USCB Financial (USCB) Competitors

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

Do insiders & institutionals have more ownership in USCB or PGY?

61.3% of USCB Financial shares are held by institutional investors. Comparatively, 57.1% of Pagaya Technologies shares are held by institutional investors. 48.5% of USCB Financial shares are held by insiders. Comparatively, 47.6% of Pagaya Technologies shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Does the media favor USCB or PGY?

In the previous week, Pagaya Technologies had 12 more articles in the media than USCB Financial. MarketBeat recorded 13 mentions for Pagaya Technologies and 1 mentions for USCB Financial. USCB Financial's average media sentiment score of 1.89 beat Pagaya Technologies' score of 0.78 indicating that USCB Financial is being referred to more favorably in the media.

Company	Overall Sentiment
USCB Financial	Very Positive
Pagaya Technologies	Positive

Which has more risk and volatility, USCB or PGY?

USCB Financial has a beta of 0.63, indicating that its share price is 37% less volatile than the S&P 500. Comparatively, Pagaya Technologies has a beta of 5.93, indicating that its share price is 493% more volatile than the S&P 500.

Does the MarketBeat Community favor USCB or PGY?

Pagaya Technologies received 16 more outperform votes than USCB Financial when rated by MarketBeat users. Likewise, 73.17% of users gave Pagaya Technologies an outperform vote while only 58.33% of users gave USCB Financial an outperform vote.

Company	Underperform	Outperform
USCB Financial	Outperform Votes 14 58.33%	Underperform Votes 10 41.67%
Pagaya Technologies	Outperform Votes 30 73.17%	Underperform Votes 11 26.83%

Is USCB or PGY more profitable?

USCB Financial has a net margin of 17.14% compared to Pagaya Technologies' net margin of -39.20%. USCB Financial's return on equity of 12.14% beat Pagaya Technologies' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
USCB Financial	17.14%	12.14%	0.99%
Pagaya Technologies	-39.20%	0.82%	0.36%

Which has preferable earnings and valuation, USCB or PGY?

USCB Financial has higher earnings, but lower revenue than Pagaya Technologies. Pagaya Technologies 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	$87.89M	3.61	$24.67M	$1.38	11.47
Pagaya Technologies	$1.05B	1.29	-$401.41M	-$5.07	-3.54

Do analysts rate USCB or PGY?

USCB Financial presently has a consensus target price of $19.00, indicating a potential upside of 20.03%. Pagaya Technologies has a consensus target price of $20.75, indicating a potential upside of 15.66%. Given USCB Financial's higher probable upside, research analysts clearly believe USCB Financial is more favorable than Pagaya Technologies.

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
Pagaya Technologies	0 Sell rating(s)	2 Hold rating(s)	8 Buy rating(s)	0 Strong Buy rating(s)	2.80

Summary

USCB Financial beats Pagaya Technologies on 11 of the 18 factors compared between the two stocks.