USCB Financial (USCB) Competitors

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

Is QCRH or USCB more profitable?

USCB Financial has a net margin of 19.51% compared to QCR's net margin of 19.43%. USCB Financial's return on equity of 13.59% beat QCR's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
QCR	19.43%	11.86%	1.30%
USCB Financial	19.51%	13.59%	1.15%

Which has more risk & volatility, QCRH or USCB?

QCR has a beta of 0.83, indicating that its share price is 17% less volatile than the S&P 500. Comparatively, USCB Financial has a beta of 0.61, indicating that its share price is 39% less volatile than the S&P 500.

Which has preferable earnings & valuation, QCRH or USCB?

QCR has higher revenue and earnings than USCB Financial. QCR 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
QCR	$597.39M	1.98	$113.85M	$6.64	10.54
USCB Financial	$87.89M	3.69	$24.67M	$1.47	11.00

Does the media favor QCRH or USCB?

In the previous week, QCR had 8 more articles in the media than USCB Financial. MarketBeat recorded 13 mentions for QCR and 5 mentions for USCB Financial. QCR's average media sentiment score of 0.86 beat USCB Financial's score of 0.48 indicating that QCR is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
QCR	4 Very Positive mention(s)	0 Positive mention(s)	5 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
USCB Financial	0 Very Positive mention(s)	2 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

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

70.0% of QCR shares are owned by institutional investors. Comparatively, 61.3% of USCB Financial shares are owned by institutional investors. 3.7% of QCR shares are owned by insiders. Comparatively, 49.5% of USCB Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Is QCRH or USCB a better dividend stock?

QCR pays an annual dividend of $0.24 per share and has a dividend yield of 0.3%. USCB Financial pays an annual dividend of $0.40 per share and has a dividend yield of 2.5%. QCR pays out 3.6% 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. USCB Financial has increased 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.

Do analysts prefer QCRH or USCB?

QCR currently has a consensus price target of $87.38, indicating a potential upside of 24.80%. USCB Financial has a consensus price target of $19.25, indicating a potential upside of 19.05%. Given QCR's stronger consensus rating and higher probable upside, analysts clearly believe QCR is more favorable than USCB Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
QCR	0 Sell rating(s)	0 Hold rating(s)	4 Buy rating(s)	0 Strong Buy rating(s)	3.00
USCB Financial	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.75

Summary

QCR beats USCB Financial on 12 of the 19 factors compared between the two stocks.