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USCB Financial (USCB) Competitors

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$21.67 0.00 (0.00%)
Closing price 07/24/2026 04:00 PM Eastern
Extended Trading
$21.66 -0.01 (-0.02%)
As of 07/24/2026 07:34 PM Eastern
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USCB vs. BSRR, IBCP, MCBS, SHBI, and THFF

Should you buy USCB Financial stock or one of its competitors? MarketBeat compares USCB Financial with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with USCB Financial include Sierra Bancorp (BSRR), Independent Bank (IBCP), MetroCity Bankshares (MCBS), Shore Bancshares (SHBI), and First Financial Corporation Indiana (THFF). These companies are all part of the "finance" sector.

How does USCB Financial compare to Sierra Bancorp?

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

In the previous week, USCB Financial had 8 more articles in the media than Sierra Bancorp. MarketBeat recorded 16 mentions for USCB Financial and 8 mentions for Sierra Bancorp. Sierra Bancorp's average media sentiment score of 0.77 beat USCB Financial's score of 0.65 indicating that Sierra Bancorp is being referred to more favorably in the news media.

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

USCB Financial presently has a consensus price target of $22.00, indicating a potential upside of 1.52%. Sierra Bancorp has a consensus price target of $37.00, indicating a potential downside of 11.65%. Given USCB Financial's stronger consensus rating and higher probable upside, analysts clearly believe USCB Financial is more favorable than Sierra Bancorp.

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)
1 Strong Buy rating(s)
2.80
Sierra Bancorp
0 Sell rating(s)
3 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.40

Sierra Bancorp has a net margin of 22.53% compared to USCB Financial's net margin of 17.24%. USCB Financial's return on equity of 16.07% beat Sierra Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
USCB Financial17.24% 16.07% 1.24%
Sierra Bancorp 22.53%12.67%1.21%

USCB Financial pays an annual dividend of $0.50 per share and has a dividend yield of 2.3%. Sierra Bancorp pays an annual dividend of $1.04 per share and has a dividend yield of 2.5%. USCB Financial pays out 32.9% of its earnings in the form of a dividend. Sierra Bancorp pays out 30.3% 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 raised its dividend for 2 consecutive years and Sierra Bancorp has raised its dividend for 2 consecutive years. Sierra Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

USCB Financial has a beta of 0.51, suggesting that its share price is 49% less volatile than the broader market. Comparatively, Sierra Bancorp has a beta of 0.76, suggesting that its share price is 24% less volatile than the broader market.

Sierra Bancorp has higher revenue and earnings than USCB Financial. Sierra 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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
USCB Financial$159.60M2.48$26.10M$1.5214.26
Sierra Bancorp$201.98M2.71$42.33M$3.4312.21

61.3% of USCB Financial shares are held by institutional investors. Comparatively, 55.4% of Sierra Bancorp shares are held by institutional investors. 27.4% of USCB Financial shares are held by insiders. Comparatively, 11.8% of Sierra Bancorp shares are held 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.

Summary

USCB Financial and Sierra Bancorp tied by winning 9 of the 18 factors compared between the two stocks.

How does USCB Financial compare to Independent Bank?

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

61.3% of USCB Financial shares are held by institutional investors. Comparatively, 79.4% of Independent Bank shares are held by institutional investors. 27.4% of USCB Financial shares are held by insiders. Comparatively, 5.9% of Independent Bank shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

USCB Financial has a beta of 0.51, indicating that its share price is 49% less volatile than the broader market. Comparatively, Independent Bank has a beta of 0.71, indicating that its share price is 29% less volatile than the broader market.

USCB Financial presently has a consensus price target of $22.00, suggesting a potential upside of 1.52%. Independent Bank has a consensus price target of $38.25, suggesting a potential upside of 1.57%. Given Independent Bank's higher probable upside, analysts plainly believe Independent Bank is more favorable than USCB 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)
1 Strong Buy rating(s)
2.80
Independent Bank
0 Sell rating(s)
3 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.40

USCB Financial pays an annual dividend of $0.50 per share and has a dividend yield of 2.3%. Independent Bank pays an annual dividend of $1.12 per share and has a dividend yield of 3.0%. USCB Financial pays out 32.9% of its earnings in the form of a dividend. Independent Bank pays out 32.6% 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 and Independent Bank has increased its dividend for 11 consecutive years. Independent Bank is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

In the previous week, Independent Bank had 2 more articles in the media than USCB Financial. MarketBeat recorded 18 mentions for Independent Bank and 16 mentions for USCB Financial. Independent Bank's average media sentiment score of 0.87 beat USCB Financial's score of 0.65 indicating that Independent Bank is being referred to more favorably in the news media.

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

Independent Bank has higher revenue and earnings than USCB Financial. Independent 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.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
USCB Financial$159.60M2.48$26.10M$1.5214.26
Independent Bank$315.38M2.46$68.54M$3.4410.95

Independent Bank has a net margin of 22.32% compared to USCB Financial's net margin of 17.24%. USCB Financial's return on equity of 16.07% beat Independent Bank's return on equity.

Company Net Margins Return on Equity Return on Assets
USCB Financial17.24% 16.07% 1.24%
Independent Bank 22.32%14.31%1.30%

Summary

Independent Bank beats USCB Financial on 13 of the 19 factors compared between the two stocks.

How does USCB Financial compare to MetroCity Bankshares?

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

In the previous week, USCB Financial had 11 more articles in the media than MetroCity Bankshares. MarketBeat recorded 16 mentions for USCB Financial and 5 mentions for MetroCity Bankshares. USCB Financial's average media sentiment score of 0.65 beat MetroCity Bankshares' score of -0.02 indicating that USCB Financial is being referred to more favorably in the media.

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

USCB Financial has a beta of 0.51, suggesting that its share price is 49% less volatile than the broader market. Comparatively, MetroCity Bankshares has a beta of 0.7, suggesting that its share price is 30% less volatile than the broader market.

USCB Financial currently has a consensus target price of $22.00, indicating a potential upside of 1.52%. MetroCity Bankshares has a consensus target price of $33.00, indicating a potential downside of 9.76%. Given USCB Financial's stronger consensus rating and higher probable upside, equities analysts plainly believe USCB Financial is more favorable than MetroCity Bankshares.

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)
1 Strong Buy rating(s)
2.80
MetroCity Bankshares
0 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.50

MetroCity Bankshares has higher revenue and earnings than USCB Financial. MetroCity Bankshares is trading at a lower price-to-earnings ratio than USCB Financial, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
USCB Financial$159.60M2.48$26.10M$1.5214.26
MetroCity Bankshares$246.01M4.26$68.53M$2.7713.20

MetroCity Bankshares has a net margin of 28.40% compared to USCB Financial's net margin of 17.24%. USCB Financial's return on equity of 16.07% beat MetroCity Bankshares' return on equity.

Company Net Margins Return on Equity Return on Assets
USCB Financial17.24% 16.07% 1.24%
MetroCity Bankshares 28.40%15.55%1.83%

USCB Financial pays an annual dividend of $0.50 per share and has a dividend yield of 2.3%. MetroCity Bankshares pays an annual dividend of $1.16 per share and has a dividend yield of 3.2%. USCB Financial pays out 32.9% of its earnings in the form of a dividend. MetroCity Bankshares pays out 41.9% 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.

61.3% of USCB Financial shares are held by institutional investors. Comparatively, 25.3% of MetroCity Bankshares shares are held by institutional investors. 27.4% of USCB Financial shares are held by company insiders. Comparatively, 27.5% of MetroCity Bankshares shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Summary

USCB Financial beats MetroCity Bankshares on 11 of the 20 factors compared between the two stocks.

How does USCB Financial compare to Shore Bancshares?

USCB Financial (NASDAQ:USCB) and Shore Bancshares (NASDAQ:SHBI) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their profitability, media sentiment, earnings, analyst recommendations, valuation, risk, dividends and institutional ownership.

USCB Financial has a beta of 0.51, indicating that its share price is 49% less volatile than the broader market. Comparatively, Shore Bancshares has a beta of 0.82, indicating that its share price is 18% less volatile than the broader market.

Shore Bancshares has a net margin of 19.15% compared to USCB Financial's net margin of 17.24%. USCB Financial's return on equity of 16.07% beat Shore Bancshares' return on equity.

Company Net Margins Return on Equity Return on Assets
USCB Financial17.24% 16.07% 1.24%
Shore Bancshares 19.15%12.24%1.16%

Shore Bancshares has higher revenue and earnings than USCB Financial. Shore Bancshares is trading at a lower price-to-earnings ratio than USCB Financial, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
USCB Financial$159.60M2.48$26.10M$1.5214.26
Shore Bancshares$342.72M2.31$59.51M$1.9811.92

In the previous week, USCB Financial had 9 more articles in the media than Shore Bancshares. MarketBeat recorded 16 mentions for USCB Financial and 7 mentions for Shore Bancshares. Shore Bancshares' average media sentiment score of 0.87 beat USCB Financial's score of 0.65 indicating that Shore Bancshares is being referred to more favorably in the news media.

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

USCB Financial currently has a consensus target price of $22.00, indicating a potential upside of 1.52%. Shore Bancshares has a consensus target price of $22.00, indicating a potential downside of 6.82%. Given USCB Financial's stronger consensus rating and higher possible upside, equities analysts clearly believe USCB Financial is more favorable than Shore Bancshares.

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)
1 Strong Buy rating(s)
2.80
Shore Bancshares
0 Sell rating(s)
2 Hold rating(s)
3 Buy rating(s)
0 Strong Buy rating(s)
2.60

USCB Financial pays an annual dividend of $0.50 per share and has a dividend yield of 2.3%. Shore Bancshares pays an annual dividend of $0.56 per share and has a dividend yield of 2.4%. USCB Financial pays out 32.9% of its earnings in the form of a dividend. Shore Bancshares pays out 28.3% 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 raised its dividend for 2 consecutive years. Shore Bancshares is clearly the better dividend stock, given its higher yield and lower payout ratio.

61.3% of USCB Financial shares are held by institutional investors. Comparatively, 59.8% of Shore Bancshares shares are held by institutional investors. 27.4% of USCB Financial shares are held by company insiders. Comparatively, 8.7% of Shore Bancshares shares are held by company 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.

Summary

USCB Financial beats Shore Bancshares on 11 of the 20 factors compared between the two stocks.

How does USCB Financial compare to First Financial Corporation Indiana?

First Financial Corporation Indiana (NASDAQ:THFF) 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 earnings, profitability, analyst recommendations, valuation, institutional ownership, media sentiment, dividends and risk.

First Financial Corporation Indiana has a net margin of 22.82% compared to USCB Financial's net margin of 17.24%. USCB Financial's return on equity of 16.07% beat First Financial Corporation Indiana's return on equity.

Company Net Margins Return on Equity Return on Assets
First Financial Corporation Indiana22.82% 12.81% 1.39%
USCB Financial 17.24%16.07%1.24%

First Financial Corporation Indiana has higher revenue and earnings than USCB Financial. First Financial Corporation Indiana is trading at a lower price-to-earnings ratio than USCB Financial, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
First Financial Corporation Indiana$347.56M2.65$79.21M$6.8011.40
USCB Financial$159.60M2.48$26.10M$1.5214.26

72.7% of First Financial Corporation Indiana shares are held by institutional investors. Comparatively, 61.3% of USCB Financial shares are held by institutional investors. 5.0% of First Financial Corporation Indiana shares are held by company insiders. Comparatively, 27.4% of USCB Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

First Financial Corporation Indiana currently has a consensus price target of $70.00, suggesting a potential downside of 9.69%. USCB Financial has a consensus price target of $22.00, suggesting a potential upside of 1.52%. Given USCB Financial's stronger consensus rating and higher possible upside, analysts clearly believe USCB Financial is more favorable than First Financial Corporation Indiana.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Financial Corporation Indiana
0 Sell rating(s)
3 Hold rating(s)
0 Buy rating(s)
1 Strong Buy rating(s)
2.50
USCB Financial
0 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
1 Strong Buy rating(s)
2.80

In the previous week, USCB Financial had 12 more articles in the media than First Financial Corporation Indiana. MarketBeat recorded 16 mentions for USCB Financial and 4 mentions for First Financial Corporation Indiana. First Financial Corporation Indiana's average media sentiment score of 1.11 beat USCB Financial's score of 0.65 indicating that First Financial Corporation Indiana is being referred to more favorably in the media.

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

First Financial Corporation Indiana has a beta of 0.42, suggesting that its stock price is 58% less volatile than the broader market. Comparatively, USCB Financial has a beta of 0.51, suggesting that its stock price is 49% less volatile than the broader market.

First Financial Corporation Indiana pays an annual dividend of $2.24 per share and has a dividend yield of 2.9%. USCB Financial pays an annual dividend of $0.50 per share and has a dividend yield of 2.3%. First Financial Corporation Indiana pays out 32.9% of its earnings in the form of a dividend. USCB Financial pays out 32.9% 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 Financial Corporation Indiana has raised its dividend for 2 consecutive years and USCB Financial has raised its dividend for 2 consecutive years.

Summary

First Financial Corporation Indiana and USCB Financial tied by winning 9 of the 18 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding USCB and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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USCB vs. The Competition

MetricUSCB FinancialBANKS IndustryFinance SectorNASDAQ Exchange
Market Cap$395.69M$2.02B$14.42B$12.20B
Dividend Yield2.31%2.32%5.71%9.80%
P/E Ratio14.2617.1920.6623.63
Price / Sales2.482.7345.0090.26
Price / Cash11.9313.3419.2546.67
Price / Book1.811.342.256.08
Net Income$26.10M$146.81M$1.14B$331.70M
7 Day Performance6.64%2.04%-0.09%-0.02%
1 Month Performance5.55%3.16%0.40%-2.60%
1 Year Performance25.19%26.19%12.27%13.91%

USCB Financial Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
USCB
USCB Financial
3.7593 of 5 stars
$21.67
flat
$22.00
+1.5%
+25.2%$395.69M$159.60M14.26196
BSRR
Sierra Bancorp
2.4777 of 5 stars
$41.86
+0.5%
$37.00
-11.6%
+37.3%$545.01M$201.98M12.20490
IBCP
Independent Bank
4.4761 of 5 stars
$36.50
+0.0%
$38.33
+5.0%
+16.0%$751.92M$315.38M10.90920
MCBS
MetroCity Bankshares
1.4154 of 5 stars
$36.32
+0.3%
$33.00
-9.1%
+24.6%$1.04B$168.25M13.11220
SHBI
Shore Bancshares
3.2074 of 5 stars
$23.12
+0.5%
$22.00
-4.8%
+49.1%$769.82M$342.72M12.30450

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This page (NASDAQ:USCB) was last updated on 7/27/2026 by MarketBeat.com Staff.
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