CZBT
Price
$33.66
Change
-$0.09 (-0.27%)
Updated
Dec 24 closing price
Capitalization
70.96M
Intraday BUY SELL Signals
CZFS
Price
$58.46
Change
-$0.20 (-0.34%)
Updated
Dec 26, 02:43 PM (EDT)
Capitalization
281.94M
27 days until earnings call
Intraday BUY SELL Signals
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CZBT vs CZFS

Header iconCZBT vs CZFS Comparison
Open Charts CZBT vs CZFSBanner chart's image
Citizens Bancorp of Virginia
Price$33.66
Change-$0.09 (-0.27%)
Volume$350
Capitalization70.96M
Citizens Financial Services
Price$58.46
Change-$0.20 (-0.34%)
Volume$100
Capitalization281.94M
CZBT vs CZFS Comparison Chart in %
CZBT
Daily Signal:
Gain/Loss:
CZFS
Daily Signal:
Gain/Loss:
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CZBT vs. CZFS commentary
Dec 27, 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 CZBT is a Hold and CZFS is a Buy.

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COMPARISON
Comparison
Dec 27, 2025
Stock price -- (CZBT: $33.66 vs. CZFS: $58.66)
Brand notoriety: CZBT and CZFS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZBT: 31% vs. CZFS: 75%
Market capitalization -- CZBT: $70.96M vs. CZFS: $281.94M
CZBT [@Regional Banks] is valued at $70.96M. CZFS’s [@Regional Banks] market capitalization is $281.94M. The market cap for tickers in the [@Regional Banks] industry ranges from $171.46B to $0. The average market capitalization across the [@Regional Banks] industry is $8.65B.

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).

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

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

CZBT’s TA Score shows that 2 TA indicator(s) are bullish while CZFS’s TA Score has 5 bullish TA indicator(s).

  • CZBT’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 CZBT.

Price Growth

CZBT (@Regional Banks) experienced а -0.06% price change this week, while CZFS (@Regional Banks) price change was -5.52% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.38%. For the same industry, the average monthly price growth was +3.90%, and the average quarterly price growth was +15.50%.

Reported Earning Dates

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

Industries' Descriptions

@Regional Banks (-0.38% 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
CZFS($282M) has a higher market cap than CZBT($71M). CZBT (8.31) and CZFS (8.26) have similar P/E ratio . CZBT YTD gains are higher at: 18.454 vs. CZFS (-4.038). CZBT has less debt than CZFS: CZBT (12M) vs CZFS (280M). CZFS has higher revenues than CZBT: CZFS (109M) vs CZBT (22.8M).
CZBTCZFSCZBT / CZFS
Capitalization71M282M25%
EBITDAN/AN/A-
Gain YTD18.454-4.038-457%
P/E Ratio8.318.26101%
Revenue22.8M109M21%
Total CashN/AN/A-
Total Debt12M280M4%
FUNDAMENTALS RATINGS
CZBT vs CZFS: Fundamental Ratings
CZBT
CZFS
OUTLOOK RATING
1..100
5068
VALUATION
overvalued / fair valued / undervalued
1..100
87
Overvalued
19
Undervalued
PROFIT vs RISK RATING
1..100
2463
SMR RATING
1..100
5344
PRICE GROWTH RATING
1..100
4757
P/E GROWTH RATING
1..100
3280
SEASONALITY SCORE
1..100
6550

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 significantly better than the same rating for CZBT (87). This means that CZFS’s stock grew significantly faster than CZBT’s over the last 12 months.

CZBT's Profit vs Risk Rating (24) in the null industry is somewhat better than the same rating for CZFS (63). This means that CZBT’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 CZBT (53). This means that CZFS’s stock grew similarly to CZBT’s over the last 12 months.

CZBT's Price Growth Rating (47) in the null industry is in the same range as CZFS (57). This means that CZBT’s stock grew similarly to CZFS’s over the last 12 months.

CZBT's P/E Growth Rating (32) in the null industry is somewhat better than the same rating for CZFS (80). This means that CZBT’s stock grew somewhat faster than CZFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZBTCZFS
RSI
ODDS (%)
Bearish Trend 3 days ago
28%
Bearish Trend 3 days ago
50%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
25%
Bullish Trend 3 days ago
55%
Momentum
ODDS (%)
Bearish Trend 3 days ago
22%
Bearish Trend 3 days ago
45%
MACD
ODDS (%)
Bearish Trend 3 days ago
20%
Bearish Trend 3 days ago
52%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
20%
Bearish Trend 3 days ago
54%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
32%
Bullish Trend 3 days ago
61%
Advances
ODDS (%)
Bullish Trend 22 days ago
36%
Bullish Trend 10 days ago
65%
Declines
ODDS (%)
N/A
Bearish Trend 3 days ago
64%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
41%
Bearish Trend 3 days ago
51%
Aroon
ODDS (%)
Bearish Trend 3 days ago
19%
Bullish Trend 3 days ago
54%
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CZBT
Daily Signal:
Gain/Loss:
CZFS
Daily Signal:
Gain/Loss:
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CZBT and

Correlation & Price change

A.I.dvisor tells us that CZBT and CNBP have been poorly correlated (+24% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that CZBT and CNBP's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZBT
1D Price
Change %
CZBT100%
-0.27%
CNBP - CZBT
24%
Poorly correlated
N/A
CZNC - CZBT
20%
Poorly correlated
+0.15%
DBIN - CZBT
2%
Poorly correlated
N/A
DIMC - CZBT
2%
Poorly correlated
+1.16%
CZFS - CZBT
0%
Poorly correlated
-0.10%
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 66% 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%
-0.10%
MCBS - CZFS
66%
Loosely correlated
+0.11%
PFIS - CZFS
65%
Loosely correlated
+0.60%
BY - CZFS
63%
Loosely correlated
+0.20%
HBCP - CZFS
63%
Loosely correlated
-0.07%
PCB - CZFS
63%
Loosely correlated
+0.18%
More