Head-to-head review: USCB Financial (USCB) and its rivals


USCB Financial (NASDAQ: USCBGet a rating) is one of 315 SOEs in the “state commercial banking” sector, but how does it stand out from its rivals? We will compare USCB Financial to related companies based on the strength of its institutional ownership, analyst recommendations, earnings, valuation, risk, dividends and profitability.


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

Net margins Return on equity return on assets
USCB Financial 30.81% 60.47% 5.93%
USCB Financial Competitors 28.73% 12.50% 1.32%

Insider and Institutional 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 indicates that large fund managers, hedge funds, and endowments believe a company is poised for long-term growth.

Analyst Recommendations

This is a summary of recent ratings from USCB Financial and its rivals, 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 2278 9739 7746 572 2.33

USCB Financial currently has a consensus price target of $15.50, suggesting a potential upside of 14.05%. As a group, the “State Commercial Bank” companies have an upside potential of 32.11%. Given that USCB Financial’s rivals have higher upside potential, analysts clearly believe that USCB Financial has less favorable growth aspects than its rivals.

Valuation and benefits

This table compares the gross revenue, earnings per share (EPS) and valuation of USCB Financial and its rivals.

Gross revenue Net revenue Price/earnings ratio
USCB Financial $67.42 million $21.08 million -3.46
USCB Financial Competitors $1.30 billion $321.66 million 11:50 a.m.

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

USCB Financial Company Profile (Get a rating)

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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