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
SBSI
Price
$33.90
Change
+$0.55 (+1.65%)
Updated
Feb 4, 03:13 PM (EDT)
Capitalization
991.26M
83 days until earnings call
Intraday BUY SELL Signals
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CZFS vs SBSI

Header iconCZFS vs SBSI Comparison
Open Charts CZFS vs SBSIBanner chart's image
Citizens Financial Services
Price$67.29
Change+$0.64 (+0.96%)
Volume$362
Capitalization318.59M
Southside Bancshares
Price$33.90
Change+$0.55 (+1.65%)
Volume$100
Capitalization991.26M
CZFS vs SBSI Comparison Chart in %
CZFS
Daily Signal:
Gain/Loss:
SBSI
Daily Signal:
Gain/Loss:
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VS
CZFS vs. SBSI 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 SBSI is a StrongBuy.

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COMPARISON
Comparison
Feb 04, 2026
Stock price -- (CZFS: $66.65 vs. SBSI: $33.35)
Brand notoriety: CZFS and SBSI are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZFS: 125% vs. SBSI: 114%
Market capitalization -- CZFS: $318.59M vs. SBSI: $991.26M
CZFS [@Regional Banks] is valued at $318.59M. SBSI’s [@Regional Banks] market capitalization is $991.26M. 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 whileSBSI’s FA Score has 2 green FA rating(s).

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

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

Price Growth

CZFS (@Regional Banks) experienced а +7.83% price change this week, while SBSI (@Regional Banks) price change was +3.09% 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.

SBSI is expected to report earnings on Apr 28, 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
SBSI($991M) has a higher market cap than CZFS($319M). SBSI has higher P/E ratio than CZFS: SBSI (14.56) vs CZFS (8.70). CZFS YTD gains are higher at: 16.889 vs. SBSI (9.740). CZFS has less debt than SBSI: CZFS (280M) vs SBSI (515M). SBSI has higher revenues than CZFS: SBSI (240M) vs CZFS (109M).
CZFSSBSICZFS / SBSI
Capitalization319M991M32%
EBITDAN/AN/A-
Gain YTD16.8899.740173%
P/E Ratio8.7014.5660%
Revenue109M240M45%
Total CashN/A110M-
Total Debt280M515M54%
FUNDAMENTALS RATINGS
CZFS vs SBSI: Fundamental Ratings
CZFS
SBSI
OUTLOOK RATING
1..100
7711
VALUATION
overvalued / fair valued / undervalued
1..100
20
Undervalued
47
Fair valued
PROFIT vs RISK RATING
1..100
6574
SMR RATING
1..100
4329
PRICE GROWTH RATING
1..100
4347
P/E GROWTH RATING
1..100
6921
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 SBSI (47) in the Regional Banks industry. This means that CZFS’s stock grew similarly to SBSI’s over the last 12 months.

CZFS's Profit vs Risk Rating (65) in the null industry is in the same range as SBSI (74) in the Regional Banks industry. This means that CZFS’s stock grew similarly to SBSI’s over the last 12 months.

SBSI's SMR Rating (29) in the Regional Banks industry is in the same range as CZFS (43) in the null industry. This means that SBSI’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 SBSI (47) in the Regional Banks industry. This means that CZFS’s stock grew similarly to SBSI’s over the last 12 months.

SBSI's P/E Growth Rating (21) in the Regional Banks industry is somewhat better than the same rating for CZFS (69) in the null industry. This means that SBSI’s stock grew somewhat faster than CZFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZFSSBSI
RSI
ODDS (%)
Bearish Trend 2 days ago
46%
Bearish Trend 2 days ago
71%
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
63%
MACD
ODDS (%)
Bullish Trend 2 days ago
69%
Bullish Trend 2 days ago
59%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
63%
Bullish Trend 2 days ago
57%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
62%
Bullish Trend 2 days ago
54%
Advances
ODDS (%)
Bullish Trend 2 days ago
66%
Bullish Trend 2 days ago
54%
Declines
ODDS (%)
Bearish Trend 8 days ago
64%
Bearish Trend 13 days ago
61%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
51%
Bearish Trend 2 days ago
50%
Aroon
ODDS (%)
Bullish Trend 2 days ago
56%
Bullish Trend 2 days ago
50%
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CZFS
Daily Signal:
Gain/Loss:
SBSI
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

SBSI and

Correlation & Price change

A.I.dvisor indicates that over the last year, SBSI has been closely correlated with STBA. These tickers have moved in lockstep 91% of the time. This A.I.-generated data suggests there is a high statistical probability that if SBSI jumps, then STBA could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SBSI
1D Price
Change %
SBSI100%
+0.76%
STBA - SBSI
91%
Closely correlated
+0.65%
FFIN - SBSI
90%
Closely correlated
+2.72%
FCF - SBSI
89%
Closely correlated
+1.75%
MBWM - SBSI
89%
Closely correlated
+0.58%
TRST - SBSI
89%
Closely correlated
+1.57%
More