Avidia Bancorp, Inc. (AVBC) vs USCB Financial Holdings, Inc. (USCB)

Avidia Bancorp, Inc. and USCB Financial Holdings, Inc. are both Banks Regional companies. Avidia Bancorp, Inc. and USCB Financial Holdings, Inc. are of similar size ($433.2M and $418.8M). USCB Financial Holdings, Inc. trades at the lower P/E: 14.7× against 22.8×. Avidia Bancorp, Inc. grew revenue faster over the last twelve months: 7.16% against 4.72%. USCB Financial Holdings, Inc. has the higher net margin (18.1% vs 11.5%) and the higher return on invested capital (6.24% vs 2.89%). Across the 16 metrics below, Avidia Bancorp, Inc. leads on 9 and USCB Financial Holdings, Inc. on 7.

Valuation

Metric AVBC USCB Banks Regional median
P/E 22.82 14.69 12.15
P/S 2.64 2.61 2.37
P/B 1.03 1.78 1.21
Price to free cash flow 8.38 8.46 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.41 3.63 2.27
Earnings yield 4.38% 6.81% 8.11%
Free cash flow yield 11.94% 11.82% 8.98%

Profitability

Metric AVBC USCB Banks Regional median
Gross margin 73.91% 61.02% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 11.52% 18.05% 18.66%
Free cash flow margin 31.47% 30.84% 21.18%
Return on equity 6.06% 12.36% 10.64%
Return on assets 0.61% 1.00% 1.13%
Return on invested capital 2.89% 6.24% 8.33%

Growth

Metric AVBC USCB Banks Regional median
Revenue growth (TTM) 7.16% 4.72% 6.61%
EPS growth (last fiscal year) — 7.26% —
Revenue growth, 5-year CAGR — 20.96% 12.30%
Net income growth, 5-year CAGR — 27.68% 9.71%

Health

Metric AVBC USCB Banks Regional median
Debt to equity 0.48 1.20 0.22
Current ratio 1.05 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AVBC USCB Banks Regional median
Dividend yield — 0.87% 3.75%
Payout ratio — 0.00 0.27

Size

Metric AVBC USCB Banks Regional median
Market cap 433.16m 418.82m 921.07m

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