USCB Financial (USCB) Competitors

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

Does the media refer more to USCB or LX?

In the previous week, LexinFintech had 10 more articles in the media than USCB Financial. MarketBeat recorded 11 mentions for LexinFintech and 1 mentions for USCB Financial. USCB Financial's average media sentiment score of 1.23 beat LexinFintech's score of 0.94 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	0 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
LexinFintech	4 Very Positive mention(s)	2 Positive mention(s)	4 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Do analysts recommend USCB or LX?

USCB Financial currently has a consensus price target of $17.50, indicating a potential downside of 4.53%. Given USCB Financial's higher possible upside, analysts plainly believe USCB Financial is more favorable than LexinFintech.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
USCB Financial	0 Sell rating(s)	1 Hold rating(s)	2 Buy rating(s)	1 Strong Buy rating(s)	3.00
LexinFintech	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00

Does the MarketBeat Community believe in USCB or LX?

LexinFintech received 228 more outperform votes than USCB Financial when rated by MarketBeat users. Likewise, 59.80% of users gave LexinFintech an outperform vote while only 59.09% of users gave USCB Financial an outperform vote.

Company	Underperform	Outperform
USCB Financial	Outperform Votes 13 59.09%	Underperform Votes 9 40.91%
LexinFintech	Outperform Votes 241 59.80%	Underperform Votes 162 40.20%

Which has stronger valuation & earnings, USCB or LX?

LexinFintech has higher revenue and earnings than USCB Financial. USCB Financial is trading at a lower price-to-earnings ratio than LexinFintech, 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	$75.39M	4.82	$24.67M	$1.23	14.90
LexinFintech	$14.05B	0.12	$150.14M	$0.63	16.81

Which has more risk & volatility, USCB or LX?

USCB Financial has a beta of 0.64, suggesting that its share price is 36% less volatile than the S&P 500. Comparatively, LexinFintech has a beta of 0.6, suggesting that its share price is 40% less volatile than the S&P 500.

Do institutionals and insiders have more ownership in USCB or LX?

61.3% of USCB Financial shares are owned by institutional investors. 48.5% of USCB Financial shares are owned by company insiders. Comparatively, 27.8% of LexinFintech shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Is USCB or LX a better dividend stock?

USCB Financial pays an annual dividend of $0.40 per share and has a dividend yield of 2.2%. LexinFintech pays an annual dividend of $0.12 per share and has a dividend yield of 1.1%. USCB Financial pays out 32.5% of its earnings in the form of a dividend. LexinFintech pays out 19.0% 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.

Is USCB or LX more profitable?

USCB Financial has a net margin of 17.14% compared to LexinFintech's net margin of 5.34%. USCB Financial's return on equity of 12.14% beat LexinFintech's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
USCB Financial	17.14%	12.14%	0.99%
LexinFintech	5.34%	7.47%	3.26%

Summary

USCB Financial beats LexinFintech on 12 of the 20 factors compared between the two stocks.