BY
Price
$27.30
Change
-$0.20 (-0.73%)
Updated
Nov 13 closing price
Capitalization
1.25B
69 days until earnings call
Intraday BUY SELL Signals
CZWI
Price
$16.90
Change
+$0.39 (+2.36%)
Updated
Nov 13 closing price
Capitalization
163.15M
80 days until earnings call
Intraday BUY SELL Signals
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BY vs CZWI

Header iconBY vs CZWI Comparison
Open Charts BY vs CZWIBanner chart's image
Byline Ban
Price$27.30
Change-$0.20 (-0.73%)
Volume$173.8K
Capitalization1.25B
Citizens Community Ban
Price$16.90
Change+$0.39 (+2.36%)
Volume$79.57K
Capitalization163.15M
BY vs CZWI Comparison Chart in %
BY
Daily Signal:
Gain/Loss:
CZWI
Daily Signal:
Gain/Loss:
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VS
BY vs. CZWI commentary
Nov 14, 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 BY is a StrongBuy and CZWI is a StrongBuy.

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COMPARISON
Comparison
Nov 14, 2025
Stock price -- (BY: $27.30 vs. CZWI: $16.90)
Brand notoriety: BY and CZWI are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: BY: 82% vs. CZWI: 259%
Market capitalization -- BY: $1.25B vs. CZWI: $163.15M
BY [@Regional Banks] is valued at $1.25B. CZWI’s [@Regional Banks] market capitalization is $163.15M. The market cap for tickers in the [@Regional Banks] industry ranges from $171.25B to $0. The average market capitalization across the [@Regional Banks] industry is $8.19B.

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).

BY’s FA Score shows that 1 FA rating(s) are green whileCZWI’s FA Score has 1 green FA rating(s).

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

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.

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

  • BY’s TA Score: 5 bullish, 4 bearish.
  • CZWI’s TA Score: 5 bullish, 5 bearish.
According to our system of comparison, both BY and CZWI are a good buy in the short-term.

Price Growth

BY (@Regional Banks) experienced а +0.89% price change this week, while CZWI (@Regional Banks) price change was +4.32% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.58%. For the same industry, the average monthly price growth was +1.76%, and the average quarterly price growth was +11.14%.

Reported Earning Dates

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

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

Industries' Descriptions

@Regional Banks (+0.58% 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
BY($1.25B) has a higher market cap than CZWI($163M). CZWI has higher P/E ratio than BY: CZWI (13.09) vs BY (9.75). CZWI YTD gains are higher at: 6.148 vs. BY (-4.446). CZWI has less debt than BY: CZWI (61.7M) vs BY (525M). BY has higher revenues than CZWI: BY (416M) vs CZWI (57.9M).
BYCZWIBY / CZWI
Capitalization1.25B163M767%
EBITDAN/AN/A-
Gain YTD-4.4466.148-72%
P/E Ratio9.7513.0974%
Revenue416M57.9M718%
Total Cash75.1MN/A-
Total Debt525M61.7M851%
FUNDAMENTALS RATINGS
BY vs CZWI: Fundamental Ratings
BY
CZWI
OUTLOOK RATING
1..100
1232
VALUATION
overvalued / fair valued / undervalued
1..100
42
Fair valued
50
Fair valued
PROFIT vs RISK RATING
1..100
3535
SMR RATING
1..100
1961
PRICE GROWTH RATING
1..100
5749
P/E GROWTH RATING
1..100
6121
SEASONALITY SCORE
1..100
5045

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.

BY's Valuation (42) in the Regional Banks industry is in the same range as CZWI (50) in the Savings Banks industry. This means that BY’s stock grew similarly to CZWI’s over the last 12 months.

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

BY's SMR Rating (19) in the Regional Banks industry is somewhat better than the same rating for CZWI (61) in the Savings Banks industry. This means that BY’s stock grew somewhat faster than CZWI’s over the last 12 months.

CZWI's Price Growth Rating (49) in the Savings Banks industry is in the same range as BY (57) in the Regional Banks industry. This means that CZWI’s stock grew similarly to BY’s over the last 12 months.

CZWI's P/E Growth Rating (21) in the Savings Banks industry is somewhat better than the same rating for BY (61) in the Regional Banks industry. This means that CZWI’s stock grew somewhat faster than BY’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BYCZWI
RSI
ODDS (%)
Bullish Trend 3 days ago
59%
Bearish Trend 2 days ago
52%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
62%
Bearish Trend 2 days ago
48%
Momentum
ODDS (%)
Bullish Trend 2 days ago
67%
Bullish Trend 2 days ago
50%
MACD
ODDS (%)
Bullish Trend 2 days ago
68%
Bullish Trend 2 days ago
55%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
60%
Bullish Trend 2 days ago
58%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
57%
Bullish Trend 2 days ago
54%
Advances
ODDS (%)
Bullish Trend 3 days ago
58%
Bullish Trend 2 days ago
60%
Declines
ODDS (%)
Bearish Trend 30 days ago
59%
Bearish Trend 8 days ago
45%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
62%
Bearish Trend 2 days ago
40%
Aroon
ODDS (%)
Bearish Trend 2 days ago
51%
Bearish Trend 2 days ago
45%
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BY
Daily Signal:
Gain/Loss:
CZWI
Daily Signal:
Gain/Loss:
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BY and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To BY
1D Price
Change %
BY100%
-0.73%
FBK - BY
88%
Closely correlated
-1.03%
EFSC - BY
88%
Closely correlated
-0.13%
WSFS - BY
88%
Closely correlated
-0.62%
HOPE - BY
88%
Closely correlated
-0.86%
OSBC - BY
87%
Closely correlated
-0.22%
More

CZWI and

Correlation & Price change

A.I.dvisor indicates that over the last year, CZWI has been loosely correlated with BY. These tickers have moved in lockstep 60% of the time. This A.I.-generated data suggests there is some statistical probability that if CZWI jumps, then BY could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZWI
1D Price
Change %
CZWI100%
+2.36%
BY - CZWI
60%
Loosely correlated
-0.73%
SMBC - CZWI
60%
Loosely correlated
+0.22%
OSBC - CZWI
60%
Loosely correlated
-0.22%
FCCO - CZWI
60%
Loosely correlated
+0.91%
THFF - CZWI
60%
Loosely correlated
-0.94%
More