CZWI
Price
$18.02
Change
-$0.02 (-0.11%)
Updated
Dec 24 closing price
Capitalization
174.07M
39 days until earnings call
Intraday BUY SELL Signals
OSBC
Price
$20.13
Change
-$0.05 (-0.25%)
Updated
Dec 24 closing price
Capitalization
1.06B
34 days until earnings call
Intraday BUY SELL Signals
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CZWI vs OSBC

Header iconCZWI vs OSBC Comparison
Open Charts CZWI vs OSBCBanner chart's image
Citizens Community Ban
Price$18.02
Change-$0.02 (-0.11%)
Volume$9.42K
Capitalization174.07M
Old Second Ban
Price$20.13
Change-$0.05 (-0.25%)
Volume$80.26K
Capitalization1.06B
CZWI vs OSBC Comparison Chart in %
CZWI
Daily Signal:
Gain/Loss:
OSBC
Daily Signal:
Gain/Loss:
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VS
CZWI vs. OSBC commentary
Dec 26, 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 OSBC is a StrongBuy.

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COMPARISON
Comparison
Dec 26, 2025
Stock price -- (CZWI: $18.02 vs. OSBC: $20.13)
Brand notoriety: CZWI and OSBC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZWI: 27% vs. OSBC: 24%
Market capitalization -- CZWI: $174.07M vs. OSBC: $1.06B
CZWI [@Regional Banks] is valued at $174.07M. OSBC’s [@Regional Banks] market capitalization is $1.06B. The market cap for tickers in the [@Regional Banks] industry ranges from $171.46B to $0. The average market capitalization across the [@Regional Banks] industry is $8.64B.

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

  • CZWI’s FA Score: 1 green, 4 red.
  • OSBC’s FA Score: 3 green, 2 red.
According to our system of comparison, OSBC 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 3 TA indicator(s) are bullish while OSBC’s TA Score has 3 bullish TA indicator(s).

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

Price Growth

CZWI (@Regional Banks) experienced а -2.33% price change this week, while OSBC (@Regional Banks) price change was -2.52% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.01%. For the same industry, the average monthly price growth was +5.44%, and the average quarterly price growth was +15.56%.

Reported Earning Dates

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

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

Industries' Descriptions

@Regional Banks (+0.01% 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
OSBC($1.06B) has a higher market cap than CZWI($174M). CZWI (13.97) and OSBC (13.60) have similar P/E ratio . OSBC YTD gains are higher at: 14.846 vs. CZWI (13.183). CZWI has less debt than OSBC: CZWI (46.8M) vs OSBC (265M). OSBC has higher revenues than CZWI: OSBC (311M) vs CZWI (60M).
CZWIOSBCCZWI / OSBC
Capitalization174M1.06B16%
EBITDAN/AN/A-
Gain YTD13.18314.84689%
P/E Ratio13.9713.60103%
Revenue60M311M19%
Total CashN/A63.5M-
Total Debt46.8M265M18%
FUNDAMENTALS RATINGS
CZWI vs OSBC: Fundamental Ratings
CZWI
OSBC
OUTLOOK RATING
1..100
2279
VALUATION
overvalued / fair valued / undervalued
1..100
53
Fair valued
61
Fair valued
PROFIT vs RISK RATING
1..100
3727
SMR RATING
1..100
6223
PRICE GROWTH RATING
1..100
4545
P/E GROWTH RATING
1..100
2416
SEASONALITY SCORE
1..100
50n/a

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 OSBC (61) in the Regional Banks industry. This means that CZWI’s stock grew similarly to OSBC’s over the last 12 months.

OSBC's Profit vs Risk Rating (27) in the Regional Banks industry is in the same range as CZWI (37) in the Savings Banks industry. This means that OSBC’s stock grew similarly to CZWI’s over the last 12 months.

OSBC's SMR Rating (23) in the Regional Banks industry is somewhat better than the same rating for CZWI (62) in the Savings Banks industry. This means that OSBC’s stock grew somewhat faster than CZWI’s over the last 12 months.

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

OSBC's P/E Growth Rating (16) in the Regional Banks industry is in the same range as CZWI (24) in the Savings Banks industry. This means that OSBC’s stock grew similarly to CZWI’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZWIOSBC
RSI
ODDS (%)
Bearish Trend 2 days ago
59%
Bearish Trend 2 days ago
72%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
46%
Bearish Trend 2 days ago
61%
Momentum
ODDS (%)
Bearish Trend 2 days ago
32%
Bearish Trend 2 days ago
64%
MACD
ODDS (%)
Bearish Trend 2 days ago
34%
Bearish Trend 2 days ago
60%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
49%
Bearish Trend 2 days ago
57%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
55%
Bullish Trend 2 days ago
60%
Advances
ODDS (%)
Bullish Trend 15 days ago
59%
Bullish Trend 15 days ago
66%
Declines
ODDS (%)
Bearish Trend 2 days ago
45%
Bearish Trend 2 days ago
57%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
57%
Bearish Trend 2 days ago
59%
Aroon
ODDS (%)
Bullish Trend 2 days ago
50%
Bullish Trend 2 days ago
50%
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CZWI
Daily Signal:
Gain/Loss:
OSBC
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%
-0.11%
SMBC - CZWI
66%
Loosely correlated
+1.17%
BY - CZWI
64%
Loosely correlated
+0.20%
OSBC - CZWI
64%
Loosely correlated
-0.25%
TRST - CZWI
63%
Loosely correlated
+0.71%
FCCO - CZWI
63%
Loosely correlated
-0.20%
More

OSBC and

Correlation & Price change

A.I.dvisor indicates that over the last year, OSBC has been closely correlated with BY. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if OSBC jumps, then BY could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OSBC
1D Price
Change %
OSBC100%
-0.25%
BY - OSBC
87%
Closely correlated
+0.20%
ONB - OSBC
87%
Closely correlated
+0.09%
CATY - OSBC
86%
Closely correlated
+0.36%
WSFS - OSBC
86%
Closely correlated
+0.11%
HOPE - OSBC
86%
Closely correlated
+0.09%
More