CZNC
Price
$20.50
Change
+$0.34 (+1.69%)
Updated
Dec 3 closing price
Capitalization
364.94M
42 days until earnings call
Intraday BUY SELL Signals
FRBA
Price
$15.84
Change
+$0.06 (+0.38%)
Updated
Dec 3 closing price
Capitalization
393M
55 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$20.50
Change+$0.34 (+1.69%)
Volume$48.71K
Capitalization364.94M
First Bank
Price$15.84
Change+$0.06 (+0.38%)
Volume$70.05K
Capitalization393M
CZNC vs FRBA Comparison Chart in %
CZNC
Daily Signal:
Gain/Loss:
FRBA
Daily Signal:
Gain/Loss:
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VS
CZNC vs. FRBA commentary
Dec 04, 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 CZNC is a StrongBuy and FRBA is a StrongBuy.

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COMPARISON
Comparison
Dec 04, 2025
Stock price -- (CZNC: $20.12 vs. FRBA: $15.78)
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: 24% vs. FRBA: 85%
Market capitalization -- CZNC: $358.89M vs. FRBA: $390.77M
CZNC [@Regional Banks] is valued at $358.89M. FRBA’s [@Regional Banks] market capitalization is $390.77M. The market cap for tickers in the [@Regional Banks] industry ranges from $172.49B to $0. The average market capitalization across the [@Regional Banks] industry is $8.26B.

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 0 green FA rating(s).

  • CZNC’s FA Score: 0 green, 5 red.
  • FRBA’s FA Score: 0 green, 5 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 5 TA indicator(s) are bullish while FRBA’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

CZNC (@Regional Banks) experienced а +0.10% price change this week, while FRBA (@Regional Banks) price change was -1.56% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.92%. For the same industry, the average monthly price growth was +4.06%, and the average quarterly price growth was +13.89%.

Reported Earning Dates

CZNC is expected to report earnings on Jan 15, 2026.

FRBA is expected to report earnings on Jan 28, 2026.

Industries' Descriptions

@Regional Banks (+0.92% 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($393M) has a higher market cap than CZNC($365M). CZNC has higher P/E ratio than FRBA: CZNC (11.71) vs FRBA (9.60). CZNC (14.606) and FRBA (13.927) have similar YTD gains . CZNC has less debt than FRBA: CZNC (184M) vs FRBA (391M). FRBA has higher revenues than CZNC: FRBA (137M) vs CZNC (110M).
CZNCFRBACZNC / FRBA
Capitalization365M393M93%
EBITDAN/AN/A-
Gain YTD14.60613.927105%
P/E Ratio11.719.60122%
Revenue110M137M80%
Total CashN/A35.9M-
Total Debt184M391M47%
FUNDAMENTALS RATINGS
CZNC vs FRBA: Fundamental Ratings
CZNC
FRBA
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
68
Overvalued
34
Fair valued
PROFIT vs RISK RATING
1..100
5143
SMR RATING
1..100
4640
PRICE GROWTH RATING
1..100
5055
P/E GROWTH RATING
1..100
6637
SEASONALITY SCORE
1..100
50n/a

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 (34) in the Regional Banks industry is somewhat better than the same rating for CZNC (68). 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 (51). This means that FRBA’s stock grew similarly to CZNC’s over the last 12 months.

FRBA's SMR Rating (40) in the Regional Banks industry is in the same range as CZNC (46). This means that FRBA’s stock grew similarly to CZNC’s over the last 12 months.

CZNC's Price Growth Rating (50) in the Regional Banks industry is in the same range as FRBA (55). This means that CZNC’s stock grew similarly to FRBA’s over the last 12 months.

FRBA's P/E Growth Rating (37) in the Regional Banks industry is in the same range as CZNC (66). This means that FRBA’s stock grew similarly to CZNC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZNCFRBA
RSI
ODDS (%)
N/A
Bullish Trend 6 days ago
72%
Stochastic
ODDS (%)
Bearish Trend 6 days ago
59%
Bearish Trend 6 days ago
60%
Momentum
ODDS (%)
Bullish Trend 6 days ago
51%
Bearish Trend 6 days ago
68%
MACD
ODDS (%)
N/A
Bullish Trend 6 days ago
71%
TrendWeek
ODDS (%)
Bullish Trend 6 days ago
52%
Bullish Trend 6 days ago
59%
TrendMonth
ODDS (%)
Bullish Trend 6 days ago
46%
Bearish Trend 6 days ago
59%
Advances
ODDS (%)
Bullish Trend 8 days ago
48%
Bullish Trend 13 days ago
53%
Declines
ODDS (%)
Bearish Trend 14 days ago
46%
Bearish Trend 6 days ago
62%
BollingerBands
ODDS (%)
Bearish Trend 6 days ago
67%
Bullish Trend 6 days ago
69%
Aroon
ODDS (%)
Bullish Trend 6 days ago
41%
Bearish Trend 6 days ago
58%
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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 FRBA. These tickers have moved in lockstep 71% of the time. This A.I.-generated data suggests there is a high statistical probability that if CZNC jumps, then FRBA could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZNC
1D Price
Change %
CZNC100%
-0.20%
FRBA - CZNC
71%
Closely correlated
+0.19%
WTBA - CZNC
70%
Closely correlated
-1.07%
MCBS - CZNC
70%
Closely correlated
-0.15%
HBT - CZNC
69%
Closely correlated
+0.21%
HTB - CZNC
69%
Closely correlated
-0.75%
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 84% 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%
+0.19%
STBA - FRBA
84%
Closely correlated
-0.03%
FMBH - FRBA
83%
Closely correlated
+0.34%
BHRB - FRBA
83%
Closely correlated
-0.31%
SRCE - FRBA
83%
Closely correlated
+0.74%
CWBC - FRBA
83%
Closely correlated
-0.04%
More