CZNC
Price
$21.45
Change
-$0.16 (-0.74%)
Updated
Jan 16 closing price
Capitalization
381.85M
One day until earnings call
Intraday BUY SELL Signals
FRBA
Price
$16.89
Change
-$0.16 (-0.94%)
Updated
Jan 16 closing price
Capitalization
419.05M
8 days until earnings call
Intraday BUY SELL Signals
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CZNC vs FRBA

Header iconCZNC vs FRBA Comparison
Open Charts CZNC vs FRBABanner chart's image
Citizens & Northern
Price$21.45
Change-$0.16 (-0.74%)
Volume$81.39K
Capitalization381.85M
First Bank
Price$16.89
Change-$0.16 (-0.94%)
Volume$37.66K
Capitalization419.05M
CZNC vs FRBA Comparison Chart in %
CZNC
Daily Signal:
Gain/Loss:
FRBA
Daily Signal:
Gain/Loss:
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CZNC vs. FRBA commentary
Jan 18, 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 CZNC is a Hold and FRBA is a Hold.

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COMPARISON
Comparison
Jan 18, 2026
Stock price -- (CZNC: $21.45 vs. FRBA: $16.89)
Brand notoriety: CZNC and FRBA are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZNC: 131% vs. FRBA: 62%
Market capitalization -- CZNC: $381.85M vs. FRBA: $419.05M
CZNC [@Regional Banks] is valued at $381.85M. FRBA’s [@Regional Banks] market capitalization is $419.05M. The market cap for tickers in the [@Regional Banks] industry ranges from $158.52B to $0. The average market capitalization across the [@Regional Banks] industry is $8.86B.

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).

CZNC’s FA Score shows that 0 FA rating(s) are green whileFRBA’s FA Score has 2 green FA rating(s).

  • CZNC’s FA Score: 0 green, 5 red.
  • FRBA’s FA Score: 2 green, 3 red.
According to our system of comparison, FRBA is a better buy in the long-term than CZNC.

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.

CZNC’s TA Score shows that 4 TA indicator(s) are bullish while FRBA’s TA Score has 3 bullish TA indicator(s).

  • CZNC’s TA Score: 4 bullish, 5 bearish.
  • FRBA’s TA Score: 3 bullish, 5 bearish.
According to our system of comparison, CZNC is a better buy in the short-term than FRBA.

Price Growth

CZNC (@Regional Banks) experienced а +4.79% price change this week, while FRBA (@Regional Banks) price change was +1.81% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +1.07%. For the same industry, the average monthly price growth was +1.76%, and the average quarterly price growth was +14.63%.

Reported Earning Dates

CZNC is expected to report earnings on Jan 19, 2026.

FRBA is expected to report earnings on Jan 26, 2026.

Industries' Descriptions

@Regional Banks (+1.07% 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
FRBA($419M) has a higher market cap than CZNC($382M). CZNC has higher P/E ratio than FRBA: CZNC (12.26) vs FRBA (10.24). CZNC YTD gains are higher at: 6.346 vs. FRBA (2.612). CZNC has less debt than FRBA: CZNC (173M) vs FRBA (336M). FRBA has higher revenues than CZNC: FRBA (143M) vs CZNC (112M).
CZNCFRBACZNC / FRBA
Capitalization382M419M91%
EBITDAN/AN/A-
Gain YTD6.3462.612243%
P/E Ratio12.2610.24120%
Revenue112M143M78%
Total CashN/A35.9M-
Total Debt173M336M51%
FUNDAMENTALS RATINGS
CZNC vs FRBA: Fundamental Ratings
CZNC
FRBA
OUTLOOK RATING
1..100
5163
VALUATION
overvalued / fair valued / undervalued
1..100
69
Overvalued
33
Fair valued
PROFIT vs RISK RATING
1..100
5743
SMR RATING
1..100
4839
PRICE GROWTH RATING
1..100
4951
P/E GROWTH RATING
1..100
5829
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.

FRBA's Valuation (33) in the Regional Banks industry is somewhat better than the same rating for CZNC (69). This means that FRBA’s stock grew somewhat faster than CZNC’s over the last 12 months.

FRBA's Profit vs Risk Rating (43) in the Regional Banks industry is in the same range as CZNC (57). This means that FRBA’s stock grew similarly to CZNC’s over the last 12 months.

FRBA's SMR Rating (39) in the Regional Banks industry is in the same range as CZNC (48). This means that FRBA’s stock grew similarly to CZNC’s over the last 12 months.

CZNC's Price Growth Rating (49) in the Regional Banks industry is in the same range as FRBA (51). This means that CZNC’s stock grew similarly to FRBA’s over the last 12 months.

FRBA's P/E Growth Rating (29) in the Regional Banks industry is in the same range as CZNC (58). This means that FRBA’s stock grew similarly to CZNC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZNCFRBA
RSI
ODDS (%)
Bearish Trend 3 days ago
74%
Bearish Trend 3 days ago
81%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
55%
Bearish Trend 3 days ago
61%
Momentum
ODDS (%)
Bullish Trend 3 days ago
51%
Bullish Trend 3 days ago
67%
MACD
ODDS (%)
Bullish Trend 3 days ago
50%
Bearish Trend 3 days ago
61%
TrendWeek
ODDS (%)
Bullish Trend 3 days ago
52%
Bullish Trend 3 days ago
59%
TrendMonth
ODDS (%)
Bearish Trend 3 days ago
44%
Bearish Trend 3 days ago
59%
Advances
ODDS (%)
Bullish Trend 4 days ago
48%
Bullish Trend 4 days ago
53%
Declines
ODDS (%)
Bearish Trend 12 days ago
47%
Bearish Trend 7 days ago
61%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
58%
Bearish Trend 3 days ago
62%
Aroon
ODDS (%)
Bearish Trend 3 days ago
45%
Bullish Trend 3 days ago
66%
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CZNC
Daily Signal:
Gain/Loss:
FRBA
Daily Signal:
Gain/Loss:
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CZNC and

Correlation & Price change

A.I.dvisor indicates that over the last year, CZNC has been closely correlated with MCBS. These tickers have moved in lockstep 73% of the time. This A.I.-generated data suggests there is a high statistical probability that if CZNC jumps, then MCBS could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZNC
1D Price
Change %
CZNC100%
-0.74%
MCBS - CZNC
73%
Closely correlated
-0.29%
WTBA - CZNC
72%
Closely correlated
-0.66%
FCBC - CZNC
71%
Closely correlated
+0.87%
FRBA - CZNC
70%
Closely correlated
-0.94%
HBT - CZNC
70%
Closely correlated
N/A
More

FRBA and

Correlation & Price change

A.I.dvisor indicates that over the last year, FRBA has been closely correlated with STBA. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if FRBA jumps, then STBA could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FRBA
1D Price
Change %
FRBA100%
-0.94%
STBA - FRBA
82%
Closely correlated
-0.83%
FMBH - FRBA
80%
Closely correlated
+0.02%
BHRB - FRBA
80%
Closely correlated
-0.81%
OSBC - FRBA
80%
Closely correlated
-1.57%
SRCE - FRBA
80%
Closely correlated
-1.02%
More