Head-To-Head Contrast: Origin Bancorp (NASDAQ:OBK) vs. USCB Financial (NASDAQ:USCB)

Origin Bancorp (NASDAQ:OBK) and USCB Financial (NASDAQ:USCB) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their valuation, institutional ownership, earnings, profitability, risk, analyst recommendations and dividends.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Origin Bancorp and USCB Financial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Origin Bancorp	0	1	3	1	3.00
USCB Financial	0	1	2	1	3.00

Origin Bancorp presently has a consensus target price of $36.80, indicating a potential upside of 10.21%. USCB Financial has a consensus target price of $16.38, indicating a potential downside of 7.95%. Given Origin Bancorp’s higher possible upside, research analysts clearly believe Origin Bancorp is more favorable than USCB Financial.

Valuation and Earnings

This table compares Origin Bancorp and USCB Financial”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Origin Bancorp	$354.68 million	2.93	$83.80 million	$2.43	13.74
USCB Financial	$75.39 million	4.68	$16.55 million	$1.03	17.27

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

Dividends

Origin Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 1.8%. USCB Financial pays an annual dividend of $0.20 per share and has a dividend yield of 1.1%. Origin Bancorp pays out 24.7% of its earnings in the form of a dividend. USCB Financial pays out 19.4% 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.

Volatility and Risk

Origin Bancorp has a beta of 1, suggesting that its stock price has a similar volatility profile to the S&P 500.Comparatively, USCB Financial has a beta of 0.59, suggesting that its stock price is 41% less volatile than the S&P 500.

Institutional & Insider Ownership

54.7% of Origin Bancorp shares are owned by institutional investors. Comparatively, 61.3% of USCB Financial shares are owned by institutional investors. 6.2% of Origin Bancorp shares are owned by insiders. Comparatively, 48.5% of USCB Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Profitability

This table compares Origin Bancorp and USCB Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Origin Bancorp	12.12%	7.36%	0.82%
USCB Financial	15.12%	10.55%	0.86%

Summary

USCB Financial beats Origin Bancorp on 8 of the 15 factors compared between the two stocks.

About Origin Bancorp

Origin Bancorp, Inc. operates as a bank holding company for Origin Bank that provides banking and financial services to small and medium-sized businesses, municipalities, and retail clients in Texas, Louisiana, and Mississippi. It offers noninterest and interest-bearing checking accounts, savings deposits, money market accounts, and time deposits; and offers commercial real estate, construction and land development, consumer, residential real estate, commercial and industrial, mortgage warehouse, and residential mortgage loans. The company also offers personal and commercial property, and casualty insurance products; and Internet banking and voice response information, mobile applications, cash management, overdraft protection, direct deposit, safe deposit boxes, U.S. savings bonds, and automatic account transfer services; and mobile and online banking, treasury management, mortgage origination and servicing facilities, peer-to-peer electronic pay solutions, and personal financial management solutions. The company was founded in 1912 and is headquartered in Ruston, Louisiana.

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.