Commercial Bancgroup, Inc. (CBK) vs USCB Financial Holdings, Inc. (USCB)

Commercial Bancgroup, Inc. and USCB Financial Holdings, Inc. are both Banks Regional companies. Commercial Bancgroup, Inc. and USCB Financial Holdings, Inc. are of similar size ($431.5M and $412.5M). Commercial Bancgroup, Inc. trades at the lower P/E: 10.8× against 14.5×. Commercial Bancgroup, Inc. has the higher net margin (30.3% vs 18.1%) and the higher return on invested capital (14.9% vs 6.24%). Across the 15 metrics below, Commercial Bancgroup, Inc. leads on 11 and USCB Financial Holdings, Inc. on 4.

Valuation

Metric CBK USCB Banks Regional median
P/E 10.75 14.51 11.98
P/S 3.33 2.58 2.34
P/B 1.43 1.76 1.19
Price to free cash flow 11.15 8.35 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.30% 6.89% 8.23%
Free cash flow yield 8.97% 11.97% 9.08%

Profitability

Metric CBK USCB Banks Regional median
Gross margin 71.89% 61.02% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 30.25% 18.05% 18.66%
Free cash flow margin 29.86% 30.84% 21.11%
Return on equity 15.05% 12.36% 10.65%
Return on assets 1.72% 1.00% 1.13%
Return on invested capital 14.93% 6.24% 8.35%

Growth

Metric CBK USCB Banks Regional median
Revenue growth (TTM) — 4.72% 6.98%
EPS growth (last fiscal year) 13.97% 7.26% 18.88%
Revenue growth, 5-year CAGR — 20.96% 12.38%
Net income growth, 5-year CAGR — 27.68% 9.71%

Health

Metric CBK USCB Banks Regional median
Debt to equity 0.24 1.20 0.22
Current ratio 1.06 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBK USCB Banks Regional median
Dividend yield — 2.13% 2.57%
Payout ratio — 0.31 0.30

Size

Metric CBK USCB Banks Regional median
Market cap 431.45m 412.53m 913.33m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack