CZFS
Price
$61.41
Change
-$0.40 (-0.65%)
Updated
Sep 5 closing price
Capitalization
295.22M
50 days until earnings call
PFIS
Price
$52.94
Change
-$0.63 (-1.18%)
Updated
Sep 5 closing price
Capitalization
529.12M
65 days until earnings call
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CZFS vs PFIS

Header iconCZFS vs PFIS Comparison
Open Charts CZFS vs PFISBanner chart's image
Citizens Financial Services
Price$61.41
Change-$0.40 (-0.65%)
Volume$3.15K
Capitalization295.22M
Peoples Financial Services
Price$52.94
Change-$0.63 (-1.18%)
Volume$29.15K
Capitalization529.12M
CZFS vs PFIS Comparison Chart in %
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CZFS
Daily Signalchanged days ago
Gain/Loss if bought
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PFIS
Daily Signalchanged days ago
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CZFS vs. PFIS commentary
Sep 07, 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 PFIS is a Buy.

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COMPARISON
Comparison
Sep 07, 2025
Stock price -- (CZFS: $61.41 vs. PFIS: $52.94)
Brand notoriety: CZFS and PFIS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZFS: 31% vs. PFIS: 91%
Market capitalization -- CZFS: $295.22M vs. PFIS: $529.12M
CZFS [@Regional Banks] is valued at $295.22M. PFIS’s [@Regional Banks] market capitalization is $529.12M. The market cap for tickers in the [@Regional Banks] industry ranges from $167.72B to $0. The average market capitalization across the [@Regional Banks] industry is $7.75B.

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 whilePFIS’s FA Score has 0 green FA rating(s).

  • CZFS’s FA Score: 1 green, 4 red.
  • PFIS’s FA Score: 0 green, 5 red.
According to our system of comparison, both CZFS and PFIS are a good buy in the long-term.

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 PFIS’s TA Score has 6 bullish TA indicator(s).

  • CZFS’s TA Score: 7 bullish, 2 bearish.
  • PFIS’s TA Score: 6 bullish, 4 bearish.
According to our system of comparison, CZFS is a better buy in the short-term than PFIS.

Price Growth

CZFS (@Regional Banks) experienced а +2.42% price change this week, while PFIS (@Regional Banks) price change was +1.01% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.38%. For the same industry, the average monthly price growth was +4.97%, and the average quarterly price growth was +13.09%.

Reported Earning Dates

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

PFIS is expected to report earnings on Nov 11, 2025.

Industries' Descriptions

@Regional Banks (+0.38% 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
PFIS($529M) has a higher market cap than CZFS($295M). PFIS has higher P/E ratio than CZFS: PFIS (16.44) vs CZFS (9.33). PFIS YTD gains are higher at: 7.341 vs. CZFS (-0.323). PFIS has less debt than CZFS: PFIS (271M) vs CZFS (313M).
CZFSPFISCZFS / PFIS
Capitalization295M529M56%
EBITDAN/AN/A-
Gain YTD-0.3237.341-4%
P/E Ratio9.3316.4457%
Revenue105MN/A-
Total CashN/A60.2M-
Total Debt313M271M115%
FUNDAMENTALS RATINGS
CZFS vs PFIS: Fundamental Ratings
CZFS
PFIS
OUTLOOK RATING
1..100
2593
VALUATION
overvalued / fair valued / undervalued
1..100
27
Undervalued
49
Fair valued
PROFIT vs RISK RATING
1..100
6639
SMR RATING
1..100
4436
PRICE GROWTH RATING
1..100
4745
P/E GROWTH RATING
1..100
4163
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 (27) in the null industry is in the same range as PFIS (49) in the Regional Banks industry. This means that CZFS’s stock grew similarly to PFIS’s over the last 12 months.

PFIS's Profit vs Risk Rating (39) in the Regional Banks industry is in the same range as CZFS (66) in the null industry. This means that PFIS’s stock grew similarly to CZFS’s over the last 12 months.

PFIS's SMR Rating (36) in the Regional Banks industry is in the same range as CZFS (44) in the null industry. This means that PFIS’s stock grew similarly to CZFS’s over the last 12 months.

PFIS's Price Growth Rating (45) in the Regional Banks industry is in the same range as CZFS (47) in the null industry. This means that PFIS’s stock grew similarly to CZFS’s over the last 12 months.

CZFS's P/E Growth Rating (41) in the null industry is in the same range as PFIS (63) in the Regional Banks industry. This means that CZFS’s stock grew similarly to PFIS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZFSPFIS
RSI
ODDS (%)
Bullish Trend 3 days ago
64%
Bearish Trend 3 days ago
81%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
40%
Bearish Trend 3 days ago
70%
Momentum
ODDS (%)
Bullish Trend 3 days ago
68%
Bullish Trend 3 days ago
57%
MACD
ODDS (%)
Bullish Trend 3 days ago
64%
Bullish Trend 3 days ago
64%
TrendWeek
ODDS (%)
Bullish Trend 3 days ago
63%
Bullish Trend 3 days ago
62%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
62%
Bullish Trend 3 days ago
61%
Advances
ODDS (%)
Bullish Trend 4 days ago
65%
Bullish Trend 12 days ago
61%
Declines
ODDS (%)
Bearish Trend 6 days ago
66%
Bearish Trend 10 days ago
54%
BollingerBands
ODDS (%)
N/A
Bearish Trend 3 days ago
67%
Aroon
ODDS (%)
Bullish Trend 3 days ago
58%
Bullish Trend 3 days ago
55%
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CZFS
Daily Signalchanged days ago
Gain/Loss if bought
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PFIS
Daily Signalchanged days ago
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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%
-0.65%
PFIS - CZFS
70%
Closely correlated
-1.18%
MCBS - CZFS
70%
Closely correlated
-1.50%
BFC - CZFS
69%
Closely correlated
-1.01%
AROW - CZFS
68%
Closely correlated
-1.55%
SMBC - CZFS
67%
Closely correlated
-1.32%
More

PFIS and

Correlation & Price change

A.I.dvisor indicates that over the last year, PFIS has been closely correlated with STBA. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if PFIS jumps, then STBA could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PFIS
1D Price
Change %
PFIS100%
-1.18%
STBA - PFIS
85%
Closely correlated
-0.93%
TCBK - PFIS
85%
Closely correlated
-1.14%
WSFS - PFIS
84%
Closely correlated
-0.21%
FMBH - PFIS
84%
Closely correlated
-1.28%
STEL - PFIS
84%
Closely correlated
-0.93%
More