CZWI
Price
$18.36
Change
+$0.31 (+1.72%)
Updated
Dec 11 closing price
Capitalization
177.35M
52 days until earnings call
Intraday BUY SELL Signals
FBNC
Price
$53.37
Change
+$0.62 (+1.18%)
Updated
Dec 11 closing price
Capitalization
2.21B
47 days until earnings call
Intraday BUY SELL Signals
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CZWI vs FBNC

Header iconCZWI vs FBNC Comparison
Open Charts CZWI vs FBNCBanner chart's image
Citizens Community Ban
Price$18.36
Change+$0.31 (+1.72%)
Volume$40.95K
Capitalization177.35M
First Ban
Price$53.37
Change+$0.62 (+1.18%)
Volume$186.09K
Capitalization2.21B
CZWI vs FBNC Comparison Chart in %
CZWI
Daily Signal:
Gain/Loss:
FBNC
Daily Signal:
Gain/Loss:
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VS
CZWI vs. FBNC commentary
Dec 13, 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 CZWI is a StrongBuy and FBNC is a Buy.

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COMPARISON
Comparison
Dec 13, 2025
Stock price -- (CZWI: $18.36 vs. FBNC: $53.37)
Brand notoriety: CZWI and FBNC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZWI: 131% vs. FBNC: 91%
Market capitalization -- CZWI: $177.35M vs. FBNC: $2.21B
CZWI [@Regional Banks] is valued at $177.35M. FBNC’s [@Regional Banks] market capitalization is $2.21B. The market cap for tickers in the [@Regional Banks] industry ranges from $171.36B to $0. The average market capitalization across the [@Regional Banks] industry is $8.41B.

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).

CZWI’s FA Score shows that 1 FA rating(s) are green whileFBNC’s FA Score has 2 green FA rating(s).

  • CZWI’s FA Score: 1 green, 4 red.
  • FBNC’s FA Score: 2 green, 3 red.
According to our system of comparison, FBNC is a better buy in the long-term than CZWI.

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.

CZWI’s TA Score shows that 4 TA indicator(s) are bullish while FBNC’s TA Score has 6 bullish TA indicator(s).

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

Price Growth

CZWI (@Regional Banks) experienced а +2.86% price change this week, while FBNC (@Regional Banks) price change was +3.41% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +2.16%. For the same industry, the average monthly price growth was +5.32%, and the average quarterly price growth was +17.66%.

Reported Earning Dates

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

FBNC is expected to report earnings on Jan 28, 2026.

Industries' Descriptions

@Regional Banks (+2.16% 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
FBNC($2.21B) has a higher market cap than CZWI($177M). FBNC has higher P/E ratio than CZWI: FBNC (22.42) vs CZWI (14.23). FBNC YTD gains are higher at: 23.222 vs. CZWI (15.318). FBNC has less debt than CZWI: FBNC (14.9M) vs CZWI (61.7M). FBNC has higher revenues than CZWI: FBNC (373M) vs CZWI (57.9M).
CZWIFBNCCZWI / FBNC
Capitalization177M2.21B8%
EBITDAN/AN/A-
Gain YTD15.31823.22266%
P/E Ratio14.2322.4263%
Revenue57.9M373M16%
Total CashN/A139M-
Total Debt61.7M14.9M414%
FUNDAMENTALS RATINGS
CZWI vs FBNC: Fundamental Ratings
CZWI
FBNC
OUTLOOK RATING
1..100
3415
VALUATION
overvalued / fair valued / undervalued
1..100
53
Fair valued
82
Overvalued
PROFIT vs RISK RATING
1..100
3539
SMR RATING
1..100
6120
PRICE GROWTH RATING
1..100
4548
P/E GROWTH RATING
1..100
2528
SEASONALITY SCORE
1..100
1250

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.

CZWI's Valuation (53) in the Savings Banks industry is in the same range as FBNC (82) in the Regional Banks industry. This means that CZWI’s stock grew similarly to FBNC’s over the last 12 months.

CZWI's Profit vs Risk Rating (35) in the Savings Banks industry is in the same range as FBNC (39) in the Regional Banks industry. This means that CZWI’s stock grew similarly to FBNC’s over the last 12 months.

FBNC's SMR Rating (20) in the Regional Banks industry is somewhat better than the same rating for CZWI (61) in the Savings Banks industry. This means that FBNC’s stock grew somewhat faster than CZWI’s over the last 12 months.

CZWI's Price Growth Rating (45) in the Savings Banks industry is in the same range as FBNC (48) in the Regional Banks industry. This means that CZWI’s stock grew similarly to FBNC’s over the last 12 months.

CZWI's P/E Growth Rating (25) in the Savings Banks industry is in the same range as FBNC (28) in the Regional Banks industry. This means that CZWI’s stock grew similarly to FBNC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZWIFBNC
RSI
ODDS (%)
Bearish Trend 3 days ago
67%
N/A
Stochastic
ODDS (%)
Bearish Trend 3 days ago
44%
Bearish Trend 2 days ago
66%
Momentum
ODDS (%)
Bullish Trend 3 days ago
60%
Bullish Trend 2 days ago
66%
MACD
ODDS (%)
N/A
Bullish Trend 2 days ago
56%
TrendWeek
ODDS (%)
Bullish Trend 3 days ago
58%
Bullish Trend 2 days ago
64%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
54%
Bullish Trend 2 days ago
65%
Advances
ODDS (%)
Bullish Trend 3 days ago
59%
Bullish Trend 2 days ago
64%
Declines
ODDS (%)
Bearish Trend 26 days ago
46%
Bearish Trend 8 days ago
67%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
60%
Bearish Trend 2 days ago
70%
Aroon
ODDS (%)
Bullish Trend 3 days ago
49%
Bullish Trend 2 days ago
59%
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CZWI
Daily Signal:
Gain/Loss:
FBNC
Daily Signal:
Gain/Loss:
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CZWI and

Correlation & Price change

A.I.dvisor indicates that over the last year, CZWI has been loosely correlated with SMBC. These tickers have moved in lockstep 66% of the time. This A.I.-generated data suggests there is some statistical probability that if CZWI jumps, then SMBC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZWI
1D Price
Change %
CZWI100%
+1.72%
SMBC - CZWI
66%
Loosely correlated
+1.08%
TRST - CZWI
64%
Loosely correlated
+0.20%
BY - CZWI
64%
Loosely correlated
+2.09%
OSBC - CZWI
63%
Loosely correlated
+1.08%
FCCO - CZWI
63%
Loosely correlated
+1.53%
More

FBNC and

Correlation & Price change

A.I.dvisor indicates that over the last year, FBNC has been closely correlated with TRMK. These tickers have moved in lockstep 86% of the time. This A.I.-generated data suggests there is a high statistical probability that if FBNC jumps, then TRMK could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FBNC
1D Price
Change %
FBNC100%
+1.18%
TRMK - FBNC
86%
Closely correlated
+0.59%
UBSI - FBNC
86%
Closely correlated
+0.64%
TCBK - FBNC
85%
Closely correlated
+0.14%
UCB - FBNC
85%
Closely correlated
+0.12%
PFS - FBNC
85%
Closely correlated
+0.82%
More