Contrast USCB Financial (USCB) and the competition


USCB Financial (NASDAQ: USCB – Get Rating) is one of 315 publicly traded companies in the “state commercial banking” sector, but how does it compare to its peers? We will compare USCB Financial to related companies based on its dividend strength, profitability, risk, analyst recommendations, earnings, institutional ownership and valuation.

Analyst Notes

This is a summary of recent recommendations and price targets for USCB Financial and its peers, as reported by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
USCB Financial 0 1 2 0 2.67
USCB Financial Competitors 2279 9777 7764 576 2.33

USCB Financial currently has a consensus price target of $15.50, indicating a potential upside of 16.02%. As a group, the companies of the “state commercial banks” have an upside potential of 36.87%. Given that USCB Financial’s peers have higher upside potential, analysts clearly believe that USCB Financial has less favorable growth aspects than its peers.

Valuation and benefits

This chart compares the revenue, earnings per share (EPS), and valuation of USCB Financial and its peers.

Gross revenue Net revenue Price/earnings ratio
USCB Financial $67.42 million $21.08 million -3.40
USCB Financial Competitors $1.30 billion $321.66 million 11.27

USCB Financial’s peers have higher revenue and earnings than USCB Financial’s. USCB Financial trades at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Profitability

This table compares the net margins, return on equity and return on assets of USCB Financial and its peers.

Net margins Return on equity return on assets
USCB Financial 30.81% 60.47% 5.93%
USCB Financial Competitors 28.63% 12.45% 1.31%

Institutional and Insider Ownership

72.9% of USCB Financial shares are held by institutional investors. By comparison, 51.9% of the shares of all “state commercial bank” companies are held by institutional investors. 10.5% of the shares of all “state commercial bank” companies are held by insiders of the company. Strong institutional ownership is an indication that endowments, large fund managers, and hedge funds believe a company will outperform the market over the long term.

Summary

USCB Financial beats its peers on 6 of the 11 factors compared.

About USCB Financial (Get an evaluation)

USCB Financial Holdings, Inc. operates as a bank holding company for US Century Bank which provides various banking products and services to small and medium businesses. The company accepts checking, savings, money market and term deposit accounts; and certificates of deposit. Its lending products include residential real estate loans; commercial real estate loans; commercial and industrial loans; loans from foreign banks; and secured and unsecured consumer loans including personal loans, overdrafts and loans secured by deposit accounts. The company also offers treasury, trade payments, cash management and online banking services. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida.



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