First Bank (FRBA) vs USCB Financial Holdings, Inc. (USCB)

First Bank and USCB Financial Holdings, Inc. are both Banks Regional companies. First Bank and USCB Financial Holdings, Inc. are of similar size ($435.4M and $418.8M). First Bank trades at the lower P/E: 10.3× against 14.7×. USCB Financial Holdings, Inc. grew revenue faster over the last twelve months: 4.72% against 2.77%. USCB Financial Holdings, Inc. has the higher net margin (18.1% vs 17.5%) and the lower return on invested capital (6.24% vs 9.34%). Both pay a dividend; First Bank yields more (1.78% vs 0.87%). Across the 20 metrics below, First Bank leads on 11 and USCB Financial Holdings, Inc. on 9.

Valuation

Metric FRBA USCB Banks Regional median
P/E 10.35 14.69 12.15
P/S 1.82 2.61 2.37
P/B 0.98 1.78 1.21
Price to free cash flow 8.74 8.46 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.51 3.63 2.27
Earnings yield 9.66% 6.81% 8.11%
Free cash flow yield 11.44% 11.82% 8.98%

Profitability

Metric FRBA USCB Banks Regional median
Gross margin 61.42% 61.02% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.45% 18.05% 18.66%
Free cash flow margin 20.80% 30.84% 21.18%
Return on equity 9.72% 12.36% 10.64%
Return on assets 1.05% 1.00% 1.13%
Return on invested capital 9.34% 6.24% 8.33%

Growth

Metric FRBA USCB Banks Regional median
Revenue growth (TTM) 2.77% 4.72% 6.61%
EPS growth (last fiscal year) 4.19% 7.26% —
Revenue growth, 5-year CAGR 20.80% 20.96% 12.30%
Net income growth, 5-year CAGR 17.55% 27.68% 9.71%

Health

Metric FRBA USCB Banks Regional median
Debt to equity 0.61 1.20 0.22
Current ratio 1.11 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FRBA USCB Banks Regional median
Dividend yield 1.78% 0.87% 3.75%
Payout ratio 0.14 0.00 0.27

Size

Metric FRBA USCB Banks Regional median
Market cap 435.42m 418.82m 921.07m

Compare with another peer

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