CZWI
Price
$16.38
Change
+$0.06 (+0.37%)
Updated
Sep 26 closing price
Capitalization
161.68M
30 days until earnings call
UCB
Price
$31.83
Change
+$0.19 (+0.60%)
Updated
Sep 26 closing price
Capitalization
3.87B
24 days until earnings call
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CZWI vs UCB

Header iconCZWI vs UCB Comparison
Open Charts CZWI vs UCBBanner chart's image
Citizens Community Ban
Price$16.38
Change+$0.06 (+0.37%)
Volume$13.18K
Capitalization161.68M
United Community Banks
Price$31.83
Change+$0.19 (+0.60%)
Volume$433.04K
Capitalization3.87B
CZWI vs UCB Comparison Chart in %
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CZWI
Daily Signalchanged days ago
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UCB
Daily Signalchanged days ago
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CZWI vs. UCB commentary
Sep 28, 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 Buy and UCB is a StrongBuy.

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COMPARISON
Comparison
Sep 28, 2025
Stock price -- (CZWI: $16.38 vs. UCB: $31.83)
Brand notoriety: CZWI and UCB are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: CZWI: 52% vs. UCB: 71%
Market capitalization -- CZWI: $161.68M vs. UCB: $3.87B
CZWI [@Regional Banks] is valued at $161.68M. UCB’s [@Regional Banks] market capitalization is $3.87B. The market cap for tickers in the [@Regional Banks] industry ranges from $163.51B to $0. The average market capitalization across the [@Regional Banks] industry is $7.83B.

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

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

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 UCB’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

CZWI (@Regional Banks) experienced а -1.50% price change this week, while UCB (@Regional Banks) price change was -1.24% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.08%. For the same industry, the average monthly price growth was +1.32%, and the average quarterly price growth was +13.92%.

Reported Earning Dates

CZWI is expected to report earnings on Oct 27, 2025.

UCB is expected to report earnings on Oct 21, 2025.

Industries' Descriptions

@Regional Banks (+0.08% 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
UCB($3.87B) has a higher market cap than CZWI($162M). UCB has higher P/E ratio than CZWI: UCB (14.47) vs CZWI (13.21). CZWI YTD gains are higher at: 2.882 vs. UCB (0.974). CZWI has less debt than UCB: CZWI (61.7M) vs UCB (155M).
CZWIUCBCZWI / UCB
Capitalization162M3.87B4%
EBITDAN/AN/A-
Gain YTD2.8820.974296%
P/E Ratio13.2114.4791%
Revenue57.9MN/A-
Total CashN/A202M-
Total Debt61.7M155M40%
FUNDAMENTALS RATINGS
CZWI vs UCB: Fundamental Ratings
CZWI
UCB
OUTLOOK RATING
1..100
5554
VALUATION
overvalued / fair valued / undervalued
1..100
47
Fair valued
81
Overvalued
PROFIT vs RISK RATING
1..100
3651
SMR RATING
1..100
6213
PRICE GROWTH RATING
1..100
4852
P/E GROWTH RATING
1..100
2376
SEASONALITY SCORE
1..100
n/a50

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 (47) in the Savings Banks industry is somewhat better than the same rating for UCB (81) in the Regional Banks industry. This means that CZWI’s stock grew somewhat faster than UCB’s over the last 12 months.

CZWI's Profit vs Risk Rating (36) in the Savings Banks industry is in the same range as UCB (51) in the Regional Banks industry. This means that CZWI’s stock grew similarly to UCB’s over the last 12 months.

UCB's SMR Rating (13) in the Regional Banks industry is somewhat better than the same rating for CZWI (62) in the Savings Banks industry. This means that UCB’s stock grew somewhat faster than CZWI’s over the last 12 months.

CZWI's Price Growth Rating (48) in the Savings Banks industry is in the same range as UCB (52) in the Regional Banks industry. This means that CZWI’s stock grew similarly to UCB’s over the last 12 months.

CZWI's P/E Growth Rating (23) in the Savings Banks industry is somewhat better than the same rating for UCB (76) in the Regional Banks industry. This means that CZWI’s stock grew somewhat faster than UCB’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CZWIUCB
RSI
ODDS (%)
Bearish Trend 3 days ago
47%
Bearish Trend 3 days ago
81%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
41%
Bullish Trend 3 days ago
69%
Momentum
ODDS (%)
Bearish Trend 3 days ago
40%
Bearish Trend 3 days ago
67%
MACD
ODDS (%)
Bearish Trend 3 days ago
46%
Bearish Trend 3 days ago
66%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
48%
Bearish Trend 3 days ago
68%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
57%
Bearish Trend 3 days ago
65%
Advances
ODDS (%)
Bullish Trend 11 days ago
62%
Bullish Trend 3 days ago
60%
Declines
ODDS (%)
Bearish Trend 4 days ago
42%
Bearish Trend 6 days ago
69%
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
50%
Bullish Trend 3 days ago
72%
Aroon
ODDS (%)
Bullish Trend 3 days ago
56%
Bullish Trend 3 days ago
49%
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CZWI
Daily Signalchanged days ago
Gain/Loss if bought
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UCB
Daily Signalchanged days ago
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CZWI and

Correlation & Price change

A.I.dvisor indicates that over the last year, CZWI has been loosely correlated with FCCO. These tickers have moved in lockstep 56% of the time. This A.I.-generated data suggests there is some statistical probability that if CZWI jumps, then FCCO could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZWI
1D Price
Change %
CZWI100%
+0.37%
FCCO - CZWI
56%
Loosely correlated
+0.10%
SHBI - CZWI
55%
Loosely correlated
N/A
HBAN - CZWI
54%
Loosely correlated
+0.58%
THFF - CZWI
54%
Loosely correlated
+0.33%
UCB - CZWI
54%
Loosely correlated
+0.60%
More

UCB and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UCB
1D Price
Change %
UCB100%
+0.60%
FNB - UCB
92%
Closely correlated
+0.93%
FULT - UCB
91%
Closely correlated
+0.48%
HWC - UCB
91%
Closely correlated
+0.38%
WSFS - UCB
91%
Closely correlated
-0.02%
TRMK - UCB
91%
Closely correlated
+0.30%
More