CZWI
Price
$14.77
Change
-$0.00 (-0.00%)
Updated
Jul 25 closing price
Capitalization
127.47M
One day until earnings call
UCB
Price
$31.54
Change
+$0.17 (+0.54%)
Updated
Jul 25 closing price
Capitalization
3.13B
86 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$14.77
Change-$0.00 (-0.00%)
Volume$17.59K
Capitalization127.47M
United Community Banks
Price$31.54
Change+$0.17 (+0.54%)
Volume$805.84K
Capitalization3.13B
CZWI vs UCB Comparison Chart in %
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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 vs. UCB commentary
Jul 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 CZWI is a Hold and UCB is a StrongBuy.

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COMPARISON
Comparison
Jul 27, 2025
Stock price -- (CZWI: $14.77 vs. UCB: $31.54)
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: 28% vs. UCB: 122%
Market capitalization -- CZWI: $127.47M vs. UCB: $3.13B
CZWI [@Regional Banks] is valued at $127.47M. UCB’s [@Regional Banks] market capitalization is $3.13B. The market cap for tickers in the [@Regional Banks] industry ranges from $133.96B to $0. The average market capitalization across the [@Regional Banks] industry is $6.03B.

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 3 TA indicator(s) are bullish while UCB’s TA Score has 3 bullish TA indicator(s).

  • CZWI’s TA Score: 3 bullish, 7 bearish.
  • UCB’s TA Score: 3 bullish, 5 bearish.
According to our system of comparison, both CZWI and UCB are a bad buy in the short-term.

Price Growth

CZWI (@Regional Banks) experienced а -1.01% price change this week, while UCB (@Regional Banks) price change was -0.57% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.51%. For the same industry, the average monthly price growth was +4.61%, and the average quarterly price growth was +10.19%.

Reported Earning Dates

CZWI is expected to report earnings on Jul 28, 2025.

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

Industries' Descriptions

@Regional Banks (+0.51% 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($3.13B) has a higher market cap than CZWI($127M). UCB has higher P/E ratio than CZWI: UCB (16.42) vs CZWI (9.75). UCB YTD gains are higher at: -0.718 vs. CZWI (-7.230). CZWI has less debt than UCB: CZWI (147M) vs UCB (325M). UCB has higher revenues than CZWI: UCB (872M) vs CZWI (58.5M).
CZWIUCBCZWI / UCB
Capitalization127M3.13B4%
EBITDAN/AN/A-
Gain YTD-7.230-0.7181,008%
P/E Ratio9.7516.4259%
Revenue58.5M872M7%
Total CashN/A201M-
Total Debt147M325M45%
FUNDAMENTALS RATINGS
CZWI vs UCB: Fundamental Ratings
CZWI
UCB
OUTLOOK RATING
1..100
727
VALUATION
overvalued / fair valued / undervalued
1..100
27
Undervalued
65
Fair valued
PROFIT vs RISK RATING
1..100
4053
SMR RATING
1..100
5211
PRICE GROWTH RATING
1..100
5150
P/E GROWTH RATING
1..100
3786
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.

CZWI's Valuation (27) in the Savings Banks industry is somewhat better than the same rating for UCB (65) 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 (40) in the Savings Banks industry is in the same range as UCB (53) 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 (11) in the Regional Banks industry is somewhat better than the same rating for CZWI (52) in the Savings Banks industry. This means that UCB’s stock grew somewhat faster than CZWI’s over the last 12 months.

UCB's Price Growth Rating (50) in the Regional Banks industry is in the same range as CZWI (51) in the Savings Banks industry. This means that UCB’s stock grew similarly to CZWI’s over the last 12 months.

CZWI's P/E Growth Rating (37) in the Savings Banks industry is somewhat better than the same rating for UCB (86) 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
50%
Bearish Trend 3 days ago
72%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
41%
Bearish Trend 3 days ago
66%
Momentum
ODDS (%)
Bearish Trend 3 days ago
39%
Bullish Trend 3 days ago
59%
MACD
ODDS (%)
Bearish Trend 3 days ago
34%
Bearish Trend 3 days ago
63%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
47%
Bearish Trend 3 days ago
69%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
57%
Bullish Trend 3 days ago
59%
Advances
ODDS (%)
Bullish Trend 5 days ago
61%
Bullish Trend 11 days ago
61%
Declines
ODDS (%)
Bearish Trend 17 days ago
41%
Bearish Trend 6 days ago
70%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
56%
Bearish Trend 3 days ago
60%
Aroon
ODDS (%)
Bearish Trend 3 days ago
47%
Bullish Trend 3 days ago
54%
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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 SHBI. These tickers have moved in lockstep 55% of the time. This A.I.-generated data suggests there is some statistical probability that if CZWI jumps, then SHBI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CZWI
1D Price
Change %
CZWI100%
N/A
SHBI - CZWI
55%
Loosely correlated
-1.37%
UCB - CZWI
53%
Loosely correlated
+0.54%
FITB - CZWI
52%
Loosely correlated
+0.35%
FNB - CZWI
52%
Loosely correlated
+0.32%
EQBK - CZWI
52%
Loosely correlated
-0.96%
More

UCB and

Correlation & Price change

A.I.dvisor indicates that over the last year, UCB has been closely correlated with ABCB. These tickers have moved in lockstep 93% of the time. This A.I.-generated data suggests there is a high statistical probability that if UCB jumps, then ABCB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UCB
1D Price
Change %
UCB100%
+0.54%
ABCB - UCB
93%
Closely correlated
+1.13%
FNB - UCB
92%
Closely correlated
+0.32%
HWC - UCB
91%
Closely correlated
+0.58%
SSB - UCB
91%
Closely correlated
+0.61%
CATY - UCB
91%
Closely correlated
-0.73%
More