USCB Financial (USCB) Competitors

Byline Bancorp (NYSE:BY) and USCB Financial (NASDAQ:USCB) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their risk, institutional ownership, valuation, earnings, analyst recommendations, media sentiment, dividends and profitability.

Do insiders and institutionals hold more shares of BY or USCB?

67.7% of Byline Bancorp shares are owned by institutional investors. Comparatively, 61.3% of USCB Financial shares are owned by institutional investors. 28.8% of Byline Bancorp shares are owned by insiders. Comparatively, 49.5% of USCB Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Which has more risk & volatility, BY or USCB?

Byline Bancorp has a beta of 0.91, suggesting that its share price is 9% less volatile than the S&P 500. Comparatively, USCB Financial has a beta of 0.62, suggesting that its share price is 38% less volatile than the S&P 500.

Is BY or USCB more profitable?

USCB Financial has a net margin of 19.51% compared to Byline Bancorp's net margin of 19.03%. USCB Financial's return on equity of 13.39% beat Byline Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Byline Bancorp	19.03%	10.98%	1.30%
USCB Financial	19.51%	13.39%	1.13%

Does the media favor BY or USCB?

In the previous week, USCB Financial had 7 more articles in the media than Byline Bancorp. MarketBeat recorded 12 mentions for USCB Financial and 5 mentions for Byline Bancorp. Byline Bancorp's average media sentiment score of 1.27 beat USCB Financial's score of 0.82 indicating that Byline Bancorp is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Byline Bancorp	2 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
USCB Financial	2 Very Positive mention(s)	2 Positive mention(s)	4 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do analysts prefer BY or USCB?

Byline Bancorp presently has a consensus target price of $33.25, suggesting a potential upside of 14.38%. USCB Financial has a consensus target price of $22.00, suggesting a potential upside of 26.73%. Given USCB Financial's stronger consensus rating and higher probable upside, analysts plainly believe USCB Financial is more favorable than Byline Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Byline Bancorp	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50
USCB Financial	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	1 Strong Buy rating(s)	3.33

Is BY or USCB a better dividend stock?

Byline Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.4%. USCB Financial pays an annual dividend of $0.40 per share and has a dividend yield of 2.3%. Byline Bancorp pays out 14.9% of its earnings in the form of a dividend. USCB Financial pays out 27.2% 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. Byline Bancorp has raised its dividend for 1 consecutive years and USCB Financial has raised its dividend for 2 consecutive years. USCB Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Which has preferable earnings & valuation, BY or USCB?

Byline Bancorp has higher revenue and earnings than USCB Financial. Byline Bancorp 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
Byline Bancorp	$624.78M	2.13	$120.76M	$2.68	10.85
USCB Financial	$143.97M	2.42	$24.67M	$1.47	11.81

Summary

USCB Financial beats Byline Bancorp on 11 of the 19 factors compared between the two stocks.