USCB vs. OBNK, OBK, QCRH, GABC, LBAI, SBSI, AMAL, FMBH, CTBI, and CNOB
Should you be buying USCB Financial stock or one of its competitors? The main competitors of USCB Financial include Origin Bancorp (OBNK), Origin Bancorp (OBK), QCR (QCRH), German American Bancorp (GABC), Lakeland Bancorp (LBAI), Southside Bancshares (SBSI), Amalgamated Financial (AMAL), First Mid Bancshares (FMBH), Community Trust Bancorp (CTBI), and ConnectOne Bancorp (CNOB). These companies are all part of the "state commercial banks" industry.
USCB Financial (NASDAQ:USCB) and Origin Bancorp (NASDAQ:OBNK) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, profitability, earnings, dividends, media sentiment, valuation, community ranking, risk and analyst recommendations.
Origin Bancorp received 122 more outperform votes than USCB Financial when rated by MarketBeat users. Likewise, 63.77% of users gave Origin Bancorp an outperform vote while only 55.56% of users gave USCB Financial an outperform vote.
USCB Financial presently has a consensus price target of $13.33, indicating a potential upside of 10.38%. Given USCB Financial's higher probable upside, research analysts clearly believe USCB Financial is more favorable than Origin Bancorp.
In the previous week, USCB Financial had 7 more articles in the media than Origin Bancorp. MarketBeat recorded 7 mentions for USCB Financial and 0 mentions for Origin Bancorp. USCB Financial's average media sentiment score of 1.33 beat Origin Bancorp's score of 0.00 indicating that USCB Financial is being referred to more favorably in the media.
Origin Bancorp has a net margin of 20.47% compared to USCB Financial's net margin of 13.08%. Origin Bancorp's return on equity of 10.45% beat USCB Financial's return on equity.
USCB Financial pays an annual dividend of $0.20 per share and has a dividend yield of 1.7%. Origin Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 1.9%. USCB Financial pays out 26.0% of its earnings in the form of a dividend. Origin Bancorp pays out 18.7% 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. Origin Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.
USCB Financial has a beta of 0.35, meaning that its stock price is 65% less volatile than the S&P 500. Comparatively, Origin Bancorp has a beta of 0.89, meaning that its stock price is 11% less volatile than the S&P 500.
61.3% of USCB Financial shares are owned by institutional investors. Comparatively, 47.2% of Origin Bancorp shares are owned by institutional investors. 48.5% of USCB Financial shares are owned by company insiders. Comparatively, 6.2% of Origin Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Origin Bancorp has higher revenue and earnings than USCB Financial. Origin 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
Origin Bancorp beats USCB Financial on 12 of the 19 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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