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
FRME
Price
$36.15
Change
+$0.28 (+0.78%)
Updated
Nov 13 closing price
Capitalization
2.09B
69 days until earnings call
Intraday BUY SELL Signals
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CZFS vs FRME

Header iconCZFS vs FRME Comparison
Open Charts CZFS vs FRMEBanner chart's image
Citizens Financial Services
Price$57.01
Change+$0.91 (+1.62%)
Volume$13.49K
Capitalization275.84M
First Merchants
Price$36.15
Change+$0.28 (+0.78%)
Volume$272.12K
Capitalization2.09B
CZFS vs FRME Comparison Chart in %
CZFS
Daily Signal:
Gain/Loss:
FRME
Daily Signal:
Gain/Loss:
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VS
CZFS vs. FRME 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 CZFS is a Buy and FRME is a Hold.

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COMPARISON
Comparison
Nov 14, 2025
Stock price -- (CZFS: $57.01 vs. FRME: $36.15)
Brand notoriety: CZFS and FRME are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZFS: 151% vs. FRME: 81%
Market capitalization -- CZFS: $275.84M vs. FRME: $2.09B
CZFS [@Regional Banks] is valued at $275.84M. FRME’s [@Regional Banks] market capitalization is $2.09B. 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).

CZFS’s FA Score shows that 1 FA rating(s) are green whileFRME’s FA Score has 2 green FA rating(s).

  • CZFS’s FA Score: 1 green, 4 red.
  • FRME’s FA Score: 2 green, 3 red.
According to our system of comparison, CZFS is a better buy in the long-term than FRME.

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 4 TA indicator(s) are bullish while FRME’s TA Score has 5 bullish TA indicator(s).

  • CZFS’s TA Score: 4 bullish, 6 bearish.
  • FRME’s TA Score: 5 bullish, 4 bearish.
According to our system of comparison, FRME is a better buy in the short-term than CZFS.

Price Growth

CZFS (@Regional Banks) experienced а +3.17% price change this week, while FRME (@Regional Banks) price change was +1.43% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +1.09%. For the same industry, the average monthly price growth was +1.61%, and the average quarterly price growth was +11.37%.

Reported Earning Dates

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

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

Industries' Descriptions

@Regional Banks (+1.09% 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
FRME($2.09B) has a higher market cap than CZFS($276M). FRME has higher P/E ratio than CZFS: FRME (9.04) vs CZFS (8.08). CZFS YTD gains are higher at: -6.737 vs. FRME (-7.627). CZFS has less debt than FRME: CZFS (313M) vs FRME (961M). FRME has higher revenues than CZFS: FRME (638M) vs CZFS (105M).
CZFSFRMECZFS / FRME
Capitalization276M2.09B13%
EBITDAN/AN/A-
Gain YTD-6.737-7.62788%
P/E Ratio8.089.0489%
Revenue105M638M16%
Total CashN/A81.6M-
Total Debt313M961M33%
FUNDAMENTALS RATINGS
CZFS vs FRME: Fundamental Ratings
CZFS
FRME
OUTLOOK RATING
1..100
178
VALUATION
overvalued / fair valued / undervalued
1..100
19
Undervalued
29
Undervalued
PROFIT vs RISK RATING
1..100
6255
SMR RATING
1..100
4316
PRICE GROWTH RATING
1..100
6061
P/E GROWTH RATING
1..100
8288
SEASONALITY SCORE
1..100
8565

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 FRME (29) in the Regional Banks industry. This means that CZFS’s stock grew similarly to FRME’s over the last 12 months.

FRME's Profit vs Risk Rating (55) in the Regional Banks industry is in the same range as CZFS (62) in the null industry. This means that FRME’s stock grew similarly to CZFS’s over the last 12 months.

FRME's SMR Rating (16) in the Regional Banks industry is in the same range as CZFS (43) in the null industry. This means that FRME’s stock grew similarly to CZFS’s over the last 12 months.

CZFS's Price Growth Rating (60) in the null industry is in the same range as FRME (61) in the Regional Banks industry. This means that CZFS’s stock grew similarly to FRME’s over the last 12 months.

CZFS's P/E Growth Rating (82) in the null industry is in the same range as FRME (88) in the Regional Banks industry. This means that CZFS’s stock grew similarly to FRME’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZFSFRME
RSI
ODDS (%)
Bullish Trend 1 day ago
67%
Bullish Trend 3 days ago
69%
Stochastic
ODDS (%)
Bearish Trend 1 day ago
39%
Bearish Trend 3 days ago
61%
Momentum
ODDS (%)
Bullish Trend 1 day ago
72%
Bullish Trend 3 days ago
55%
MACD
ODDS (%)
Bullish Trend 1 day ago
59%
Bullish Trend 3 days ago
71%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
62%
Bearish Trend 3 days ago
67%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
60%
Bearish Trend 3 days ago
62%
Advances
ODDS (%)
Bullish Trend 10 days ago
66%
Bullish Trend 4 days ago
58%
Declines
ODDS (%)
Bearish Trend 18 days ago
65%
Bearish Trend 18 days ago
64%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
39%
Bullish Trend 3 days ago
66%
Aroon
ODDS (%)
Bearish Trend 1 day ago
61%
Bearish Trend 3 days ago
61%
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CZFS
Daily Signal:
Gain/Loss:
FRME
Daily Signal:
Gain/Loss:
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CZFS and

Correlation & Price change

A.I.dvisor indicates that over the last year, CZFS has been closely correlated with PFIS. These tickers have moved in lockstep 70% of the time. This A.I.-generated data suggests there is a high statistical probability that if CZFS jumps, then PFIS could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZFS
1D Price
Change %
CZFS100%
+1.62%
PFIS - CZFS
70%
Closely correlated
-0.05%
BY - CZFS
69%
Closely correlated
-0.73%
CTBI - CZFS
69%
Closely correlated
-0.17%
FCF - CZFS
68%
Closely correlated
-0.25%
FRME - CZFS
68%
Closely correlated
+0.78%
More

FRME and

Correlation & Price change

A.I.dvisor indicates that over the last year, FRME has been closely correlated with TRMK. These tickers have moved in lockstep 89% of the time. This A.I.-generated data suggests there is a high statistical probability that if FRME jumps, then TRMK could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FRME
1D Price
Change %
FRME100%
-1.24%
TRMK - FRME
89%
Closely correlated
-1.30%
BUSE - FRME
89%
Closely correlated
+0.52%
BY - FRME
89%
Closely correlated
+0.11%
STBA - FRME
88%
Closely correlated
-0.48%
PEBO - FRME
88%
Closely correlated
+1.44%
More