CFR
Price
$126.95
Change
+$3.88 (+3.15%)
Updated
Dec 3 closing price
Capitalization
8.12B
49 days until earnings call
Intraday BUY SELL Signals
CIZN
Price
$7.78
Change
+$0.02 (+0.26%)
Updated
Dec 3 closing price
Capitalization
43.99M
Intraday BUY SELL Signals
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CFR vs CIZN

Header iconCFR vs CIZN Comparison
Open Charts CFR vs CIZNBanner chart's image
Cullen/Frost Bankers
Price$126.95
Change+$3.88 (+3.15%)
Volume$440.36K
Capitalization8.12B
Citizens Holding
Price$7.78
Change+$0.02 (+0.26%)
Volume$3.01K
Capitalization43.99M
CFR vs CIZN Comparison Chart in %
CFR
Daily Signal:
Gain/Loss:
CIZN
Daily Signal:
Gain/Loss:
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VS
CFR vs. CIZN commentary
Dec 04, 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 CFR is a StrongBuy and CIZN is a Hold.

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COMPARISON
Comparison
Dec 04, 2025
Stock price -- (CFR: $123.02 vs. CIZN: $7.40)
Brand notoriety: CFR and CIZN are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CFR: 31% vs. CIZN: 34%
Market capitalization -- CFR: $8.12B vs. CIZN: $43.99M
CFR [@Regional Banks] is valued at $8.12B. CIZN’s [@Regional Banks] market capitalization is $43.99M. The market cap for tickers in the [@Regional Banks] industry ranges from $171.16B to $0. The average market capitalization across the [@Regional Banks] industry is $8.26B.

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).

CFR’s FA Score shows that 1 FA rating(s) are green whileCIZN’s FA Score has 0 green FA rating(s).

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

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.

CFR’s TA Score shows that 4 TA indicator(s) are bullish while CIZN’s TA Score has 4 bullish TA indicator(s).

  • CFR’s TA Score: 4 bullish, 3 bearish.
  • CIZN’s TA Score: 4 bullish, 3 bearish.
According to our system of comparison, CFR is a better buy in the short-term than CIZN.

Price Growth

CFR (@Regional Banks) experienced а -1.80% price change this week, while CIZN (@Regional Banks) price change was +5.70% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.92%. For the same industry, the average monthly price growth was +4.06%, and the average quarterly price growth was +13.89%.

Reported Earning Dates

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

Industries' Descriptions

@Regional Banks (+0.92% 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
CFR($8.12B) has a higher market cap than CIZN($44M). CIZN has higher P/E ratio than CFR: CIZN (23.58) vs CFR (13.06). CFR YTD gains are higher at: -6.286 vs. CIZN (-17.950). CFR has more cash in the bank: 759M vs. CIZN (14.6M). CIZN has less debt than CFR: CIZN (18M) vs CFR (223M). CFR has higher revenues than CIZN: CFR (2.14B) vs CIZN (37.7M).
CFRCIZNCFR / CIZN
Capitalization8.12B44M18,448%
EBITDAN/AN/A-
Gain YTD-6.286-17.95035%
P/E Ratio13.0623.5855%
Revenue2.14B37.7M5,679%
Total Cash759M14.6M5,199%
Total Debt223M18M1,239%
FUNDAMENTALS RATINGS
CFR vs CIZN: Fundamental Ratings
CFR
CIZN
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
86
Overvalued
75
Overvalued
PROFIT vs RISK RATING
1..100
48100
SMR RATING
1..100
1177
PRICE GROWTH RATING
1..100
5960
P/E GROWTH RATING
1..100
7670
SEASONALITY SCORE
1..100
50n/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.

CIZN's Valuation (75) in the Savings Banks industry is in the same range as CFR (86) in the Regional Banks industry. This means that CIZN’s stock grew similarly to CFR’s over the last 12 months.

CFR's Profit vs Risk Rating (48) in the Regional Banks industry is somewhat better than the same rating for CIZN (100) in the Savings Banks industry. This means that CFR’s stock grew somewhat faster than CIZN’s over the last 12 months.

CFR's SMR Rating (11) in the Regional Banks industry is significantly better than the same rating for CIZN (77) in the Savings Banks industry. This means that CFR’s stock grew significantly faster than CIZN’s over the last 12 months.

CFR's Price Growth Rating (59) in the Regional Banks industry is in the same range as CIZN (60) in the Savings Banks industry. This means that CFR’s stock grew similarly to CIZN’s over the last 12 months.

CIZN's P/E Growth Rating (70) in the Savings Banks industry is in the same range as CFR (76) in the Regional Banks industry. This means that CIZN’s stock grew similarly to CFR’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CFRCIZN
RSI
ODDS (%)
N/A
N/A
Stochastic
ODDS (%)
Bearish Trend 7 days ago
58%
Bearish Trend 7 days ago
52%
Momentum
ODDS (%)
Bullish Trend 7 days ago
64%
Bullish Trend 7 days ago
37%
MACD
ODDS (%)
Bullish Trend 7 days ago
62%
N/A
TrendWeek
ODDS (%)
Bullish Trend 7 days ago
65%
Bullish Trend 7 days ago
34%
TrendMonth
ODDS (%)
Bullish Trend 7 days ago
65%
Bullish Trend 7 days ago
36%
Advances
ODDS (%)
Bullish Trend 16 days ago
64%
Bullish Trend 11 days ago
38%
Declines
ODDS (%)
Bearish Trend 7 days ago
57%
Bearish Trend 28 days ago
49%
BollingerBands
ODDS (%)
Bullish Trend 7 days ago
64%
Bearish Trend 7 days ago
48%
Aroon
ODDS (%)
N/A
N/A
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CFR
Daily Signal:
Gain/Loss:
CIZN
Daily Signal:
Gain/Loss:
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CFR and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CFR
1D Price
Change %
CFR100%
-1.33%
FNB - CFR
88%
Closely correlated
-0.48%
ASB - CFR
87%
Closely correlated
-1.66%
FITB - CFR
86%
Closely correlated
-0.10%
WTFC - CFR
86%
Closely correlated
-0.66%
HOMB - CFR
86%
Closely correlated
-1.24%
More

CIZN and

Correlation & Price change

A.I.dvisor tells us that CIZN and AFBI have been poorly correlated (+29% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that CIZN and AFBI's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CIZN
1D Price
Change %
CIZN100%
N/A
AFBI - CIZN
29%
Poorly correlated
+1.50%
FITBI - CIZN
27%
Poorly correlated
+0.23%
HBANM - CIZN
24%
Poorly correlated
-0.45%
FITBP - CIZN
23%
Poorly correlated
+0.36%
CFR - CIZN
23%
Poorly correlated
-1.33%
More