CZFS
Price
$60.50
Change
-$0.99 (-1.61%)
Updated
Sep 29, 01:40 PM (EDT)
Capitalization
295.6M
28 days until earnings call
DBIN
Price
$38.00
Change
+$1.00 (+2.70%)
Updated
Sep 26 closing price
Capitalization
423.21M
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CZFS vs DBIN

Header iconCZFS vs DBIN Comparison
Open Charts CZFS vs DBINBanner chart's image
Citizens Financial Services
Price$60.50
Change-$0.99 (-1.61%)
Volume$158
Capitalization295.6M
Dacotah Banks
Price$38.00
Change+$1.00 (+2.70%)
Volume$1.34K
Capitalization423.21M
CZFS vs DBIN Comparison Chart in %
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CZFS
Daily Signalchanged days ago
Gain/Loss if bought
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DBIN
Daily Signalchanged days ago
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CZFS vs. DBIN commentary
Sep 29, 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 CZFS is a StrongBuy and DBIN is a Hold.

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COMPARISON
Comparison
Sep 29, 2025
Stock price -- (CZFS: $61.49 vs. DBIN: $38.00)
Brand notoriety: CZFS and DBIN are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZFS: 71% vs. DBIN: 80%
Market capitalization -- CZFS: $295.6M vs. DBIN: $423.21M
CZFS [@Regional Banks] is valued at $295.6M. DBIN’s [@Regional Banks] market capitalization is $423.21M. The market cap for tickers in the [@Regional Banks] industry ranges from $163.52B to $0. The average market capitalization across the [@Regional Banks] industry is $7.84B.

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).

CZFS’s FA Score shows that 1 FA rating(s) are green whileDBIN’s FA Score has 0 green FA rating(s).

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

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.

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

  • CZFS’s TA Score: 5 bullish, 6 bearish.
  • DBIN’s TA Score: 5 bullish, 2 bearish.
According to our system of comparison, DBIN is a better buy in the short-term than CZFS.

Price Growth

CZFS (@Regional Banks) experienced а -2.81% price change this week, while DBIN (@Regional Banks) price change was +2.70% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.14%. For the same industry, the average monthly price growth was +0.75%, and the average quarterly price growth was +13.44%.

Reported Earning Dates

CZFS is expected to report earnings on Oct 27, 2025.

Industries' Descriptions

@Regional Banks (-0.14% 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
DBIN($423M) has a higher market cap than CZFS($296M). DBIN has higher P/E ratio than CZFS: DBIN (15.97) vs CZFS (9.34). DBIN YTD gains are higher at: 14.995 vs. CZFS (0.592). DBIN has less debt than CZFS: DBIN (4M) vs CZFS (313M).
CZFSDBINCZFS / DBIN
Capitalization296M423M70%
EBITDAN/AN/A-
Gain YTD0.59214.9954%
P/E Ratio9.3415.9759%
RevenueN/AN/A-
Total CashN/A78.3M-
Total Debt313M4M7,825%
FUNDAMENTALS RATINGS
CZFS vs DBIN: Fundamental Ratings
CZFS
DBIN
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
27
Undervalued
72
Overvalued
PROFIT vs RISK RATING
1..100
6555
SMR RATING
1..100
4443
PRICE GROWTH RATING
1..100
5248
P/E GROWTH RATING
1..100
4534
SEASONALITY SCORE
1..100
n/a50

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 (27) in the null industry is somewhat better than the same rating for DBIN (72). This means that CZFS’s stock grew somewhat faster than DBIN’s over the last 12 months.

DBIN's Profit vs Risk Rating (55) in the null industry is in the same range as CZFS (65). This means that DBIN’s stock grew similarly to CZFS’s over the last 12 months.

DBIN's SMR Rating (43) in the null industry is in the same range as CZFS (44). This means that DBIN’s stock grew similarly to CZFS’s over the last 12 months.

DBIN's Price Growth Rating (48) in the null industry is in the same range as CZFS (52). This means that DBIN’s stock grew similarly to CZFS’s over the last 12 months.

DBIN's P/E Growth Rating (34) in the null industry is in the same range as CZFS (45). This means that DBIN’s stock grew similarly to CZFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZFSDBIN
RSI
ODDS (%)
Bearish Trend 4 days ago
38%
Bearish Trend 4 days ago
45%
Stochastic
ODDS (%)
Bearish Trend 4 days ago
45%
Bullish Trend 4 days ago
37%
Momentum
ODDS (%)
Bearish Trend 4 days ago
43%
Bullish Trend 4 days ago
46%
MACD
ODDS (%)
Bearish Trend 4 days ago
47%
Bullish Trend 4 days ago
32%
TrendWeek
ODDS (%)
Bearish Trend 4 days ago
52%
Bullish Trend 4 days ago
49%
TrendMonth
ODDS (%)
Bullish Trend 4 days ago
62%
Bullish Trend 4 days ago
52%
Advances
ODDS (%)
Bullish Trend 4 days ago
66%
N/A
Declines
ODDS (%)
Bearish Trend 8 days ago
65%
N/A
BollingerBands
ODDS (%)
Bearish Trend 4 days ago
44%
Bearish Trend 4 days ago
57%
Aroon
ODDS (%)
Bullish Trend 4 days ago
55%
Bullish Trend 4 days ago
64%
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CZFS
Daily Signalchanged days ago
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DBIN
Daily Signalchanged days ago
Gain/Loss if bought
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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 72% 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%
+0.26%
MCBS - CZFS
72%
Closely correlated
-0.38%
BFC - CZFS
71%
Closely correlated
+0.20%
PFIS - CZFS
70%
Closely correlated
-0.51%
SMBC - CZFS
70%
Closely correlated
-0.35%
BCML - CZFS
69%
Closely correlated
-0.17%
More

DBIN and

Correlation & Price change

A.I.dvisor tells us that DBIN and WFCL have been poorly correlated (+25% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that DBIN and WFCL's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To DBIN
1D Price
Change %
DBIN100%
+2.70%
WFCL - DBIN
25%
Poorly correlated
N/A
DBSDY - DBIN
7%
Poorly correlated
+0.10%
CZFS - DBIN
4%
Poorly correlated
+0.26%
CZBC - DBIN
3%
Poorly correlated
+0.36%
DBSDF - DBIN
3%
Poorly correlated
+4.83%
More