CZNC
Price
$19.50
Change
+$0.09 (+0.46%)
Updated
Nov 13, 04:59 PM (EDT)
Capitalization
345.53M
63 days until earnings call
Intraday BUY SELL Signals
GABC
Price
$39.51
Change
+$0.09 (+0.23%)
Updated
Nov 13, 04:59 PM (EDT)
Capitalization
1.48B
81 days until earnings call
Intraday BUY SELL Signals
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CZNC vs GABC

Header iconCZNC vs GABC Comparison
Open Charts CZNC vs GABCBanner chart's image
Citizens & Northern
Price$19.50
Change+$0.09 (+0.46%)
Volume$100
Capitalization345.53M
German American Ban
Price$39.51
Change+$0.09 (+0.23%)
Volume$1.1K
Capitalization1.48B
CZNC vs GABC Comparison Chart in %
CZNC
Daily Signal:
Gain/Loss:
GABC
Daily Signal:
Gain/Loss:
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VS
CZNC vs. GABC commentary
Nov 14, 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 GABC is a Buy.

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COMPARISON
Comparison
Nov 14, 2025
Stock price -- (CZNC: $19.41 vs. GABC: $39.42)
Brand notoriety: CZNC and GABC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZNC: 121% vs. GABC: 92%
Market capitalization -- CZNC: $345.53M vs. GABC: $1.48B
CZNC [@Regional Banks] is valued at $345.53M. GABC’s [@Regional Banks] market capitalization is $1.48B. The market cap for tickers in the [@Regional Banks] industry ranges from $171.52B to $0. The average market capitalization across the [@Regional Banks] industry is $8.16B.

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 whileGABC’s FA Score has 1 green FA rating(s).

  • CZNC’s FA Score: 0 green, 5 red.
  • GABC’s FA Score: 1 green, 4 red.
According to our system of comparison, GABC 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 GABC’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

CZNC (@Regional Banks) experienced а +0.88% price change this week, while GABC (@Regional Banks) price change was -0.28% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.97%. For the same industry, the average monthly price growth was +1.50%, and the average quarterly price growth was +11.21%.

Reported Earning Dates

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

GABC is expected to report earnings on Feb 02, 2026.

Industries' Descriptions

@Regional Banks (+0.97% 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
GABC($1.48B) has a higher market cap than CZNC($346M). GABC has higher P/E ratio than CZNC: GABC (13.64) vs CZNC (11.09). CZNC YTD gains are higher at: 10.562 vs. GABC (0.957). GABC (179M) and CZNC (184M) have identical debt. GABC has higher revenues than CZNC: GABC (331M) vs CZNC (110M).
CZNCGABCCZNC / GABC
Capitalization346M1.48B23%
EBITDAN/AN/A-
Gain YTD10.5620.9571,104%
P/E Ratio11.0913.6481%
Revenue110M331M33%
Total CashN/AN/A-
Total Debt184M179M103%
FUNDAMENTALS RATINGS
CZNC vs GABC: Fundamental Ratings
CZNC
GABC
OUTLOOK RATING
1..100
87
VALUATION
overvalued / fair valued / undervalued
1..100
66
Overvalued
57
Fair valued
PROFIT vs RISK RATING
1..100
5357
SMR RATING
1..100
4623
PRICE GROWTH RATING
1..100
5656
P/E GROWTH RATING
1..100
7266
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.

GABC's Valuation (57) in the Regional Banks industry is in the same range as CZNC (66). This means that GABC’s stock grew similarly to CZNC’s over the last 12 months.

CZNC's Profit vs Risk Rating (53) in the Regional Banks industry is in the same range as GABC (57). This means that CZNC’s stock grew similarly to GABC’s over the last 12 months.

GABC's SMR Rating (23) in the Regional Banks industry is in the same range as CZNC (46). This means that GABC’s stock grew similarly to CZNC’s over the last 12 months.

GABC's Price Growth Rating (56) in the Regional Banks industry is in the same range as CZNC (56). This means that GABC’s stock grew similarly to CZNC’s over the last 12 months.

GABC's P/E Growth Rating (66) in the Regional Banks industry is in the same range as CZNC (72). This means that GABC’s stock grew similarly to CZNC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZNCGABC
RSI
ODDS (%)
N/A
Bullish Trend 2 days ago
50%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
45%
Bearish Trend 2 days ago
63%
Momentum
ODDS (%)
Bullish Trend 2 days ago
48%
Bullish Trend 2 days ago
72%
MACD
ODDS (%)
Bullish Trend 2 days ago
53%
Bullish Trend 2 days ago
51%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
52%
Bearish Trend 2 days ago
66%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
47%
Bullish Trend 2 days ago
52%
Advances
ODDS (%)
Bullish Trend 2 days ago
48%
Bullish Trend 4 days ago
56%
Declines
ODDS (%)
Bearish Trend 29 days ago
46%
Bearish Trend 2 days ago
66%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
59%
Bearish Trend 2 days ago
61%
Aroon
ODDS (%)
Bearish Trend 2 days ago
57%
Bearish Trend 2 days ago
54%
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CZNC
Daily Signal:
Gain/Loss:
GABC
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 72% 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%
+0.31%
FRBA - CZNC
72%
Closely correlated
-0.06%
BFST - CZNC
71%
Closely correlated
-0.55%
FCBC - CZNC
70%
Closely correlated
-0.11%
MCBS - CZNC
70%
Closely correlated
-0.46%
GABC - CZNC
70%
Closely correlated
-0.18%
More

GABC and

Correlation & Price change

A.I.dvisor indicates that over the last year, GABC has been closely correlated with CTBI. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if GABC jumps, then CTBI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To GABC
1D Price
Change %
GABC100%
-0.18%
CTBI - GABC
87%
Closely correlated
+0.59%
BY - GABC
87%
Closely correlated
+0.11%
CAC - GABC
87%
Closely correlated
+0.08%
IBCP - GABC
86%
Closely correlated
+0.03%
PEBO - GABC
86%
Closely correlated
+1.44%
More