USCB Financial (USCB) Competitors $16.98 -0.04 (-0.24%) As of 04:00 PM Eastern Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock USCB vs. LX, CCB, TFIN, VBTX, IREN, QCRH, BY, HUT, LOB, and FBMSShould you be buying USCB Financial stock or one of its competitors? The main competitors of USCB Financial include LexinFintech (LX), Coastal Financial (CCB), Triumph Financial (TFIN), Veritex (VBTX), Iris Energy (IREN), QCR (QCRH), Byline Bancorp (BY), Hut 8 (HUT), Live Oak Bancshares (LOB), and First Bancshares (FBMS). These companies are all part of the "banking" industry. USCB Financial vs. LexinFintech Coastal Financial Triumph Financial Veritex Iris Energy QCR Byline Bancorp Hut 8 Live Oak Bancshares First Bancshares LexinFintech (NASDAQ:LX) and USCB Financial (NASDAQ:USCB) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their analyst recommendations, risk, profitability, earnings, community ranking, institutional ownership, valuation, media sentiment and dividends. Which has more risk & volatility, LX or USCB? LexinFintech has a beta of 0.32, indicating that its share price is 68% less volatile than the S&P 500. Comparatively, USCB Financial has a beta of 0.65, indicating that its share price is 35% less volatile than the S&P 500. Do institutionals & insiders believe in LX or USCB? 61.3% of USCB Financial shares are held by institutional investors. 27.8% of LexinFintech shares are held by insiders. Comparatively, 48.5% of USCB Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth. Which has preferable valuation & earnings, LX or USCB? LexinFintech has higher revenue and earnings than USCB Financial. LexinFintech 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 RatioLexinFintech$14.20B0.08$150.14M$0.907.76USCB Financial$82.68M4.11$24.67M$1.2313.77 Is LX or USCB 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 LexinFintech5.34% 7.47% 3.26% USCB Financial 17.14%12.14%0.99% Is LX or USCB a better dividend stock? LexinFintech pays an annual dividend of $0.17 per share and has a dividend yield of 2.4%. USCB Financial pays an annual dividend of $0.40 per share and has a dividend yield of 2.4%. LexinFintech pays out 18.9% of its earnings in the form of a dividend. USCB Financial pays out 32.5% 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. LexinFintech is clearly the better dividend stock, given its higher yield and lower payout ratio. Does the MarketBeat Community believe in LX or USCB? LexinFintech received 228 more outperform votes than USCB Financial when rated by MarketBeat users. Likewise, 59.65% of users gave LexinFintech an outperform vote while only 56.52% of users gave USCB Financial an outperform vote. CompanyUnderperformOutperformLexinFintechOutperform Votes24159.65% Underperform Votes16340.35% USCB FinancialOutperform Votes1356.52% Underperform Votes1043.48% Do analysts recommend LX or USCB? LexinFintech presently has a consensus target price of $13.60, suggesting a potential upside of 94.84%. USCB Financial has a consensus target price of $17.50, suggesting a potential upside of 3.31%. Given LexinFintech's stronger consensus rating and higher possible upside, research analysts clearly believe LexinFintech is more favorable than USCB Financial.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score LexinFintech 0 Sell rating(s) 0 Hold rating(s) 2 Buy rating(s) 0 Strong Buy rating(s) 3.00USCB Financial 0 Sell rating(s) 2 Hold rating(s) 2 Buy rating(s) 0 Strong Buy rating(s) 2.50 Does the media refer more to LX or USCB? In the previous week, LexinFintech had 1 more articles in the media than USCB Financial. MarketBeat recorded 8 mentions for LexinFintech and 7 mentions for USCB Financial. LexinFintech's average media sentiment score of 1.18 beat USCB Financial's score of 1.10 indicating that LexinFintech is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment LexinFintech 4 Very Positive mention(s) 2 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive USCB Financial 3 Very Positive mention(s) 1 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive SummaryLexinFintech beats USCB Financial on 11 of the 19 factors compared between the two stocks. Remove Ads Get USCB Financial News Delivered to You Automatically Sign up to receive the latest news and ratings for USCB and its competitors with MarketBeat's FREE daily newsletter. Email Address New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding {thisCompany.Symbol} and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?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.Skip Chart USCB vs. The Competition Export to ExcelMetricUSCB FinancialState commercial banks IndustryFinance SectorNASDAQ ExchangeMarket Cap$339.70M$2.84B$10.75B$7.31BDividend Yield2.39%4.11%5.83%4.32%P/E Ratio13.7721.4121.5417.62Price / Sales4.112.8725.4591.91Price / Cash21.3610.6317.6234.64Price / Book1.731.092.553.93Net Income$24.67M$372.21M$1.03B$247.37M7 Day Performance-3.09%-2.22%-0.17%0.31%1 Month Performance-7.13%-6.65%-3.83%-7.27%1 Year Performance60.72%14.87%534.03%-0.56% USCB Financial Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)USCBUSCB Financial2.6044 of 5 stars$16.98-0.2%$17.50+3.1%+64.3%$340.50M$82.68M13.80196Short Interest ↑News CoveragePositive NewsLXLexinFintech3.6081 of 5 stars$7.18-12.5%$13.60+89.4%+334.5%$1.35B$14.20B11.403,900Positive NewsGap DownHigh Trading VolumeCCBCoastal Financial3.7755 of 5 stars$81.43+2.1%$98.75+21.3%+111.2%$1.22B$452.86M25.06380Insider TradeShort Interest ↑News CoveragePositive NewsHigh Trading VolumeTFINTriumph Financial2.2267 of 5 stars$50.46-2.1%$79.00+56.6%-32.3%$1.18B$415.57M93.451,430Earnings ReportNews CoveragePositive NewsHigh Trading VolumeVBTXVeritex4.6658 of 5 stars$21.24-1.5%$30.90+45.5%+10.9%$1.16B$425.65M10.89770Upcoming EarningsNews CoverageGap DownIRENIris Energy4.0021 of 5 stars$5.88-1.0%$20.40+246.9%+25.9%$1.10B$283.73M0.00100Gap DownQCRHQCR3.5342 of 5 stars$64.75+0.2%$82.00+26.6%+18.5%$1.09B$337.71M9.65920Upcoming EarningsShort Interest ↑News CoverageGap DownBYByline Bancorp4.0376 of 5 stars$23.98-0.5%$33.75+40.7%+18.0%$1.07B$403.54M8.69970Gap DownHigh Trading VolumeHUTHut 82.9776 of 5 stars$11.43+0.4%$29.40+157.2%+57.9%$1.07B$671.72M0.00219Analyst ForecastNews CoverageGap DownLOBLive Oak Bancshares4.0889 of 5 stars$23.43-3.8%$44.75+91.0%-36.2%$1.07B$492.82M16.16960Gap DownHigh Trading VolumeFBMSFirst Bancshares2.4825 of 5 stars$33.75+0.3%$38.75+14.8%+44.5%$1.05B$276.99M13.83870Analyst ForecastHigh Trading Volume Remove Ads Related Companies and Tools Related Companies LexinFintech Alternatives Coastal Financial Alternatives Triumph Financial Alternatives Veritex Alternatives Iris Energy Alternatives QCR Alternatives Byline Bancorp Alternatives Hut 8 Alternatives Live Oak Bancshares Alternatives First Bancshares Alternatives Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:USCB) was last updated on 4/16/2025 by MarketBeat.com Staff From Our PartnersTrump Makes Major Crypto AnnouncementTrump Ends the “War on Crypto” I expect it to pump the market, which is why I'm recommending ONE coin to al...Crypto 101 Media | SponsoredCrypto’s crashing…but we’re still profitingMost traders are panicking right now. 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