CZNC
Price
$19.33
Change
+$0.10 (+0.52%)
Updated
Oct 20, 04:59 PM (EDT)
Capitalization
342.06M
Earnings call today
Intraday Buy/Sell Signals
MCBS
Price
$26.08
Change
-$0.25 (-0.95%)
Updated
Oct 20, 04:59 PM (EDT)
Capitalization
672.41M
98 days until earnings call
Intraday Buy/Sell Signals
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CZNC vs MCBS

Header iconCZNC vs MCBS Comparison
Open Charts CZNC vs MCBSBanner chart's image
Citizens & Northern
Price$19.33
Change+$0.10 (+0.52%)
Volume$400
Capitalization342.06M
MetroCity Bankshares
Price$26.08
Change-$0.25 (-0.95%)
Volume$900
Capitalization672.41M
CZNC vs MCBS Comparison Chart in %
CZNC
Daily Signalchanged days ago
Gain/Loss if bought
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MCBS
Daily Signalchanged days ago
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CZNC vs. MCBS commentary
Oct 21, 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 Hold and MCBS is a Hold.

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COMPARISON
Comparison
Oct 21, 2025
Stock price -- (CZNC: $19.23 vs. MCBS: $26.33)
Brand notoriety: CZNC and MCBS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZNC: 129% vs. MCBS: 162%
Market capitalization -- CZNC: $344.55M vs. MCBS: $668.07M
CZNC [@Regional Banks] is valued at $344.55M. MCBS’s [@Regional Banks] market capitalization is $668.07M. The market cap for tickers in the [@Regional Banks] industry ranges from $175.08B to $0. The average market capitalization across the [@Regional Banks] industry is $7.71B.

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

  • CZNC’s FA Score: 0 green, 5 red.
  • MCBS’s FA Score: 1 green, 4 red.
According to our system of comparison, both CZNC and MCBS are a bad buy in the long-term.

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 3 TA indicator(s) are bullish while MCBS’s TA Score has 4 bullish TA indicator(s).

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

Price Growth

CZNC (@Regional Banks) experienced а -0.21% price change this week, while MCBS (@Regional Banks) price change was +0.30% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.05%. For the same industry, the average monthly price growth was -1.33%, and the average quarterly price growth was +14.21%.

Reported Earning Dates

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

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

Industries' Descriptions

@Regional Banks (-0.05% 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
MCBS($672M) has a higher market cap than CZNC($342M). CZNC has higher P/E ratio than MCBS: CZNC (10.99) vs MCBS (10.17). CZNC YTD gains are higher at: 7.952 vs. MCBS (-15.573). CZNC has less debt than MCBS: CZNC (184M) vs MCBS (433M). MCBS has higher revenues than CZNC: MCBS (145M) vs CZNC (110M).
CZNCMCBSCZNC / MCBS
Capitalization342M672M51%
EBITDAN/AN/A-
Gain YTD7.952-15.573-51%
P/E Ratio10.9910.17108%
Revenue110M145M76%
Total CashN/A279M-
Total Debt184M433M42%
FUNDAMENTALS RATINGS
CZNC vs MCBS: Fundamental Ratings
CZNC
MCBS
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
68
Overvalued
58
Fair valued
PROFIT vs RISK RATING
1..100
4837
SMR RATING
1..100
4733
PRICE GROWTH RATING
1..100
5878
P/E GROWTH RATING
1..100
6873
SEASONALITY SCORE
1..100
9085

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.

MCBS's Valuation (58) in the null industry is in the same range as CZNC (68) in the Regional Banks industry. This means that MCBS’s stock grew similarly to CZNC’s over the last 12 months.

MCBS's Profit vs Risk Rating (37) in the null industry is in the same range as CZNC (48) in the Regional Banks industry. This means that MCBS’s stock grew similarly to CZNC’s over the last 12 months.

MCBS's SMR Rating (33) in the null industry is in the same range as CZNC (47) in the Regional Banks industry. This means that MCBS’s stock grew similarly to CZNC’s over the last 12 months.

CZNC's Price Growth Rating (58) in the Regional Banks industry is in the same range as MCBS (78) in the null industry. This means that CZNC’s stock grew similarly to MCBS’s over the last 12 months.

CZNC's P/E Growth Rating (68) in the Regional Banks industry is in the same range as MCBS (73) in the null industry. This means that CZNC’s stock grew similarly to MCBS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZNCMCBS
RSI
ODDS (%)
N/A
Bullish Trend 4 days ago
50%
Stochastic
ODDS (%)
Bullish Trend 4 days ago
57%
Bullish Trend 4 days ago
78%
Momentum
ODDS (%)
Bearish Trend 4 days ago
50%
N/A
MACD
ODDS (%)
N/A
N/A
TrendWeek
ODDS (%)
Bearish Trend 4 days ago
48%
Bullish Trend 4 days ago
65%
TrendMonth
ODDS (%)
Bearish Trend 4 days ago
46%
Bearish Trend 4 days ago
60%
Advances
ODDS (%)
Bullish Trend 7 days ago
49%
Bullish Trend 7 days ago
67%
Declines
ODDS (%)
Bearish Trend 5 days ago
46%
Bearish Trend 5 days ago
59%
BollingerBands
ODDS (%)
Bullish Trend 4 days ago
63%
Bullish Trend 4 days ago
64%
Aroon
ODDS (%)
Bearish Trend 4 days ago
49%
Bearish Trend 4 days ago
66%
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CZNC
Daily Signalchanged days ago
Gain/Loss if bought
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MCBS
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%
+1.16%
FRBA - CZNC
73%
Closely correlated
+0.07%
BFST - CZNC
72%
Closely correlated
+0.35%
MCBS - CZNC
71%
Closely correlated
+2.17%
HBT - CZNC
70%
Closely correlated
+1.81%
MBWM - CZNC
70%
Closely correlated
+1.07%
More

MCBS and

Correlation & Price change

A.I.dvisor indicates that over the last year, MCBS has been closely correlated with IBCP. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if MCBS jumps, then IBCP could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To MCBS
1D Price
Change %
MCBS100%
+2.17%
IBCP - MCBS
88%
Closely correlated
+1.23%
BANF - MCBS
88%
Closely correlated
-1.53%
TCBK - MCBS
88%
Closely correlated
+1.06%
MBWM - MCBS
87%
Closely correlated
+1.07%
IBOC - MCBS
87%
Closely correlated
+1.22%
More