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Avidbank Holdings Inc. (AVBH) vs USCB Financial Holdings, Inc. (USCB)

Avidbank Holdings Inc. and USCB Financial Holdings, Inc. are both Banks Regional companies. Avidbank Holdings Inc. and USCB Financial Holdings, Inc. are of similar size ($375.2M and $367.1M). Avidbank Holdings Inc. has negative trailing earnings, so its P/E is not meaningful; USCB Financial Holdings, Inc. trades at 13.0×. USCB Financial Holdings, Inc. grew revenue faster over the last twelve months: 4.72% against −32.7%. USCB Financial Holdings, Inc. has the higher net margin (18.1% vs −14.1%) and the higher return on invested capital (6.24% vs −7.91%). Across the 17 metrics below, USCB Financial Holdings, Inc. leads on 10 and Avidbank Holdings Inc. on 7.

Valuation

Metric AVBH USCB Banks Regional median
P/E n/m 13.05 12.46
P/S 3.71 2.32 2.41
P/B 1.25 1.58 1.26
Price to free cash flow 7.08 7.51 11.00
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (5.40%) 7.67% 7.96%
Free cash flow yield 14.12% 13.32% 8.80%

Profitability

Metric AVBH USCB Banks Regional median
Gross margin 46.29% 61.02% 69.75%
Operating margin 0.00% 0.00% 0.00%
Net margin (14.12%) 18.05% 18.88%
Free cash flow margin 52.44% 30.84% 17.28%
Return on equity (5.64%) 12.36% 10.43%
Return on assets (0.56%) 1.00% 1.14%
Return on invested capital (7.91%) 6.24% 8.47%

Growth

Metric AVBH USCB Banks Regional median
Revenue growth (TTM) (32.72%) 4.72% 6.94%
EPS growth (last fiscal year) (181.52%) 7.26% 18.88%
Revenue growth, 5-year CAGR 36.67% 20.96% 12.56%
Net income growth, 5-year CAGR 0.00% 27.68% 9.78%

Health

Metric AVBH USCB Banks Regional median
Debt to equity 0.07 1.20 0.20
Current ratio 1.03 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AVBH USCB Banks Regional median
Dividend yield — 2.99% 2.64%
Payout ratio — 0.39 0.32

Size

Metric AVBH USCB Banks Regional median
Market cap 375.19m 367.09m 910.32m

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