QNB (OTCMKTS:QNBC – Get Rating) and USCB Financial (NASDAQ:USCB – Get Rating) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their profitability, dividends, risk, analyst recommendations, institutional ownership, valuation and earnings.
Profitability
This table compares QNB and USCB Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| QNB | 26.59% | 22.01% | 0.99% |
| USCB Financial | 25.27% | 12.49% | 1.09% |
Valuation & Earnings
This table compares QNB and USCB Financial’s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| QNB | $58.15 million | 1.42 | $15.92 million | $4.57 | 5.01 |
| USCB Financial | $76.33 million | 2.56 | $20.14 million | $1.05 | 9.49 |
Risk & Volatility
QNB has a beta of 0.48, suggesting that its stock price is 52% less volatile than the S&P 500. Comparatively, USCB Financial has a beta of 0.3, suggesting that its stock price is 70% less volatile than the S&P 500.
Insider and Institutional Ownership
3.5% of QNB shares are owned by institutional investors. Comparatively, 50.8% of USCB Financial shares are owned by institutional investors. 12.3% of QNB shares are owned by insiders. Comparatively, 48.1% of USCB Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Analyst Ratings
This is a breakdown of current recommendations and price targets for QNB and USCB Financial, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| QNB | 0 | 0 | 0 | 0 | N/A |
| USCB Financial | 0 | 0 | 2 | 0 | 3.00 |
USCB Financial has a consensus price target of $14.00, suggesting a potential upside of 40.56%. Given USCB Financial’s higher probable upside, analysts clearly believe USCB Financial is more favorable than QNB.
Summary
USCB Financial beats QNB on 9 of the 13 factors compared between the two stocks.
About QNB
QNB Corp. is a bank holding company, which engages in the provision of commercial, retail banking, and retail brokerage services. The company was founded in 1877 and is headquartered in Quakertown, PA.
About USCB Financial
USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various banking products and services to small-to-medium sized businesses. The company accepts checking, savings, money market, and time deposit accounts; and certificates of deposit. Its loan products include residential real estate loans; commercial real estate loans; commercial and industrial loans; foreign banks loans; and secured and unsecured consumer loans comprising personal loans, overdrafts, and deposit account collateralized loans. The company also offers treasury, commercial payments, cash management, and online banking services. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida.
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