USCB Financial (USCB) Competitors

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

Is USCB or CLBK more profitable?

USCB Financial has a net margin of 17.14% compared to Columbia Financial's net margin of -2.39%. USCB Financial's return on equity of 12.14% beat Columbia Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
USCB Financial	17.14%	12.14%	0.99%
Columbia Financial	-2.39%	2.20%	0.22%

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

61.3% of USCB Financial shares are held by institutional investors. Comparatively, 12.7% of Columbia Financial shares are held by institutional investors. 48.5% of USCB Financial shares are held by company insiders. Comparatively, 3.4% of Columbia Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Which has preferable earnings and valuation, USCB or CLBK?

USCB Financial has higher earnings, but lower revenue than Columbia Financial. Columbia Financial 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	$82.68M	4.11	$24.67M	$1.38	12.29
Columbia Financial	$179.88M	7.84	-$11.65M	-$0.12	-112.25

Does the media prefer USCB or CLBK?

In the previous week, USCB Financial had 12 more articles in the media than Columbia Financial. MarketBeat recorded 17 mentions for USCB Financial and 5 mentions for Columbia Financial. Columbia Financial's average media sentiment score of 0.69 beat USCB Financial's score of 0.56 indicating that Columbia Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
USCB Financial	2 Very Positive mention(s)	4 Positive mention(s)	6 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive
Columbia Financial	1 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Does the MarketBeat Community favor USCB or CLBK?

Columbia Financial received 124 more outperform votes than USCB Financial when rated by MarketBeat users. Likewise, 67.98% of users gave Columbia Financial 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%
Columbia Financial	Outperform Votes 138 67.98%	Underperform Votes 65 32.02%

Do analysts prefer USCB or CLBK?

USCB Financial currently has a consensus target price of $19.00, suggesting a potential upside of 12.03%. Given USCB Financial's stronger consensus rating and higher possible upside, analysts plainly believe USCB Financial is more favorable than Columbia 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
Columbia Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Which has more risk and volatility, USCB or CLBK?

USCB Financial has a beta of 0.65, meaning that its share price is 35% less volatile than the S&P 500. Comparatively, Columbia Financial has a beta of 0.13, meaning that its share price is 87% less volatile than the S&P 500.

Summary

USCB Financial beats Columbia Financial on 13 of the 18 factors compared between the two stocks.