CZNC
Price
$20.63
Change
-$0.03 (-0.15%)
Updated
Dec 26 closing price
Capitalization
367.79M
19 days until earnings call
Intraday BUY SELL Signals
WTBA
Price
$22.54
Change
-$0.17 (-0.75%)
Updated
Dec 26, 04:59 PM (EDT)
Capitalization
384.73M
33 days until earnings call
Intraday BUY SELL Signals
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CZNC vs WTBA

Header iconCZNC vs WTBA Comparison
Open Charts CZNC vs WTBABanner chart's image
Citizens & Northern
Price$20.63
Change-$0.03 (-0.15%)
Volume$33.46K
Capitalization367.79M
West Ban
Price$22.54
Change-$0.17 (-0.75%)
Volume$339
Capitalization384.73M
CZNC vs WTBA Comparison Chart in %
CZNC
Daily Signal:
Gain/Loss:
WTBA
Daily Signal:
Gain/Loss:
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CZNC vs. WTBA commentary
Dec 27, 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 WTBA is a StrongBuy.

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COMPARISON
Comparison
Dec 27, 2025
Stock price -- (CZNC: $20.63 vs. WTBA: $22.54)
Brand notoriety: CZNC and WTBA are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZNC: 57% vs. WTBA: 44%
Market capitalization -- CZNC: $367.25M vs. WTBA: $381.85M
CZNC [@Regional Banks] is valued at $367.25M. WTBA’s [@Regional Banks] market capitalization is $381.85M. The market cap for tickers in the [@Regional Banks] industry ranges from $170.58B to $0. The average market capitalization across the [@Regional Banks] industry is $8.63B.

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 whileWTBA’s FA Score has 0 green FA rating(s).

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

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

Price Growth

CZNC (@Regional Banks) experienced а -1.81% price change this week, while WTBA (@Regional Banks) price change was -2.84% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.29%. For the same industry, the average monthly price growth was +3.93%, and the average quarterly price growth was +15.53%.

Reported Earning Dates

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

WTBA is expected to report earnings on Jan 29, 2026.

Industries' Descriptions

@Regional Banks (-0.29% 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
WTBA($385M) and CZNC($368M) have the same market capitalization . WTBA (11.95) and CZNC (11.81) have similar P/E ratio . CZNC YTD gains are higher at: 17.682 vs. WTBA (10.189). CZNC has less debt than WTBA: CZNC (173M) vs WTBA (389M). CZNC has higher revenues than WTBA: CZNC (112M) vs WTBA (92M).
CZNCWTBACZNC / WTBA
Capitalization368M385M96%
EBITDAN/AN/A-
Gain YTD17.68210.189174%
P/E Ratio11.8111.9599%
Revenue112M92M122%
Total CashN/A26.9M-
Total Debt173M389M44%
FUNDAMENTALS RATINGS
CZNC vs WTBA: Fundamental Ratings
CZNC
WTBA
OUTLOOK RATING
1..100
7277
VALUATION
overvalued / fair valued / undervalued
1..100
66
Overvalued
42
Fair valued
PROFIT vs RISK RATING
1..100
5466
SMR RATING
1..100
4842
PRICE GROWTH RATING
1..100
4948
P/E GROWTH RATING
1..100
6085
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.

WTBA's Valuation (42) in the Financial Conglomerates industry is in the same range as CZNC (66) in the Regional Banks industry. This means that WTBA’s stock grew similarly to CZNC’s over the last 12 months.

CZNC's Profit vs Risk Rating (54) in the Regional Banks industry is in the same range as WTBA (66) in the Financial Conglomerates industry. This means that CZNC’s stock grew similarly to WTBA’s over the last 12 months.

WTBA's SMR Rating (42) in the Financial Conglomerates industry is in the same range as CZNC (48) in the Regional Banks industry. This means that WTBA’s stock grew similarly to CZNC’s over the last 12 months.

WTBA's Price Growth Rating (48) in the Financial Conglomerates industry is in the same range as CZNC (49) in the Regional Banks industry. This means that WTBA’s stock grew similarly to CZNC’s over the last 12 months.

CZNC's P/E Growth Rating (60) in the Regional Banks industry is in the same range as WTBA (85) in the Financial Conglomerates industry. This means that CZNC’s stock grew similarly to WTBA’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZNCWTBA
RSI
ODDS (%)
Bearish Trend 4 days ago
83%
Bearish Trend 4 days ago
80%
Stochastic
ODDS (%)
Bullish Trend 4 days ago
52%
Bullish Trend 4 days ago
62%
Momentum
ODDS (%)
Bearish Trend 4 days ago
49%
Bearish Trend 4 days ago
67%
MACD
ODDS (%)
Bearish Trend 4 days ago
60%
Bearish Trend 4 days ago
74%
TrendWeek
ODDS (%)
Bearish Trend 4 days ago
48%
Bearish Trend 4 days ago
68%
TrendMonth
ODDS (%)
Bullish Trend 4 days ago
47%
Bullish Trend 4 days ago
64%
Advances
ODDS (%)
Bullish Trend 13 days ago
48%
Bullish Trend 13 days ago
61%
Declines
ODDS (%)
Bearish Trend 5 days ago
47%
Bearish Trend 4 days ago
68%
BollingerBands
ODDS (%)
Bearish Trend 4 days ago
50%
Bearish Trend 4 days ago
73%
Aroon
ODDS (%)
Bullish Trend 4 days ago
43%
Bullish Trend 4 days ago
52%
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CZNC
Daily Signal:
Gain/Loss:
WTBA
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 MCBS. 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 MCBS could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZNC
1D Price
Change %
CZNC100%
+0.15%
MCBS - CZNC
72%
Closely correlated
+0.11%
WTBA - CZNC
72%
Closely correlated
-0.31%
FRBA - CZNC
71%
Closely correlated
-0.18%
FCBC - CZNC
71%
Closely correlated
-0.15%
HBT - CZNC
70%
Closely correlated
N/A
More

WTBA and

Correlation & Price change

A.I.dvisor indicates that over the last year, WTBA has been closely correlated with SMBC. These tickers have moved in lockstep 79% of the time. This A.I.-generated data suggests there is a high statistical probability that if WTBA jumps, then SMBC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To WTBA
1D Price
Change %
WTBA100%
-0.31%
SMBC - WTBA
79%
Closely correlated
+1.17%
STBA - WTBA
79%
Closely correlated
-0.34%
TMP - WTBA
79%
Closely correlated
+0.27%
SBSI - WTBA
78%
Closely correlated
-0.45%
FMBH - WTBA
78%
Closely correlated
-0.72%
More