CZFS
Price
$57.45
Change
+$1.09 (+1.93%)
Updated
Dec 4, 04:59 PM (EDT)
Capitalization
270.89M
49 days until earnings call
Intraday BUY SELL Signals
FRME
Price
$37.59
Change
+$0.07 (+0.19%)
Updated
Dec 4, 04:59 PM (EDT)
Capitalization
2.17B
49 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$57.45
Change+$1.09 (+1.93%)
Volume$100
Capitalization270.89M
First Merchants
Price$37.59
Change+$0.07 (+0.19%)
Volume$4.35K
Capitalization2.17B
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
Dec 05, 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 Hold and FRME is a StrongBuy.

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COMPARISON
Comparison
Dec 05, 2025
Stock price -- (CZFS: $56.36 vs. FRME: $37.52)
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: 153% vs. FRME: 95%
Market capitalization -- CZFS: $270.89M vs. FRME: $2.17B
CZFS [@Regional Banks] is valued at $270.89M. FRME’s [@Regional Banks] market capitalization is $2.17B. 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 $8.32B.

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, FRME 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.

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, 5 bearish.
  • FRME’s TA Score: 5 bullish, 4 bearish.
According to our system of comparison, both CZFS and FRME are a good buy in the short-term.

Price Growth

CZFS (@Regional Banks) experienced а +0.52% price change this week, while FRME (@Regional Banks) price change was +1.05% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +1.28%. For the same industry, the average monthly price growth was +4.63%, and the average quarterly price growth was +14.30%.

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 (+1.28% 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($2.17B) has a higher market cap than CZFS($271M). FRME has higher P/E ratio than CZFS: FRME (9.38) vs CZFS (7.94). FRME YTD gains are higher at: -3.378 vs. CZFS (-7.800). CZFS has less debt than FRME: CZFS (313M) vs FRME (961M). FRME has higher revenues than CZFS: FRME (638M) vs CZFS (105M).
CZFSFRMECZFS / FRME
Capitalization271M2.17B13%
EBITDAN/AN/A-
Gain YTD-7.800-3.378231%
P/E Ratio7.949.3885%
Revenue105M638M16%
Total CashN/A81.6M-
Total Debt313M961M33%
FUNDAMENTALS RATINGS
CZFS vs FRME: Fundamental Ratings
CZFS
FRME
OUTLOOK RATING
1..100
7219
VALUATION
overvalued / fair valued / undervalued
1..100
18
Undervalued
31
Undervalued
PROFIT vs RISK RATING
1..100
6555
SMR RATING
1..100
4416
PRICE GROWTH RATING
1..100
7358
P/E GROWTH RATING
1..100
8484
SEASONALITY SCORE
1..100
5050

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 (18) in the null industry is in the same range as FRME (31) 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 (65) 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 (44) in the null industry. This means that FRME’s stock grew similarly to CZFS’s over the last 12 months.

FRME's Price Growth Rating (58) in the Regional Banks industry is in the same range as CZFS (73) in the null industry. This means that FRME’s stock grew similarly to CZFS’s over the last 12 months.

FRME's P/E Growth Rating (84) in the Regional Banks industry is in the same range as CZFS (84) in the null industry. This means that FRME’s stock grew similarly to CZFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZFSFRME
RSI
ODDS (%)
N/A
N/A
Stochastic
ODDS (%)
Bearish Trend 2 days ago
46%
Bearish Trend 2 days ago
57%
Momentum
ODDS (%)
Bullish Trend 2 days ago
70%
Bullish Trend 2 days ago
63%
MACD
ODDS (%)
Bullish Trend 2 days ago
65%
Bullish Trend 2 days ago
48%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
54%
Bullish Trend 2 days ago
57%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
59%
Bullish Trend 2 days ago
50%
Advances
ODDS (%)
Bullish Trend 14 days ago
65%
Bullish Trend 16 days ago
57%
Declines
ODDS (%)
Bearish Trend 7 days ago
65%
Bearish Trend 7 days ago
64%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
40%
Bullish Trend 2 days ago
61%
Aroon
ODDS (%)
Bearish Trend 2 days ago
59%
Bearish Trend 2 days ago
58%
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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 MCBS. These tickers have moved in lockstep 66% 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%
+3.97%
MCBS - CZFS
66%
Closely correlated
+2.43%
PFIS - CZFS
66%
Closely correlated
+3.22%
HBCP - CZFS
65%
Loosely correlated
+2.00%
FRME - CZFS
63%
Loosely correlated
+1.98%
FCF - CZFS
63%
Loosely correlated
+0.48%
More

FRME and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FRME
1D Price
Change %
FRME100%
+1.98%
STBA - FRME
88%
Closely correlated
+1.43%
UBSI - FRME
87%
Closely correlated
+1.60%
BUSE - FRME
87%
Closely correlated
+1.87%
FFBC - FRME
87%
Closely correlated
+1.87%
CATY - FRME
86%
Closely correlated
+2.06%
More