CZFS
Price
$61.49
Change
+$0.16 (+0.26%)
Updated
Sep 26 closing price
Capitalization
295.6M
29 days until earnings call
IBTN
Price
$28.55
Change
+$0.05 (+0.18%)
Updated
Sep 26 closing price
Capitalization
82.9M
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CZFS vs IBTN

Header iconCZFS vs IBTN Comparison
Open Charts CZFS vs IBTNBanner chart's image
Citizens Financial Services
Price$61.49
Change+$0.16 (+0.26%)
Volume$6.34K
Capitalization295.6M
Ins
Price$28.55
Change+$0.05 (+0.18%)
Volume$60K
Capitalization82.9M
CZFS vs IBTN Comparison Chart in %
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CZFS
Daily Signalchanged days ago
Gain/Loss if bought
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IBTN
Daily Signalchanged days ago
Gain/Loss if bought
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CZFS vs. IBTN commentary
Sep 28, 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 IBTN is a Hold.

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COMPARISON
Comparison
Sep 28, 2025
Stock price -- (CZFS: $61.49 vs. IBTN: $28.55)
Brand notoriety: CZFS and IBTN are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZFS: 71% vs. IBTN: 1615%
Market capitalization -- CZFS: $295.6M vs. IBTN: $82.9M
CZFS [@Regional Banks] is valued at $295.6M. IBTN’s [@Regional Banks] market capitalization is $82.9M. 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 $7.83B.

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 whileIBTN’s FA Score has 2 green FA rating(s).

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

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 IBTN’s TA Score has 4 bullish TA indicator(s).

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

Price Growth

CZFS (@Regional Banks) experienced а -2.81% price change this week, while IBTN (@Regional Banks) price change was 0.00% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.08%. For the same industry, the average monthly price growth was +1.32%, and the average quarterly price growth was +13.92%.

Reported Earning Dates

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

Industries' Descriptions

@Regional Banks (+0.08% 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($296M) has a higher market cap than IBTN($82.9M). IBTN has higher P/E ratio than CZFS: IBTN (10.98) vs CZFS (9.34). IBTN YTD gains are higher at: 15.771 vs. CZFS (0.592). IBTN has less debt than CZFS: IBTN (61.6M) vs CZFS (313M).
CZFSIBTNCZFS / IBTN
Capitalization296M82.9M357%
EBITDAN/AN/A-
Gain YTD0.59215.7714%
P/E Ratio9.3410.9885%
RevenueN/AN/A-
Total CashN/A7.69M-
Total Debt313M61.6M508%
FUNDAMENTALS RATINGS
CZFS vs IBTN: Fundamental Ratings
CZFS
IBTN
OUTLOOK RATING
1..100
7550
VALUATION
overvalued / fair valued / undervalued
1..100
27
Undervalued
98
Overvalued
PROFIT vs RISK RATING
1..100
6513
SMR RATING
1..100
4458
PRICE GROWTH RATING
1..100
5245
P/E GROWTH RATING
1..100
4524
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 significantly better than the same rating for IBTN (98). This means that CZFS’s stock grew significantly faster than IBTN’s over the last 12 months.

IBTN's Profit vs Risk Rating (13) in the null industry is somewhat better than the same rating for CZFS (65). This means that IBTN’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 IBTN (58). This means that CZFS’s stock grew similarly to IBTN’s over the last 12 months.

IBTN's Price Growth Rating (45) in the null industry is in the same range as CZFS (52). This means that IBTN’s stock grew similarly to CZFS’s over the last 12 months.

IBTN's P/E Growth Rating (24) in the null industry is in the same range as CZFS (45). This means that IBTN’s stock grew similarly to CZFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZFSIBTN
RSI
ODDS (%)
Bearish Trend 3 days ago
38%
Bearish Trend 3 days ago
13%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
45%
Bullish Trend 3 days ago
45%
Momentum
ODDS (%)
Bearish Trend 3 days ago
43%
Bearish Trend 3 days ago
16%
MACD
ODDS (%)
Bearish Trend 3 days ago
47%
Bearish Trend 3 days ago
22%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
52%
Bullish Trend 3 days ago
46%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
62%
Bullish Trend 3 days ago
48%
Advances
ODDS (%)
Bullish Trend 3 days ago
66%
Bullish Trend 11 days ago
54%
Declines
ODDS (%)
Bearish Trend 7 days ago
65%
Bearish Trend 14 days ago
16%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
44%
Bearish Trend 3 days ago
20%
Aroon
ODDS (%)
Bullish Trend 3 days ago
55%
Bullish Trend 3 days ago
47%
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CZFS
Daily Signalchanged days ago
Gain/Loss if bought
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IBTN
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

IBTN and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To IBTN
1D Price
Change %
IBTN100%
+0.18%
VBNK - IBTN
25%
Poorly correlated
+1.84%
EBKDY - IBTN
22%
Poorly correlated
+1.82%
CFBK - IBTN
22%
Poorly correlated
N/A
CZFS - IBTN
20%
Poorly correlated
+0.26%
HRGG - IBTN
10%
Poorly correlated
-0.28%
More