First Carolina Financial Services (FCBM) vs USCB Financial (USCB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
USCB Financial is the larger company by market cap ($406.1 million vs $394.0 million), about 1.0 times the size. On valuation, First Carolina Financial Services trades at a lower forward P/E (9.3x vs 9.4x for USCB Financial). USCB Financial pays a dividend yielding 2.05%, while First Carolina Financial Services does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FCBM | USCB |
|---|---|---|
| Share price | $12.68 | $21.98 |
| Market cap | $393.95M | $406.07M |
| 1-day change | -0.63% | -1.43% |
| YTD return | — | +19.33% |
| 1-year return | — | +28.24% |
| 5-year return | — | +74.17% |
| P/E ratio (TTM) | 23.92 | 14.27 |
| Forward P/E | 9.32 | 9.43 |
| EPS (TTM) | $0.53 | $1.54 |
| Dividend yield | 0.00% | 2.05% |
| Annual dividend | $0.00 | $0.45 |
| 52-week high | $13.40 | $23.89 |
| 52-week low | $12.17 | $16.36 |
| Distance from 52-week high | -5.37% | -7.98% |
| Analyst consensus | buy | none |
| Avg. price target upside | +15.69% | +10.78% |
| Average volume | 147.39K | 67.23K |
| Shares outstanding | 31.07M | 18.47M |
| Employees | 269 | 216 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- First Carolina Financial Services trades at a higher earnings multiple (23.9x vs 14.3x trailing P/E).
- USCB Financial offers a meaningfully higher dividend yield (2.05% vs 0.00%).
About First Carolina Financial Services
FCBM stock →First Carolina Financial Services, Inc. operates as a bank holding company for First Carolina Bank that provides commercial banking services in the United States.
Financial Services · Banks - Regional · 269 employees
About USCB Financial
USCB stock →USCB Financial Holdings, Inc. operates as the bank holding company for U.S.
Financial Services · Banks - Regional · 216 employees
FCBM vs USCB FAQ
Which is bigger, First Carolina Financial Services or USCB Financial?
USCB Financial (USCB) is larger, with a market capitalization of $406.07M compared with $393.95M for First Carolina Financial Services (FCBM).
Which has the lower P/E ratio, FCBM or USCB?
USCB has the lower trailing P/E at 14.3, versus 23.9 for FCBM. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, First Carolina Financial Services or USCB Financial?
USCB Financial pays a dividend yielding 2.05%, while First Carolina Financial Services does not currently pay a regular dividend.
Are First Carolina Financial Services and USCB Financial in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.