CZNC
Price
$23.49
Change
-$0.03 (-0.13%)
Updated
Feb 6 closing price
Capitalization
419.74M
68 days until earnings call
Intraday BUY SELL Signals
SMBC
Price
$65.50
Change
-$0.04 (-0.06%)
Updated
Feb 6 closing price
Capitalization
730.63M
86 days until earnings call
Intraday BUY SELL Signals
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CZNC vs SMBC

Header iconCZNC vs SMBC Comparison
Open Charts CZNC vs SMBCBanner chart's image
Citizens & Northern
Price$23.49
Change-$0.03 (-0.13%)
Volume$81.57K
Capitalization419.74M
Southern Missouri Ban
Price$65.50
Change-$0.04 (-0.06%)
Volume$54.03K
Capitalization730.63M
CZNC vs SMBC Comparison Chart in %
CZNC
Daily Signal:
Gain/Loss:
SMBC
Daily Signal:
Gain/Loss:
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CZNC vs. SMBC commentary
Feb 08, 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 StrongBuy and SMBC is a Buy.

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COMPARISON
Comparison
Feb 08, 2026
Stock price -- (CZNC: $23.49 vs. SMBC: $65.50)
Brand notoriety: CZNC and SMBC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZNC: 128% vs. SMBC: 107%
Market capitalization -- CZNC: $419.74M vs. SMBC: $730.63M
CZNC [@Regional Banks] is valued at $419.74M. SMBC’s [@Regional Banks] market capitalization is $730.63M. The market cap for tickers in the [@Regional Banks] industry ranges from $160.35B to $0. The average market capitalization across the [@Regional Banks] industry is $9.28B.

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 1 FA rating(s) are green whileSMBC’s FA Score has 1 green FA rating(s).

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

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

Price Growth

CZNC (@Regional Banks) experienced а +4.49% price change this week, while SMBC (@Regional Banks) price change was +4.68% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +2.80%. For the same industry, the average monthly price growth was +6.64%, and the average quarterly price growth was +19.72%.

Reported Earning Dates

CZNC is expected to report earnings on Apr 16, 2026.

SMBC is expected to report earnings on May 04, 2026.

Industries' Descriptions

@Regional Banks (+2.80% 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
SMBC($731M) has a higher market cap than CZNC($420M). CZNC has higher P/E ratio than SMBC: CZNC (16.13) vs SMBC (12.01). CZNC YTD gains are higher at: 17.911 vs. SMBC (10.792). SMBC has less debt than CZNC: SMBC (125M) vs CZNC (173M). SMBC has higher revenues than CZNC: SMBC (188M) vs CZNC (112M).
CZNCSMBCCZNC / SMBC
Capitalization420M731M57%
EBITDAN/AN/A-
Gain YTD17.91110.792166%
P/E Ratio16.1312.01134%
Revenue112M188M60%
Total CashN/AN/A-
Total Debt173M125M138%
FUNDAMENTALS RATINGS
CZNC vs SMBC: Fundamental Ratings
CZNC
SMBC
OUTLOOK RATING
1..100
812
VALUATION
overvalued / fair valued / undervalued
1..100
77
Overvalued
45
Fair valued
PROFIT vs RISK RATING
1..100
5141
SMR RATING
1..100
4733
PRICE GROWTH RATING
1..100
4244
P/E GROWTH RATING
1..100
2870
SEASONALITY SCORE
1..100
5075

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.

SMBC's Valuation (45) in the Savings Banks industry is in the same range as CZNC (77) in the Regional Banks industry. This means that SMBC’s stock grew similarly to CZNC’s over the last 12 months.

SMBC's Profit vs Risk Rating (41) in the Savings Banks industry is in the same range as CZNC (51) in the Regional Banks industry. This means that SMBC’s stock grew similarly to CZNC’s over the last 12 months.

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

CZNC's Price Growth Rating (42) in the Regional Banks industry is in the same range as SMBC (44) in the Savings Banks industry. This means that CZNC’s stock grew similarly to SMBC’s over the last 12 months.

CZNC's P/E Growth Rating (28) in the Regional Banks industry is somewhat better than the same rating for SMBC (70) in the Savings Banks industry. This means that CZNC’s stock grew somewhat faster than SMBC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZNCSMBC
RSI
ODDS (%)
Bearish Trend 2 days ago
80%
N/A
Stochastic
ODDS (%)
Bearish Trend 2 days ago
57%
Bearish Trend 2 days ago
56%
Momentum
ODDS (%)
Bullish Trend 2 days ago
48%
Bullish Trend 2 days ago
55%
MACD
ODDS (%)
Bullish Trend 2 days ago
46%
Bullish Trend 2 days ago
69%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
51%
Bullish Trend 2 days ago
65%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
46%
Bullish Trend 2 days ago
57%
Advances
ODDS (%)
Bullish Trend 4 days ago
47%
Bullish Trend 3 days ago
64%
Declines
ODDS (%)
Bearish Trend 2 days ago
46%
Bearish Trend 19 days ago
60%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
64%
Bearish Trend 2 days ago
60%
Aroon
ODDS (%)
Bullish Trend 2 days ago
45%
Bullish Trend 2 days ago
55%
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CZNC
Daily Signal:
Gain/Loss:
SMBC
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 BFST. These tickers have moved in lockstep 81% of the time. This A.I.-generated data suggests there is a high statistical probability that if CZNC jumps, then BFST could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZNC
1D Price
Change %
CZNC100%
-0.13%
BFST - CZNC
81%
Closely correlated
+0.47%
HTBK - CZNC
80%
Closely correlated
+2.16%
TRST - CZNC
79%
Closely correlated
-0.32%
FSBC - CZNC
79%
Closely correlated
+0.63%
SMBC - CZNC
79%
Closely correlated
-0.06%
More

SMBC and

Correlation & Price change

A.I.dvisor indicates that over the last year, SMBC has been closely correlated with BY. These tickers have moved in lockstep 92% of the time. This A.I.-generated data suggests there is a high statistical probability that if SMBC jumps, then BY could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SMBC
1D Price
Change %
SMBC100%
-0.06%
BY - SMBC
92%
Closely correlated
+0.75%
FMBH - SMBC
91%
Closely correlated
+1.34%
UBSI - SMBC
91%
Closely correlated
+1.79%
TCBK - SMBC
91%
Closely correlated
+0.52%
SBSI - SMBC
91%
Closely correlated
+0.18%
More