USCB Financial (NASDAQ:USCB) and Seacoast Banking Corporation of Florida (NASDAQ:SBCF) Head to Head Contrast

USCB Financial (NASDAQ:USCB) and Seacoast Banking Corporation of Florida (NASDAQ:SBCF) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their analyst recommendations, institutional ownership, valuation, profitability, dividends, risk and earnings.

Risk & Volatility

USCB Financial has a beta of 0.6, meaning that its stock price is 40% less volatile than the S&P 500. Comparatively, Seacoast Banking Corporation of Florida has a beta of 0.91, meaning that its stock price is 9% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings and target prices for USCB Financial and Seacoast Banking Corporation of Florida, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
USCB Financial	0	2	2	1	2.80
Seacoast Banking Corporation of Florida	0	3	3	0	2.50

USCB Financial currently has a consensus price target of $22.00, suggesting a potential upside of 19.50%. Seacoast Banking Corporation of Florida has a consensus price target of $33.38, suggesting a potential upside of 6.70%. Given USCB Financial’s stronger consensus rating and higher probable upside, research analysts plainly believe USCB Financial is more favorable than Seacoast Banking Corporation of Florida.

Dividends

USCB Financial pays an annual dividend of $0.50 per share and has a dividend yield of 2.7%. Seacoast Banking Corporation of Florida pays an annual dividend of $0.76 per share and has a dividend yield of 2.4%. USCB Financial pays out 35.0% of its earnings in the form of a dividend. Seacoast Banking Corporation of Florida pays out 47.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. USCB Financial has raised its dividend for 2 consecutive years and Seacoast Banking Corporation of Florida has raised its dividend for 4 consecutive years. USCB Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

Valuation and Earnings

This table compares USCB Financial and Seacoast Banking Corporation of Florida”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
USCB Financial	$159.60 million	2.11	$26.10 million	$1.43	12.87
Seacoast Banking Corporation of Florida	$935.52 million	3.27	$144.88 million	$1.60	19.55

Seacoast Banking Corporation of Florida has higher revenue and earnings than USCB Financial. USCB Financial is trading at a lower price-to-earnings ratio than Seacoast Banking Corporation of Florida, indicating that it is currently the more affordable of the two stocks.

Insider & Institutional Ownership

61.3% of USCB Financial shares are owned by institutional investors. Comparatively, 81.8% of Seacoast Banking Corporation of Florida shares are owned by institutional investors. 49.5% of USCB Financial shares are owned by insiders. Comparatively, 1.5% of Seacoast Banking Corporation of Florida shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Profitability

This table compares USCB Financial and Seacoast Banking Corporation of Florida’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
USCB Financial	17.04%	15.44%	1.23%
Seacoast Banking Corporation of Florida	15.47%	7.07%	0.98%

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.

About Seacoast Banking Corporation of Florida

Seacoast Banking Corp. of Florida is a financial holding company, which engages in the provision of integrated financial services. It provides banking and investment services to businesses and consumers, including personal and business deposit products, Internet and mobile banking, personal, commercial and mortgage loans, wealth management services, and treasury management solutions. The company was founded in 1983 and is headquartered in Stuart, FL.