CTBI
Price
$54.16
Change
-$0.09 (-0.17%)
Updated
Nov 13 closing price
Capitalization
981.15M
68 days until earnings call
Intraday BUY SELL Signals
CZFS
Price
$57.01
Change
+$0.91 (+1.62%)
Updated
Nov 13 closing price
Capitalization
275.84M
69 days until earnings call
Intraday BUY SELL Signals
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CTBI vs CZFS

Header iconCTBI vs CZFS Comparison
Open Charts CTBI vs CZFSBanner chart's image
Community Trust Ban
Price$54.16
Change-$0.09 (-0.17%)
Volume$38.74K
Capitalization981.15M
Citizens Financial Services
Price$57.01
Change+$0.91 (+1.62%)
Volume$13.49K
Capitalization275.84M
CTBI vs CZFS Comparison Chart in %
CTBI
Daily Signal:
Gain/Loss:
CZFS
Daily Signal:
Gain/Loss:
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VS
CTBI vs. CZFS 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 CTBI is a StrongBuy and CZFS is a Hold.

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COMPARISON
Comparison
Nov 14, 2025
Stock price -- (CTBI: $54.25 vs. CZFS: $56.10)
Brand notoriety: CTBI and CZFS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CTBI: 69% vs. CZFS: 97%
Market capitalization -- CTBI: $981.15M vs. CZFS: $275.84M
CTBI [@Regional Banks] is valued at $981.15M. CZFS’s [@Regional Banks] market capitalization is $275.84M. 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 $8.16B.

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).

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

  • CTBI’s FA Score: 2 green, 3 red.
  • CZFS’s FA Score: 1 green, 4 red.
According to our system of comparison, CTBI 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.

CTBI’s TA Score shows that 4 TA indicator(s) are bullish while CZFS’s TA Score has 4 bullish TA indicator(s).

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

Price Growth

CTBI (@Regional Banks) experienced а +2.90% price change this week, while CZFS (@Regional Banks) price change was -0.51% 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 +1.50%, and the average quarterly price growth was +11.21%.

Reported Earning Dates

CTBI is expected to report earnings on Jan 21, 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
CTBI($981M) has a higher market cap than CZFS($276M). CTBI has higher P/E ratio than CZFS: CTBI (10.48) vs CZFS (8.08). CTBI YTD gains are higher at: 5.174 vs. CZFS (-8.226). CTBI has less debt than CZFS: CTBI (80.3M) vs CZFS (313M). CTBI has higher revenues than CZFS: CTBI (265M) vs CZFS (105M).
CTBICZFSCTBI / CZFS
Capitalization981M276M355%
EBITDAN/AN/A-
Gain YTD5.174-8.226-63%
P/E Ratio10.488.08130%
Revenue265M105M252%
Total Cash76.6MN/A-
Total Debt80.3M313M26%
FUNDAMENTALS RATINGS
CTBI vs CZFS: Fundamental Ratings
CTBI
CZFS
OUTLOOK RATING
1..100
1115
VALUATION
overvalued / fair valued / undervalued
1..100
34
Fair valued
19
Undervalued
PROFIT vs RISK RATING
1..100
2163
SMR RATING
1..100
2743
PRICE GROWTH RATING
1..100
5858
P/E GROWTH RATING
1..100
7285
SEASONALITY SCORE
1..100
5085

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 (19) in the null industry is in the same range as CTBI (34) in the Regional Banks industry. This means that CZFS’s stock grew similarly to CTBI’s over the last 12 months.

CTBI's Profit vs Risk Rating (21) in the Regional Banks industry is somewhat better than the same rating for CZFS (63) in the null industry. This means that CTBI’s stock grew somewhat faster than CZFS’s over the last 12 months.

CTBI's SMR Rating (27) in the Regional Banks industry is in the same range as CZFS (43) in the null industry. This means that CTBI’s stock grew similarly to CZFS’s over the last 12 months.

CTBI's Price Growth Rating (58) in the Regional Banks industry is in the same range as CZFS (58) in the null industry. This means that CTBI’s stock grew similarly to CZFS’s over the last 12 months.

CTBI's P/E Growth Rating (72) in the Regional Banks industry is in the same range as CZFS (85) in the null industry. This means that CTBI’s stock grew similarly to CZFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CTBICZFS
RSI
ODDS (%)
N/A
Bullish Trend 2 days ago
67%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
54%
Bearish Trend 2 days ago
38%
Momentum
ODDS (%)
Bullish Trend 2 days ago
57%
Bullish Trend 2 days ago
66%
MACD
ODDS (%)
Bullish Trend 2 days ago
65%
Bullish Trend 2 days ago
63%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
54%
Bearish Trend 2 days ago
54%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
49%
Bullish Trend 2 days ago
60%
Advances
ODDS (%)
Bullish Trend 2 days ago
51%
Bullish Trend 9 days ago
66%
Declines
ODDS (%)
Bearish Trend 29 days ago
50%
Bearish Trend 17 days ago
65%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
56%
Bearish Trend 2 days ago
39%
Aroon
ODDS (%)
Bearish Trend 2 days ago
56%
Bearish Trend 2 days ago
61%
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CTBI
Daily Signal:
Gain/Loss:
CZFS
Daily Signal:
Gain/Loss:
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CTBI and

Correlation & Price change

A.I.dvisor indicates that over the last year, CTBI has been closely correlated with STBA. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if CTBI jumps, then STBA could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CTBI
1D Price
Change %
CTBI100%
+0.59%
STBA - CTBI
90%
Closely correlated
-0.48%
PEBO - CTBI
90%
Closely correlated
+1.44%
UBSI - CTBI
90%
Closely correlated
-0.73%
FMBH - CTBI
90%
Closely correlated
+1.18%
WSFS - CTBI
89%
Closely correlated
-1.35%
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 71% 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%
-2.64%
MCBS - CZFS
71%
Closely correlated
-0.46%
PFIS - CZFS
70%
Closely correlated
-0.16%
BY - CZFS
69%
Closely correlated
+0.11%
CTBI - CZFS
69%
Closely correlated
+0.59%
FCF - CZFS
68%
Closely correlated
-0.69%
More