than CZFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BHBCZFS
RSI
ODDS (%)
Bearish Trend 2 days ago
63%
Bearish Trend 2 days ago
51%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
65%
Bearish Trend 2 days ago
44%
Momentum
ODDS (%)
Bullish Trend 2 days ago
66%
Bullish Trend 2 days ago
78%
MACD
ODDS (%)
Bearish Trend 2 days ago
67%
Bullish Trend 2 days ago
65%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
62%
Bullish Trend 2 days ago
63%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
61%
Bullish Trend 2 days ago
62%
Advances
ODDS (%)
Bullish Trend 2 days ago
57%
Bullish Trend 2 days ago
66%
Declines
ODDS (%)
Bearish Trend 4 days ago
59%
Bearish Trend 18 days ago
64%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
80%
Bearish Trend 2 days ago
47%
Aroon
ODDS (%)
Bullish Trend 2 days ago
56%
Bullish Trend 2 days ago
60%
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BHB
Daily Signal:
Gain/Loss:
CZFS
Daily Signal:
Gain/Loss:
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BHB and

Correlation & Price change

A.I.dvisor indicates that over the last year, BHB has been closely correlated with PEBO. These tickers have moved in lockstep 81% of the time. This A.I.-generated data suggests there is a high statistical probability that if BHB jumps, then PEBO could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To BHB
1D Price
Change %
BHB100%
+3.79%
PEBO - BHB
81%
Closely correlated
+2.30%
PFIS - BHB
80%
Closely correlated
+1.02%
BY - BHB
80%
Closely correlated
+2.04%
GSBC - BHB
79%
Closely correlated
+2.00%
BUSE - BHB
79%
Closely correlated
+2.73%
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 65% 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%
+2.55%
MCBS - CZFS
65%
Loosely correlated
+1.91%
PFIS - CZFS
64%
Loosely correlated
+1.02%
HBCP - CZFS
62%
Loosely correlated
+2.55%
STEL - CZFS
61%
Loosely correlated
+1.90%
BHB - CZFS
61%
Loosely correlated
+3.79%
More