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RBB Bancorp (RBB) vs USCB Financial Holdings, Inc. (USCB)

RBB Bancorp and USCB Financial Holdings, Inc. are both Banks Regional companies. RBB Bancorp and USCB Financial Holdings, Inc. are of similar size ($435.8M and $412.5M). RBB Bancorp trades at the lower P/E: 10.5× against 14.5×. USCB Financial Holdings, Inc. grew revenue faster over the last twelve months: 4.72% against 3.04%. USCB Financial Holdings, Inc. has the higher net margin (18.1% vs 17.3%) and the lower return on invested capital (6.24% vs 6.37%). Both pay a dividend; RBB Bancorp yields more (2.49% vs 2.13%). Across the 18 metrics below, RBB Bancorp leads on 11 and USCB Financial Holdings, Inc. on 7.

Valuation

Metric RBB USCB Banks Regional median
P/E 10.51 14.51 11.98
P/S 1.81 2.58 2.34
P/B 0.82 1.76 1.19
Price to free cash flow 8.04 8.35 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.51% 6.89% 8.23%
Free cash flow yield 12.44% 11.97% 9.08%

Profitability

Metric RBB USCB Banks Regional median
Gross margin 54.87% 61.02% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.26% 18.05% 18.66%
Free cash flow margin 23.01% 30.84% 21.11%
Return on equity 7.93% 12.36% 10.65%
Return on assets 1.00% 1.00% 1.13%
Return on invested capital 6.37% 6.24% 8.35%

Growth

Metric RBB USCB Banks Regional median
Revenue growth (TTM) 3.04% 4.72% 6.98%
EPS growth (last fiscal year) 24.49% 7.26% 18.88%
Revenue growth, 5-year CAGR 9.22% 20.96% 12.38%
Net income growth, 5-year CAGR (0.60%) 27.68% 9.71%

Health

Metric RBB USCB Banks Regional median
Debt to equity 0.55 1.20 0.22
Current ratio 1.07 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric RBB USCB Banks Regional median
Dividend yield 2.49% 2.13% 2.57%
Payout ratio 0.26 0.31 0.30

Size

Metric RBB USCB Banks Regional median
Market cap 435.76m 412.53m 913.33m

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