USCB Financial (USCB) Competitors

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

Does the MarketBeat Community prefer FRBA or USCB?

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

Do analysts prefer FRBA or USCB?

First Bank presently has a consensus price target of $15.00, indicating a potential upside of 18.76%. USCB Financial has a consensus price target of $13.33, indicating a potential upside of 6.75%. Given USCB Financial's stronger consensus rating and higher probable upside, analysts clearly believe First Bank is more favorable than USCB Financial.

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

Does the media refer more to FRBA or USCB?

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 1.44 beat USCB Financial's score of 1.24 indicating that USCB Financial is being referred to more favorably in the news media.

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

Do institutionals & insiders hold more shares of FRBA or USCB?

64.9% of First Bank shares are owned by institutional investors. Comparatively, 61.3% of USCB Financial shares are owned by institutional investors. 13.1% of First Bank shares are owned by insiders. Comparatively, 48.5% of USCB Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Which has more risk and volatility, FRBA or USCB?

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

Which has stronger valuation and earnings, FRBA or USCB?

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
First Bank	$173.30M	1.43	$20.90M	$1.13	11.18
USCB Financial	$65.53M	3.75	$16.55M	$0.77	16.22

Is FRBA or USCB 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
First Bank	13.63%	12.23%	1.25%
USCB Financial	13.08%	8.50%	0.69%

Is FRBA or USCB a better dividend stock?

First Bank pays an annual dividend of $0.24 per share and has a dividend yield of 1.9%. USCB Financial pays an annual dividend of $0.20 per share and has a dividend yield of 1.6%. First Bank pays out 21.2% of its earnings in the form of a dividend. USCB Financial pays out 26.0% 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.

Summary

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