CZFS
Price
$67.03
Change
-$0.57 (-0.84%)
Updated
Feb 5, 04:57 PM (EDT)
Capitalization
324.96M
84 days until earnings call
Intraday BUY SELL Signals
STEL
Price
$38.56
Change
-$0.10 (-0.26%)
Updated
Feb 5, 03:51 PM (EDT)
Capitalization
1.96B
78 days until earnings call
Intraday BUY SELL Signals
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CZFS vs STEL

Header iconCZFS vs STEL Comparison
Open Charts CZFS vs STELBanner chart's image
Citizens Financial Services
Price$67.03
Change-$0.57 (-0.84%)
Volume$200
Capitalization324.96M
Stellar Ban
Price$38.56
Change-$0.10 (-0.26%)
Volume$300
Capitalization1.96B
CZFS vs STEL Comparison Chart in %
CZFS
Daily Signal:
Gain/Loss:
STEL
Daily Signal:
Gain/Loss:
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VS
CZFS vs. STEL commentary
Feb 06, 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 STEL is a Buy.

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COMPARISON
Comparison
Feb 06, 2026
Stock price -- (CZFS: $67.60 vs. STEL: $38.66)
Brand notoriety: CZFS and STEL are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZFS: 69% vs. STEL: 266%
Market capitalization -- CZFS: $324.96M vs. STEL: $1.96B
CZFS [@Regional Banks] is valued at $324.96M. STEL’s [@Regional Banks] market capitalization is $1.96B. The market cap for tickers in the [@Regional Banks] industry ranges from $162.2B to $0. The average market capitalization across the [@Regional Banks] industry is $9.38B.

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

  • CZFS’s FA Score: 1 green, 4 red.
  • STEL’s FA Score: 2 green, 3 red.
According to our system of comparison, STEL 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 6 TA indicator(s) are bullish while STEL’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

CZFS (@Regional Banks) experienced а +10.55% price change this week, while STEL (@Regional Banks) price change was +6.15% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +2.20%. For the same industry, the average monthly price growth was +5.64%, and the average quarterly price growth was +19.10%.

Reported Earning Dates

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

STEL is expected to report earnings on Apr 24, 2026.

Industries' Descriptions

@Regional Banks (+2.20% 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
STEL($1.96B) has a higher market cap than CZFS($325M). STEL has higher P/E ratio than CZFS: STEL (19.43) vs CZFS (8.87). STEL YTD gains are higher at: 24.952 vs. CZFS (18.555). STEL has less debt than CZFS: STEL (70.2M) vs CZFS (280M). STEL has higher revenues than CZFS: STEL (423M) vs CZFS (109M).
CZFSSTELCZFS / STEL
Capitalization325M1.96B17%
EBITDAN/AN/A-
Gain YTD18.55524.95274%
P/E Ratio8.8719.4346%
Revenue109M423M26%
Total CashN/A99.4M-
Total Debt280M70.2M399%
FUNDAMENTALS RATINGS
CZFS vs STEL: Fundamental Ratings
CZFS
STEL
OUTLOOK RATING
1..100
1731
VALUATION
overvalued / fair valued / undervalued
1..100
21
Undervalued
74
Overvalued
PROFIT vs RISK RATING
1..100
6348
SMR RATING
1..100
4319
PRICE GROWTH RATING
1..100
4340
P/E GROWTH RATING
1..100
7217
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 (21) in the null industry is somewhat better than the same rating for STEL (74). This means that CZFS’s stock grew somewhat faster than STEL’s over the last 12 months.

STEL's Profit vs Risk Rating (48) in the null industry is in the same range as CZFS (63). This means that STEL’s stock grew similarly to CZFS’s over the last 12 months.

STEL's SMR Rating (19) in the null industry is in the same range as CZFS (43). This means that STEL’s stock grew similarly to CZFS’s over the last 12 months.

STEL's Price Growth Rating (40) in the null industry is in the same range as CZFS (43). This means that STEL’s stock grew similarly to CZFS’s over the last 12 months.

STEL's P/E Growth Rating (17) in the null industry is somewhat better than the same rating for CZFS (72). This means that STEL’s stock grew somewhat faster than CZFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZFSSTEL
RSI
ODDS (%)
Bearish Trend 2 days ago
53%
Bearish Trend 2 days ago
73%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
44%
Bearish Trend 2 days ago
59%
Momentum
ODDS (%)
Bullish Trend 2 days ago
68%
Bullish Trend 2 days ago
52%
MACD
ODDS (%)
Bullish Trend 2 days ago
71%
Bullish Trend 2 days ago
50%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
63%
Bullish Trend 2 days ago
55%
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
57%
Declines
ODDS (%)
Bearish Trend 9 days ago
64%
Bearish Trend 11 days ago
66%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
55%
Bearish Trend 2 days ago
56%
Aroon
ODDS (%)
Bullish Trend 2 days ago
56%
Bullish Trend 2 days ago
48%
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CZFS
Daily Signal:
Gain/Loss:
STEL
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 75% 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%
+1.43%
MCBS - CZFS
75%
Closely correlated
+1.95%
UVSP - CZFS
73%
Closely correlated
+0.34%
SBSI - CZFS
72%
Closely correlated
+0.81%
FCF - CZFS
72%
Closely correlated
+1.61%
STEL - CZFS
71%
Closely correlated
+2.06%
More

STEL and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To STEL
1D Price
Change %
STEL100%
+2.06%
TRST - STEL
91%
Closely correlated
+0.73%
CAC - STEL
90%
Closely correlated
+2.48%
WASH - STEL
90%
Closely correlated
+2.38%
UBSI - STEL
90%
Closely correlated
+1.66%
FSBC - STEL
89%
Closely correlated
+1.08%
More