CZNC
Price
$19.90
Change
+$0.12 (+0.61%)
Updated
Sep 26 closing price
Capitalization
308.75M
19 days until earnings call
MBWM
Price
$45.80
Change
+$0.04 (+0.09%)
Updated
Sep 26 closing price
Capitalization
744.19M
24 days until earnings call
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CZNC vs MBWM

Header iconCZNC vs MBWM Comparison
Open Charts CZNC vs MBWMBanner chart's image
Citizens & Northern
Price$19.90
Change+$0.12 (+0.61%)
Volume$23.75K
Capitalization308.75M
Mercantile Bank
Price$45.80
Change+$0.04 (+0.09%)
Volume$52.8K
Capitalization744.19M
CZNC vs MBWM Comparison Chart in %
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CZNC
Daily Signalchanged days ago
Gain/Loss if bought
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MBWM
Daily Signalchanged days ago
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CZNC vs. MBWM commentary
Sep 28, 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 Buy and MBWM is a StrongBuy.

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COMPARISON
Comparison
Sep 28, 2025
Stock price -- (CZNC: $19.90 vs. MBWM: $45.80)
Brand notoriety: CZNC and MBWM are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZNC: 59% vs. MBWM: 89%
Market capitalization -- CZNC: $308.75M vs. MBWM: $744.19M
CZNC [@Regional Banks] is valued at $308.75M. MBWM’s [@Regional Banks] market capitalization is $744.19M. The market cap for tickers in the [@Regional Banks] industry ranges from $163.52B to $0. The average market capitalization across the [@Regional Banks] industry is $7.83B.

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 whileMBWM’s FA Score has 3 green FA rating(s).

  • CZNC’s FA Score: 0 green, 5 red.
  • MBWM’s FA Score: 3 green, 2 red.
According to our system of comparison, MBWM 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 MBWM’s TA Score has 3 bullish TA indicator(s).

  • CZNC’s TA Score: 4 bullish, 5 bearish.
  • MBWM’s TA Score: 3 bullish, 6 bearish.
According to our system of comparison, CZNC is a better buy in the short-term than MBWM.

Price Growth

CZNC (@Regional Banks) experienced а -0.85% price change this week, while MBWM (@Regional Banks) price change was -2.55% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.08%. For the same industry, the average monthly price growth was +1.32%, and the average quarterly price growth was +13.92%.

Reported Earning Dates

CZNC is expected to report earnings on Oct 16, 2025.

MBWM is expected to report earnings on Oct 21, 2025.

Industries' Descriptions

@Regional Banks (+0.08% 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
MBWM($744M) has a higher market cap than CZNC($309M). CZNC has higher P/E ratio than MBWM: CZNC (11.37) vs MBWM (9.11). CZNC YTD gains are higher at: 11.713 vs. MBWM (5.491). CZNC has less debt than MBWM: CZNC (184M) vs MBWM (496M). MBWM has higher revenues than CZNC: MBWM (235M) vs CZNC (110M).
CZNCMBWMCZNC / MBWM
Capitalization309M744M42%
EBITDAN/AN/A-
Gain YTD11.7135.491213%
P/E Ratio11.379.11125%
Revenue110M235M47%
Total CashN/A98.9M-
Total Debt184M496M37%
FUNDAMENTALS RATINGS
CZNC vs MBWM: Fundamental Ratings
CZNC
MBWM
OUTLOOK RATING
1..100
6353
VALUATION
overvalued / fair valued / undervalued
1..100
65
Fair valued
32
Undervalued
PROFIT vs RISK RATING
1..100
5219
SMR RATING
1..100
4726
PRICE GROWTH RATING
1..100
5759
P/E GROWTH RATING
1..100
6138
SEASONALITY SCORE
1..100
1950

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.

MBWM's Valuation (32) in the Regional Banks industry is somewhat better than the same rating for CZNC (65). This means that MBWM’s stock grew somewhat faster than CZNC’s over the last 12 months.

MBWM's Profit vs Risk Rating (19) in the Regional Banks industry is somewhat better than the same rating for CZNC (52). This means that MBWM’s stock grew somewhat faster than CZNC’s over the last 12 months.

MBWM's SMR Rating (26) in the Regional Banks industry is in the same range as CZNC (47). This means that MBWM’s stock grew similarly to CZNC’s over the last 12 months.

CZNC's Price Growth Rating (57) in the Regional Banks industry is in the same range as MBWM (59). This means that CZNC’s stock grew similarly to MBWM’s over the last 12 months.

MBWM's P/E Growth Rating (38) in the Regional Banks industry is in the same range as CZNC (61). This means that MBWM’s stock grew similarly to CZNC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZNCMBWM
RSI
ODDS (%)
Bearish Trend 4 days ago
78%
N/A
Stochastic
ODDS (%)
Bullish Trend 3 days ago
56%
Bullish Trend 3 days ago
77%
Momentum
ODDS (%)
Bearish Trend 3 days ago
52%
Bearish Trend 3 days ago
62%
MACD
ODDS (%)
Bearish Trend 3 days ago
54%
Bearish Trend 3 days ago
63%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
48%
Bearish Trend 3 days ago
61%
TrendMonth
ODDS (%)
Bearish Trend 3 days ago
46%
Bearish Trend 3 days ago
54%
Advances
ODDS (%)
Bullish Trend 11 days ago
51%
Bullish Trend 11 days ago
67%
Declines
ODDS (%)
Bearish Trend 6 days ago
46%
Bearish Trend 4 days ago
59%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
66%
Bullish Trend 3 days ago
83%
Aroon
ODDS (%)
Bullish Trend 3 days ago
63%
Bearish Trend 3 days ago
49%
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CZNC
Daily Signalchanged days ago
Gain/Loss if bought
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MBWM
Daily Signalchanged days ago
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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 73% 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%
+0.61%
FRBA - CZNC
73%
Closely correlated
+0.12%
BFST - CZNC
73%
Closely correlated
+1.00%
MCBS - CZNC
72%
Closely correlated
-0.38%
MBWM - CZNC
71%
Closely correlated
+0.09%
SMBC - CZNC
70%
Closely correlated
-0.35%
More

MBWM and

Correlation & Price change

A.I.dvisor indicates that over the last year, MBWM has been closely correlated with PEBO. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if MBWM jumps, then PEBO could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To MBWM
1D Price
Change %
MBWM100%
+0.09%
PEBO - MBWM
90%
Closely correlated
+0.46%
CTBI - MBWM
89%
Closely correlated
+0.88%
SBSI - MBWM
89%
Closely correlated
+0.35%
HOPE - MBWM
88%
Closely correlated
+0.37%
STBA - MBWM
88%
Closely correlated
N/A
More