First Bank (FRBA) Competitors

USCB Financial (NASDAQ:USCB) and First Bank (NASDAQ:FRBA) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their valuation, profitability, earnings, community ranking, media sentiment, risk, analyst recommendations, institutional ownership and dividends.

Is USCB or FRBA more profitable?

First Bank has a net margin of 13.63% compared to First Bank's net margin of 13.08%. USCB Financial's return on equity of 12.23% beat First Bank's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
USCB Financial	13.08%	8.50%	0.69%
First Bank	13.63%	12.23%	1.25%

Does the media favor USCB or FRBA?

In the previous week, USCB Financial had 2 more articles in the media than First Bank. MarketBeat recorded 3 mentions for USCB Financial and 1 mentions for First Bank. First Bank's average media sentiment score of 1.91 beat USCB Financial's score of 0.92 indicating that USCB Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
USCB Financial	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
First Bank	0 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Is USCB or FRBA a better dividend stock?

USCB Financial pays an annual dividend of $0.20 per share and has a dividend yield of 1.7%. First Bank pays an annual dividend of $0.24 per share and has a dividend yield of 1.9%. USCB Financial pays out 26.0% of its earnings in the form of a dividend. First Bank pays out 21.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. First Bank is clearly the better dividend stock, given its higher yield and lower payout ratio.

Does the MarketBeat Community believe in USCB or FRBA?

First Bank received 234 more outperform votes than USCB Financial when rated by MarketBeat users. Likewise, 63.54% of users gave First Bank an outperform vote while only 55.56% of users gave USCB Financial an outperform vote.

Company	Underperform	Outperform
USCB Financial	Outperform Votes 10 55.56%	Underperform Votes 8 44.44%
First Bank	Outperform Votes 244 63.54%	Underperform Votes 140 36.46%

Which has better valuation and earnings, USCB or FRBA?

First Bank has higher revenue and earnings than USCB Financial. First Bank is trading at a lower price-to-earnings ratio than USCB Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
USCB Financial	$108.42M	2.13	$16.55M	$0.77	15.29
First Bank	$173.30M	1.41	$20.90M	$1.13	11.06

Do analysts recommend USCB or FRBA?

USCB Financial currently has a consensus target price of $13.33, indicating a potential upside of 13.28%. First Bank has a consensus target price of $15.00, indicating a potential upside of 20.77%. Given USCB Financial's stronger consensus rating and higher possible upside, analysts clearly believe First Bank is more favorable than USCB Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
USCB Financial	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50
First Bank	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00

Which has more risk & volatility, USCB or FRBA?

USCB Financial has a beta of 0.35, suggesting that its share price is 65% less volatile than the S&P 500. Comparatively, First Bank has a beta of 0.92, suggesting that its share price is 8% less volatile than the S&P 500.

Do insiders & institutionals believe in USCB or FRBA?

61.3% of USCB Financial shares are held by institutional investors. Comparatively, 64.9% of First Bank shares are held by institutional investors. 48.5% of USCB Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Summary

First Bank beats USCB Financial on 14 of the 20 factors compared between the two stocks.