Is DocuSign Stock Undervalued?
Digital signature software business DocuSign (NASDAQ:DOCU) has been struggling over…
Buy
67
USCB Quote, Financials, Valuation and Earnings
Last price:
$19.07
Seasonality move
:
-4.59%
Day range:
$18.96 - $19.40
52-week range:
$15.39 - $20.49
Dividend yield:
2.1%
P/E ratio:
12.11x
P/S ratio:
2.45x
P/B ratio:
1.65x
Volume:
21.5K
Avg. volume:
40.8K
1-year change:
9.24%
Market cap:
$344.8M
Revenue:
$144M
EPS (TTM):
$1.57
Price Performance History
Performance vs. Valuation Benchmarks
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Competitors
| Company | Revenue Forecast | Earnings Forecast | Revenue Growth Forecast | Earnings Growth Forecast | Analyst Price Target Median |
|---|---|---|---|---|---|
|
USCB
USCB Financial Holdings, Inc.
|
$25M | $0.42 | -30.3% | 47.33% | $21.30 |
|
AMTB
Amerant Bancorp, Inc.
|
$110.2M | $0.53 | -33.58% | 18.33% | $21.50 |
|
BHB
Bar Harbor Bankshares
|
$41.4M | $0.83 | -24.74% | 22.79% | $35.00 |
|
OPHC
OptimumBank Holdings, Inc.
|
-- | -- | -- | -- | $5.00 |
|
PRK
Park National Corp.
|
$140.1M | $2.74 | -13.63% | 18.03% | $180.33 |
|
TMP
Tompkins Financial Corp.
|
$87M | $1.70 | 22.83% | 24.5% | $78.00 |
| Company | Price | Analyst Target | Market Cap | P/E Ratio | Dividend per Share | Dividend Yield | Price / LTM Sales |
|---|---|---|---|---|---|---|---|
|
USCB
USCB Financial Holdings, Inc.
|
$19.04 | $21.30 | $344.8M | 12.11x | $0.10 | 2.1% | 2.45x |
|
AMTB
Amerant Bancorp, Inc.
|
$20.18 | $21.50 | $832.5M | 12.73x | $0.09 | 1.78% | 1.28x |
|
BHB
Bar Harbor Bankshares
|
$32.01 | $35.00 | $534.2M | 13.80x | $0.32 | 3.94% | 2.14x |
|
OPHC
OptimumBank Holdings, Inc.
|
$4.22 | $5.00 | $48.6M | 3.67x | $0.00 | 0% | 0.91x |
|
PRK
Park National Corp.
|
$158.59 | $180.33 | $2.5B | 14.61x | $2.32 | 2.7% | 3.90x |
|
TMP
Tompkins Financial Corp.
|
$73.99 | $78.00 | $1.1B | 12.55x | $0.65 | 3.39% | 2.28x |
| Company | Total Debt / Total Capital | Beta | Debt to Equity | Quick Ratio |
|---|---|---|---|---|
|
USCB
USCB Financial Holdings, Inc.
|
21.29% | 0.738 | 17.9% | 0.00x |
|
AMTB
Amerant Bancorp, Inc.
|
52.28% | 1.215 | 130.2% | 0.00x |
|
BHB
Bar Harbor Bankshares
|
26.95% | 0.833 | 37.81% | 0.00x |
|
OPHC
OptimumBank Holdings, Inc.
|
2.38% | 0.312 | 5.84% | 0.00x |
|
PRK
Park National Corp.
|
6.69% | 1.119 | 3.65% | 0.00x |
|
TMP
Tompkins Financial Corp.
|
39.99% | 1.042 | 55.29% | 0.00x |
| Company | Gross Profit | Operating Income | Return on Invested Capital | Return on Common Equity | EBIT Margin | Free Cash Flow |
|---|---|---|---|---|---|---|
|
USCB
USCB Financial Holdings, Inc.
|
-- | $11.8M | 9.41% | 14.45% | 68.23% | $20M |
|
AMTB
Amerant Bancorp, Inc.
|
-- | $19M | 3.42% | 7.29% | 46.2% | $23.7M |
|
BHB
Bar Harbor Bankshares
|
-- | $10.8M | 4.95% | 7.61% | 45.12% | $18.1M |
|
OPHC
OptimumBank Holdings, Inc.
|
-- | $5.7M | 12.2% | 14.8% | 59.75% | $1.9M |
|
PRK
Park National Corp.
|
-- | $58.1M | 11.44% | 13.78% | 50.75% | $45.1M |
|
TMP
Tompkins Financial Corp.
|
-- | $31.1M | 5.95% | 11.34% | 53.65% | $33.9M |
USCB Financial Holdings, Inc. vs. Competitors
-
Which has Higher Returns USCB or AMTB?
Amerant Bancorp, Inc. has a net margin of 21.59% compared to USCB Financial Holdings, Inc.'s net margin of 8.79%. USCB Financial Holdings, Inc.'s return on equity of 14.45% beat Amerant Bancorp, Inc.'s return on equity of 7.29%.
Company Gross Margin Earnings Per Share Invested Capital USCBUSCB Financial Holdings, Inc.-- $0.45 $265.6M AMTBAmerant Bancorp, Inc.-- $0.35 $2B -
What do Analysts Say About USCB or AMTB?
USCB Financial Holdings, Inc. has a consensus price target of $21.30, signalling upside risk potential of 11.87%. On the other hand Amerant Bancorp, Inc. has an analysts' consensus of $21.50 which suggests that it could grow by 5.55%. Given that USCB Financial Holdings, Inc. has higher upside potential than Amerant Bancorp, Inc., analysts believe USCB Financial Holdings, Inc. is more attractive than Amerant Bancorp, Inc..
Company Buy Ratings Hold Ratings Sell Ratings USCBUSCB Financial Holdings, Inc.1 2 0 AMTBAmerant Bancorp, Inc.1 1 0 -
Is USCB or AMTB More Risky?
USCB Financial Holdings, Inc. has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison Amerant Bancorp, Inc. has a beta of 1.030, suggesting its more volatile than the S&P 500 by 3.034%.
-
Which is a Better Dividend Stock USCB or AMTB?
USCB Financial Holdings, Inc. has a quarterly dividend of $0.10 per share corresponding to a yield of 2.1%. Amerant Bancorp, Inc. offers a yield of 1.78% to investors and pays a quarterly dividend of $0.09 per share. USCB Financial Holdings, Inc. pays 16.08% of its earnings as a dividend. Amerant Bancorp, Inc. pays out 81.38% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios USCB or AMTB?
USCB Financial Holdings, Inc. quarterly revenues are $41.4M, which are smaller than Amerant Bancorp, Inc. quarterly revenues of $167.9M. USCB Financial Holdings, Inc.'s net income of $8.9M is lower than Amerant Bancorp, Inc.'s net income of $14.8M. Notably, USCB Financial Holdings, Inc.'s price-to-earnings ratio is 12.11x while Amerant Bancorp, Inc.'s PE ratio is 12.73x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for USCB Financial Holdings, Inc. is 2.45x versus 1.28x for Amerant Bancorp, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income USCBUSCB Financial Holdings, Inc.2.45x 12.11x $41.4M $8.9M AMTBAmerant Bancorp, Inc.1.28x 12.73x $167.9M $14.8M
-
Which has Higher Returns USCB or BHB?
Bar Harbor Bankshares has a net margin of 21.59% compared to USCB Financial Holdings, Inc.'s net margin of 13.32%. USCB Financial Holdings, Inc.'s return on equity of 14.45% beat Bar Harbor Bankshares's return on equity of 7.61%.
Company Gross Margin Earnings Per Share Invested Capital USCBUSCB Financial Holdings, Inc.-- $0.45 $265.6M BHBBar Harbor Bankshares-- $0.54 $713.1M -
What do Analysts Say About USCB or BHB?
USCB Financial Holdings, Inc. has a consensus price target of $21.30, signalling upside risk potential of 11.87%. On the other hand Bar Harbor Bankshares has an analysts' consensus of $35.00 which suggests that it could grow by 7.99%. Given that USCB Financial Holdings, Inc. has higher upside potential than Bar Harbor Bankshares, analysts believe USCB Financial Holdings, Inc. is more attractive than Bar Harbor Bankshares.
Company Buy Ratings Hold Ratings Sell Ratings USCBUSCB Financial Holdings, Inc.1 2 0 BHBBar Harbor Bankshares0 1 0 -
Is USCB or BHB More Risky?
USCB Financial Holdings, Inc. has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.654, suggesting its less volatile than the S&P 500 by 34.574%.
-
Which is a Better Dividend Stock USCB or BHB?
USCB Financial Holdings, Inc. has a quarterly dividend of $0.10 per share corresponding to a yield of 2.1%. Bar Harbor Bankshares offers a yield of 3.94% to investors and pays a quarterly dividend of $0.32 per share. USCB Financial Holdings, Inc. pays 16.08% of its earnings as a dividend. Bar Harbor Bankshares pays out 41.49% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios USCB or BHB?
USCB Financial Holdings, Inc. quarterly revenues are $41.4M, which are smaller than Bar Harbor Bankshares quarterly revenues of $66.5M. USCB Financial Holdings, Inc.'s net income of $8.9M is higher than Bar Harbor Bankshares's net income of $8.9M. Notably, USCB Financial Holdings, Inc.'s price-to-earnings ratio is 12.11x while Bar Harbor Bankshares's PE ratio is 13.80x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for USCB Financial Holdings, Inc. is 2.45x versus 2.14x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income USCBUSCB Financial Holdings, Inc.2.45x 12.11x $41.4M $8.9M BHBBar Harbor Bankshares2.14x 13.80x $66.5M $8.9M
-
Which has Higher Returns USCB or OPHC?
OptimumBank Holdings, Inc. has a net margin of 21.59% compared to USCB Financial Holdings, Inc.'s net margin of 23.62%. USCB Financial Holdings, Inc.'s return on equity of 14.45% beat OptimumBank Holdings, Inc.'s return on equity of 14.8%.
Company Gross Margin Earnings Per Share Invested Capital USCBUSCB Financial Holdings, Inc.-- $0.45 $265.6M OPHCOptimumBank Holdings, Inc.-- $0.18 $119.7M -
What do Analysts Say About USCB or OPHC?
USCB Financial Holdings, Inc. has a consensus price target of $21.30, signalling upside risk potential of 11.87%. On the other hand OptimumBank Holdings, Inc. has an analysts' consensus of $5.00 which suggests that it could grow by 18.62%. Given that OptimumBank Holdings, Inc. has higher upside potential than USCB Financial Holdings, Inc., analysts believe OptimumBank Holdings, Inc. is more attractive than USCB Financial Holdings, Inc..
Company Buy Ratings Hold Ratings Sell Ratings USCBUSCB Financial Holdings, Inc.1 2 0 OPHCOptimumBank Holdings, Inc.0 1 0 -
Is USCB or OPHC More Risky?
USCB Financial Holdings, Inc. has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison OptimumBank Holdings, Inc. has a beta of 0.287, suggesting its less volatile than the S&P 500 by 71.332%.
-
Which is a Better Dividend Stock USCB or OPHC?
USCB Financial Holdings, Inc. has a quarterly dividend of $0.10 per share corresponding to a yield of 2.1%. OptimumBank Holdings, Inc. offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. USCB Financial Holdings, Inc. pays 16.08% of its earnings as a dividend. OptimumBank Holdings, Inc. pays out -- of its earnings as a dividend. USCB Financial Holdings, Inc.'s payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios USCB or OPHC?
USCB Financial Holdings, Inc. quarterly revenues are $41.4M, which are larger than OptimumBank Holdings, Inc. quarterly revenues of $18.3M. USCB Financial Holdings, Inc.'s net income of $8.9M is higher than OptimumBank Holdings, Inc.'s net income of $4.3M. Notably, USCB Financial Holdings, Inc.'s price-to-earnings ratio is 12.11x while OptimumBank Holdings, Inc.'s PE ratio is 3.67x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for USCB Financial Holdings, Inc. is 2.45x versus 0.91x for OptimumBank Holdings, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income USCBUSCB Financial Holdings, Inc.2.45x 12.11x $41.4M $8.9M OPHCOptimumBank Holdings, Inc.0.91x 3.67x $18.3M $4.3M
-
Which has Higher Returns USCB or PRK?
Park National Corp. has a net margin of 21.59% compared to USCB Financial Holdings, Inc.'s net margin of 27.82%. USCB Financial Holdings, Inc.'s return on equity of 14.45% beat Park National Corp.'s return on equity of 13.78%.
Company Gross Margin Earnings Per Share Invested Capital USCBUSCB Financial Holdings, Inc.-- $0.45 $265.6M PRKPark National Corp.-- $2.92 $1.4B -
What do Analysts Say About USCB or PRK?
USCB Financial Holdings, Inc. has a consensus price target of $21.30, signalling upside risk potential of 11.87%. On the other hand Park National Corp. has an analysts' consensus of $180.33 which suggests that it could grow by 13.71%. Given that Park National Corp. has higher upside potential than USCB Financial Holdings, Inc., analysts believe Park National Corp. is more attractive than USCB Financial Holdings, Inc..
Company Buy Ratings Hold Ratings Sell Ratings USCBUSCB Financial Holdings, Inc.1 2 0 PRKPark National Corp.0 4 0 -
Is USCB or PRK More Risky?
USCB Financial Holdings, Inc. has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison Park National Corp. has a beta of 0.734, suggesting its less volatile than the S&P 500 by 26.635%.
-
Which is a Better Dividend Stock USCB or PRK?
USCB Financial Holdings, Inc. has a quarterly dividend of $0.10 per share corresponding to a yield of 2.1%. Park National Corp. offers a yield of 2.7% to investors and pays a quarterly dividend of $2.32 per share. USCB Financial Holdings, Inc. pays 16.08% of its earnings as a dividend. Park National Corp. pays out 45.49% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios USCB or PRK?
USCB Financial Holdings, Inc. quarterly revenues are $41.4M, which are smaller than Park National Corp. quarterly revenues of $169.5M. USCB Financial Holdings, Inc.'s net income of $8.9M is lower than Park National Corp.'s net income of $47.2M. Notably, USCB Financial Holdings, Inc.'s price-to-earnings ratio is 12.11x while Park National Corp.'s PE ratio is 14.61x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for USCB Financial Holdings, Inc. is 2.45x versus 3.90x for Park National Corp.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income USCBUSCB Financial Holdings, Inc.2.45x 12.11x $41.4M $8.9M PRKPark National Corp.3.90x 14.61x $169.5M $47.2M
-
Which has Higher Returns USCB or TMP?
Tompkins Financial Corp. has a net margin of 21.59% compared to USCB Financial Holdings, Inc.'s net margin of 19.46%. USCB Financial Holdings, Inc.'s return on equity of 14.45% beat Tompkins Financial Corp.'s return on equity of 11.34%.
Company Gross Margin Earnings Per Share Invested Capital USCBUSCB Financial Holdings, Inc.-- $0.45 $265.6M TMPTompkins Financial Corp.-- $1.65 $1.3B -
What do Analysts Say About USCB or TMP?
USCB Financial Holdings, Inc. has a consensus price target of $21.30, signalling upside risk potential of 11.87%. On the other hand Tompkins Financial Corp. has an analysts' consensus of $78.00 which suggests that it could grow by 5.42%. Given that USCB Financial Holdings, Inc. has higher upside potential than Tompkins Financial Corp., analysts believe USCB Financial Holdings, Inc. is more attractive than Tompkins Financial Corp..
Company Buy Ratings Hold Ratings Sell Ratings USCBUSCB Financial Holdings, Inc.1 2 0 TMPTompkins Financial Corp.0 1 0 -
Is USCB or TMP More Risky?
USCB Financial Holdings, Inc. has a beta of 0.000, which suggesting that the stock is 100% less volatile than S&P 500. In comparison Tompkins Financial Corp. has a beta of 0.823, suggesting its less volatile than the S&P 500 by 17.709%.
-
Which is a Better Dividend Stock USCB or TMP?
USCB Financial Holdings, Inc. has a quarterly dividend of $0.10 per share corresponding to a yield of 2.1%. Tompkins Financial Corp. offers a yield of 3.39% to investors and pays a quarterly dividend of $0.65 per share. USCB Financial Holdings, Inc. pays 16.08% of its earnings as a dividend. Tompkins Financial Corp. pays out 49.14% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios USCB or TMP?
USCB Financial Holdings, Inc. quarterly revenues are $41.4M, which are smaller than Tompkins Financial Corp. quarterly revenues of $121.7M. USCB Financial Holdings, Inc.'s net income of $8.9M is lower than Tompkins Financial Corp.'s net income of $23.7M. Notably, USCB Financial Holdings, Inc.'s price-to-earnings ratio is 12.11x while Tompkins Financial Corp.'s PE ratio is 12.55x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for USCB Financial Holdings, Inc. is 2.45x versus 2.28x for Tompkins Financial Corp.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income USCBUSCB Financial Holdings, Inc.2.45x 12.11x $41.4M $8.9M TMPTompkins Financial Corp.2.28x 12.55x $121.7M $23.7M
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