USCB vs. OVLY, CHMG, SBNY, FVCB, CZFS, BWFG, PKBK, SSBK, NWFL, and PCB
Should you be buying USCB Financial stock or one of its competitors? The main competitors of USCB Financial include Oak Valley Bancorp (OVLY), Chemung Financial (CHMG), Signature Bank (SBNY), FVCBankcorp (FVCB), Citizens Financial Services (CZFS), Bankwell Financial Group (BWFG), Parke Bancorp (PKBK), Southern States Bancshares (SSBK), Norwood Financial (NWFL), and PCB Bancorp (PCB). These companies are all part of the "state commercial banks" industry.
USCB Financial (NASDAQ:USCB) and Oak Valley Bancorp (NASDAQ:OVLY) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, risk, profitability, dividends, community ranking, earnings, valuation, institutional ownership and media sentiment.
USCB Financial has a beta of 0.35, meaning that its stock price is 65% less volatile than the S&P 500. Comparatively, Oak Valley Bancorp has a beta of 0.36, meaning that its stock price is 64% less volatile than the S&P 500.
61.3% of USCB Financial shares are owned by institutional investors. Comparatively, 30.9% of Oak Valley Bancorp shares are owned by institutional investors. 48.1% of USCB Financial shares are owned by insiders. Comparatively, 19.6% of Oak Valley Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
In the previous week, USCB Financial and USCB Financial both had 3 articles in the media. Oak Valley Bancorp's average media sentiment score of 0.66 beat USCB Financial's score of 0.00 indicating that Oak Valley Bancorp is being referred to more favorably in the news media.
Oak Valley Bancorp received 155 more outperform votes than USCB Financial when rated by MarketBeat users. However, 55.56% of users gave USCB Financial an outperform vote while only 55.00% of users gave Oak Valley Bancorp an outperform vote.
USCB Financial pays an annual dividend of $0.20 per share and has a dividend yield of 1.9%. Oak Valley Bancorp pays an annual dividend of $0.45 per share and has a dividend yield of 1.8%. USCB Financial pays out 24.1% of its earnings in the form of a dividend. Oak Valley Bancorp pays out 13.6% 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.
Oak Valley Bancorp has a net margin of 35.34% compared to USCB Financial's net margin of 15.26%. Oak Valley Bancorp's return on equity of 18.30% beat USCB Financial's return on equity.
USCB Financial currently has a consensus price target of $13.33, suggesting a potential upside of 28.82%. Given USCB Financial's higher possible upside, research analysts plainly believe USCB Financial is more favorable than Oak Valley Bancorp.
Oak Valley Bancorp has lower revenue, but higher earnings than USCB Financial. Oak Valley 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.
Summary
Oak Valley Bancorp beats USCB Financial on 10 of the 18 factors compared between the two stocks.
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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.
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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