USCB Financial (USCB) Competitors

Byline Bancorp (NYSE:BY) 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 analyst recommendations, valuation, institutional ownership, dividends, media sentiment, profitability, earnings and risk.

Is BY or USCB a better dividend stock?

Byline Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.5%. USCB Financial pays an annual dividend of $0.40 per share and has a dividend yield of 2.4%. Byline Bancorp pays out 14.8% of its earnings in the form of a dividend. USCB Financial pays out 29.0% 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. Byline Bancorp has increased its dividend for 1 consecutive years and USCB Financial has increased its dividend for 2 consecutive years. USCB Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Which has preferable valuation and earnings, BY or USCB?

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Byline Bancorp	$405.32M	3.13	$120.76M	$2.70	10.18
USCB Financial	$143.97M	2.37	$24.67M	$1.38	12.33

Does the media prefer BY or USCB?

In the previous week, Byline Bancorp had 1 more articles in the media than USCB Financial. MarketBeat recorded 2 mentions for Byline Bancorp and 1 mentions for USCB Financial. USCB Financial's average media sentiment score of 1.89 beat Byline Bancorp's score of 0.09 indicating that USCB Financial is being referred to more favorably in the news media.

Company	Overall Sentiment
Byline Bancorp	Neutral
USCB Financial	Very Positive

Is BY or USCB more profitable?

Byline Bancorp has a net margin of 19.10% compared to USCB Financial's net margin of 18.69%. USCB Financial's return on equity of 12.96% beat Byline Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Byline Bancorp	19.10%	11.00%	1.25%
USCB Financial	18.69%	12.96%	1.08%

Which has more volatility & risk, BY or USCB?

Byline Bancorp has a beta of 0.84, meaning that its share price is 16% less volatile than the S&P 500. Comparatively, USCB Financial has a beta of 0.61, meaning that its share price is 39% less volatile than the S&P 500.

Do analysts rate BY or USCB?

Byline Bancorp presently has a consensus price target of $33.25, indicating a potential upside of 20.95%. USCB Financial has a consensus price target of $19.00, indicating a potential upside of 11.67%. Given Byline Bancorp's higher probable upside, research analysts clearly believe Byline Bancorp is more favorable than USCB Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Byline Bancorp	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50
USCB Financial	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50

Do institutionals and insiders hold more shares of BY or USCB?

67.7% of Byline Bancorp shares are held by institutional investors. Comparatively, 61.3% of USCB Financial shares are held by institutional investors. 28.8% of Byline Bancorp shares are held by company insiders. Comparatively, 49.5% of USCB Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Summary

Byline Bancorp beats USCB Financial on 11 of the 17 factors compared between the two stocks.