CZFS
Price
$67.29
Change
+$0.64 (+0.96%)
Updated
Feb 4, 01:08 PM (EDT)
Capitalization
318.59M
85 days until earnings call
Intraday BUY SELL Signals
MBWM
Price
$54.98
Change
+$1.20 (+2.23%)
Updated
Feb 4, 02:59 PM (EDT)
Capitalization
924.69M
76 days until earnings call
Intraday BUY SELL Signals
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CZFS vs MBWM

Header iconCZFS vs MBWM Comparison
Open Charts CZFS vs MBWMBanner chart's image
Citizens Financial Services
Price$67.29
Change+$0.64 (+0.96%)
Volume$362
Capitalization318.59M
Mercantile Bank
Price$54.98
Change+$1.20 (+2.23%)
Volume$520
Capitalization924.69M
CZFS vs MBWM Comparison Chart in %
CZFS
Daily Signal:
Gain/Loss:
MBWM
Daily Signal:
Gain/Loss:
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CZFS vs. MBWM commentary
Feb 04, 2026

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 MBWM is a Buy.

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COMPARISON
Comparison
Feb 04, 2026
Stock price -- (CZFS: $66.65 vs. MBWM: $53.77)
Brand notoriety: CZFS and MBWM are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZFS: 125% vs. MBWM: 88%
Market capitalization -- CZFS: $318.59M vs. MBWM: $924.69M
CZFS [@Regional Banks] is valued at $318.59M. MBWM’s [@Regional Banks] market capitalization is $924.69M. The market cap for tickers in the [@Regional Banks] industry ranges from $161.17B to $0. The average market capitalization across the [@Regional Banks] industry is $9.28B.

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 whileMBWM’s FA Score has 3 green FA rating(s).

  • CZFS’s FA Score: 1 green, 4 red.
  • MBWM’s FA Score: 3 green, 2 red.
According to our system of comparison, MBWM 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 7 TA indicator(s) are bullish while MBWM’s TA Score has 4 bullish TA indicator(s).

  • CZFS’s TA Score: 7 bullish, 3 bearish.
  • MBWM’s TA Score: 4 bullish, 4 bearish.
According to our system of comparison, CZFS is a better buy in the short-term than MBWM.

Price Growth

CZFS (@Regional Banks) experienced а +7.83% price change this week, while MBWM (@Regional Banks) price change was +5.72% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +3.21%. For the same industry, the average monthly price growth was +5.99%, and the average quarterly price growth was +19.36%.

Reported Earning Dates

CZFS is expected to report earnings on Apr 30, 2026.

MBWM is expected to report earnings on Apr 21, 2026.

Industries' Descriptions

@Regional Banks (+3.21% 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
MBWM($925M) has a higher market cap than CZFS($319M). MBWM has higher P/E ratio than CZFS: MBWM (9.84) vs CZFS (8.70). CZFS YTD gains are higher at: 16.889 vs. MBWM (11.788). CZFS has less debt than MBWM: CZFS (280M) vs MBWM (487M). MBWM has higher revenues than CZFS: MBWM (239M) vs CZFS (109M).
CZFSMBWMCZFS / MBWM
Capitalization319M925M34%
EBITDAN/AN/A-
Gain YTD16.88911.788143%
P/E Ratio8.709.8488%
Revenue109M239M46%
Total CashN/A58.6M-
Total Debt280M487M57%
FUNDAMENTALS RATINGS
CZFS vs MBWM: Fundamental Ratings
CZFS
MBWM
OUTLOOK RATING
1..100
7772
VALUATION
overvalued / fair valued / undervalued
1..100
20
Undervalued
33
Fair valued
PROFIT vs RISK RATING
1..100
6519
SMR RATING
1..100
4326
PRICE GROWTH RATING
1..100
4344
P/E GROWTH RATING
1..100
6949
SEASONALITY SCORE
1..100
7550

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 (20) in the null industry is in the same range as MBWM (33) in the Regional Banks industry. This means that CZFS’s stock grew similarly to MBWM’s over the last 12 months.

MBWM's Profit vs Risk Rating (19) in the Regional Banks industry is somewhat better than the same rating for CZFS (65) in the null industry. This means that MBWM’s stock grew somewhat faster than CZFS’s over the last 12 months.

MBWM's SMR Rating (26) in the Regional Banks industry is in the same range as CZFS (43) in the null industry. This means that MBWM’s stock grew similarly to CZFS’s over the last 12 months.

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

MBWM's P/E Growth Rating (49) in the Regional Banks industry is in the same range as CZFS (69) in the null industry. This means that MBWM’s stock grew similarly to CZFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZFSMBWM
RSI
ODDS (%)
Bearish Trend 2 days ago
46%
Bearish Trend 2 days ago
75%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
70%
Bearish Trend 2 days ago
54%
Momentum
ODDS (%)
Bullish Trend 2 days ago
67%
Bullish Trend 2 days ago
67%
MACD
ODDS (%)
Bullish Trend 2 days ago
69%
Bullish Trend 2 days ago
63%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
63%
Bullish Trend 2 days ago
67%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
62%
Bullish Trend 2 days ago
60%
Advances
ODDS (%)
Bullish Trend 2 days ago
66%
Bullish Trend 2 days ago
63%
Declines
ODDS (%)
Bearish Trend 8 days ago
64%
Bearish Trend 8 days ago
61%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
51%
Bearish Trend 2 days ago
67%
Aroon
ODDS (%)
Bullish Trend 2 days ago
56%
Bullish Trend 2 days ago
61%
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CZFS
Daily Signal:
Gain/Loss:
MBWM
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 BCML. These tickers have moved in lockstep 69% of the time. This A.I.-generated data suggests there is a high statistical probability that if CZFS jumps, then BCML could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZFS
1D Price
Change %
CZFS100%
+1.97%
BCML - CZFS
69%
Closely correlated
+2.08%
AROW - CZFS
69%
Closely correlated
+2.34%
BFC - CZFS
69%
Closely correlated
+0.98%
MBWM - CZFS
68%
Closely correlated
+0.58%
SBSI - CZFS
68%
Closely correlated
+0.76%
More

MBWM and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To MBWM
1D Price
Change %
MBWM100%
+0.58%
STBA - MBWM
89%
Closely correlated
+0.65%
PEBO - MBWM
89%
Closely correlated
+1.44%
IBCP - MBWM
88%
Closely correlated
+0.72%
OSBC - MBWM
87%
Closely correlated
+1.38%
FMBH - MBWM
87%
Closely correlated
+0.50%
More