Colony Bankcorp vs USCB Financial
CBAN and USCB side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CBAN and USCB compare
Colony Bankcorp is the larger company, worth 1.2 times as much as USCB Financial ($432M against $374M).
Colony Bankcorp grew revenue faster over the last twelve months (28.1% versus 4.2% for USCB Financial).
USCB Financial keeps more of each dollar of sales as profit, with a net margin of 29.6% compared with 9.8% at Colony Bankcorp.
Both pay dividends: Colony Bankcorp yields 1.8% and USCB Financial 2.3%.
Colony Bankcorp scores higher on the StockData Score (10 against 8 for USCB Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CBAN | USCB |
|---|---|---|
| Size and price | ||
| Market cap | $432M | $374M |
| Share price | $20.34 | $20.26 |
| Change, 1 year | 25.5% | 13.1% |
| Change, 5 years | 9.8% | 36.6% |
| Beta (5Y) | 0.57 | 0.53 |
| Employees | 537 | 205 |
| StockData Score | ||
| Total score | 10 (better) | 8 |
| Valuation score | 2 (better) | 0 |
| Growth score | 1 (better) | 0 |
| Performance score | 0 | 4 (better) |
| Health score | 4 (better) | 1 |
| Dividend score | 3 | 3 |
| Valuation | ||
| P/S | 2.7× (better) | 3.8× |
| P/B | 1.1× (better) | 1.6× |
| P/FCF | 34.9× | 8.7× (better) |
| FCF yield | 2.9% | 11.5% (better) |
| Growth | ||
| Revenue growth (TTM) | 28.1% (better) | 4.2% |
| Revenue growth, 5Y average | −17.7% | 12.7% (better) |
| Net income growth (TTM) | −43.3% | −7.3% (better) |
| EPS growth, 5Y average | −21.1% | – |
| Profitability | ||
| Net margin | 9.8% | 29.6% (better) |
| FCF margin | 7.7% | 43.4% (better) |
| Return on equity | 4.5% | 13.4% (better) |
| Financial health | ||
| Altman Z-score | 0.19 (better) | 0.10 |
| Piotroski F-score | 3 | 5 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.8% | 2.3% (better) |
| Payout ratio | 61.1% | 29.7% |
| Years of dividend growth | 0 | – |
| Dividend growth, 5Y average | −22.1% | – |
| Buyback yield | 0.59% (better) | −0.49% |
| Shareholder yield | 2.4% (better) | 1.9% |
| Ownership | ||
| Held by institutions | 60.6% | 67.5% |
| Held by insiders | 4.3% | 27.3% |
| Insider net buying, 12 months | $306K (better) | −$7.4M |
| Short interest, % of float | 6.5% | 1.7% |
Go deeper
- CBAN stock overview
- CBAN income statement
- CBAN valuation and score
- USCB stock overview
- USCB income statement
- USCB valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.