Comparison between USCB Financial (USCB) and the competition
USCB Financial (NASDAQ:USCB – Get Rating) is one of 315 public companies in the “state commercial banking” sector, but how does it differ from its competitors? We will compare USCB Financial to similar companies based on the strength of its profitability, risk, earnings, dividends, analyst recommendations, valuation and institutional ownership.
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. 10.4% of the shares of all “state commercial bank” companies are held by insiders. 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.
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 | 28.63% | 12.45% | 1.31% |
Analyst Recommendations
This is a breakdown of recent recommendations and price targets for USCB Financial and its competitors, as reported by MarketBeat.com.
| 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, suggesting 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 competitors have a higher likely upside, analysts clearly believe that USCB Financial has less favorable growth aspects than its competitors.
Valuation and benefits
This table compares the revenue, earnings per share (EPS) and valuation of USCB Financial and its competitors.
| 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 competitors have higher revenues and profits than USCB Financial. USCB Financial trades at a lower price-to-earnings ratio than its competitors, 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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