Primis Financial (NASDAQ:FRST – Get Free Report) and USCB Financial (NASDAQ:USCB – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their valuation, profitability, risk, earnings, institutional ownership, analyst recommendations and dividends.
Dividends
Primis Financial pays an annual dividend of $0.40 per share and has a dividend yield of 3.4%. USCB Financial pays an annual dividend of $0.40 per share and has a dividend yield of 2.1%. USCB Financial pays out 32.5% of its earnings in the form of a dividend.
Insider and Institutional Ownership
75.0% of Primis Financial shares are owned by institutional investors. Comparatively, 61.3% of USCB Financial shares are owned by institutional investors. 10.9% of Primis Financial shares are owned by company insiders. Comparatively, 48.5% of USCB Financial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Primis Financial | 0 | 0 | 1 | 0 | 3.00 |
| USCB Financial | 0 | 1 | 2 | 1 | 3.00 |
Primis Financial presently has a consensus price target of $14.00, indicating a potential upside of 20.59%. USCB Financial has a consensus price target of $16.38, indicating a potential downside of 15.42%. Given Primis Financial’s higher possible upside, analysts clearly believe Primis Financial is more favorable than USCB Financial.
Volatility and Risk
Primis Financial has a beta of 0.79, meaning that its stock price is 21% less volatile than the S&P 500. Comparatively, USCB Financial has a beta of 0.64, meaning that its stock price is 36% less volatile than the S&P 500.
Earnings and Valuation
This table compares Primis Financial and USCB Financial”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Primis Financial | $143.23 million | 2.00 | -$7.83 million | N/A | N/A |
| USCB Financial | $75.39 million | 5.09 | $16.55 million | $1.23 | 15.74 |
USCB Financial has lower revenue, but higher earnings than Primis Financial.
Profitability
This table compares Primis Financial and USCB Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Primis Financial | 6.00% | 3.28% | 0.33% |
| USCB Financial | 15.12% | 10.55% | 0.86% |
Summary
USCB Financial beats Primis Financial on 9 of the 15 factors compared between the two stocks.
About Primis Financial
Primis Financial Corp. operates as the bank holding company for Primis Bank that provides a range of financial services to individuals and small and medium sized businesses in the United States. Its deposit products include checking, NOW, savings, and money market accounts, as well as certificates of deposits. The company also provides commercial business and real estate, construction, secured asset based, small business administration, mortgage warehouse lending products, as well as financing for medical, dental, and veterinary businesses; residential mortgage, trust mortgage, home equity lines of credit, secured and unsecured personal, and consumer loans, as well as life insurance premium financing and demand loans. It also offers cash management services comprising investment/sweep, zero balance, and controlled disbursement accounts; and wire transfer, employer/payroll processing, night depository, depository transfer, merchant, ACH origination, and remote deposit capture services. In addition, the company provides debit cards, ATM services, notary services, and mobile and online banking. It operates full-service branches in Virginia and Maryland. The company was formerly known as Southern National Bancorp of Virginia, Inc. and changed its name to Primis Financial Corp. Primis Financial Corp. was founded in 2004 and is based in McLean, Virginia.
About USCB Financial
USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that engages in the provision of various personal and business banking products and services in the United States. It accepts various deposit products, including commercial and consumer checking, money market deposit, savings, and time deposit accounts, as well as certificates of deposit. It also offers loan products, such as small business administration loans, yacht financing, residential and commercial real estate loans; commercial and industrial loans; foreign bank loans; and secured and unsecured consumer loans comprising personal loans, overdrafts, and deposit account collateralized loans. The company also offers lockbox, treasury, commercial payments, cash management, and online banking services, as well as provides title insurance policies for real estate transactions. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida.
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