First Bank (FRBA) vs USCB Financial (USCB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
USCB Financial (USCB) has outperformed First Bank (FRBA) over the past year, gaining 28.2% versus a gain of 12.1%. Over five years, USCB leads with a +74.2% price change compared with +16.4% for FRBA. First Bank is the larger company by market cap ($434.4 million vs $406.1 million), about 1.1 times the size.
On valuation, USCB Financial trades at a lower forward P/E (9.4x vs 9.7x for First Bank). USCB Financial offers the higher dividend yield (2.05% vs 1.71%).
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 | FRBA | USCB |
|---|---|---|
| Share price | $17.55 | $21.98 |
| Market cap | $434.43M | $406.07M |
| 1-day change | -0.57% | -1.43% |
| YTD return | +6.62% | +19.33% |
| 1-year return | +12.07% | +28.24% |
| 5-year return | +16.38% | +74.17% |
| P/E ratio (TTM) | 10.32 | 14.09 |
| Forward P/E | 9.72 | 9.43 |
| EPS (TTM) | $1.70 | $1.56 |
| Dividend yield | 1.71% | 2.05% |
| Annual dividend | $0.30 | $0.45 |
| 52-week high | $19.33 | $23.89 |
| 52-week low | $14.41 | $16.36 |
| Distance from 52-week high | -9.21% | -7.98% |
| Average volume | 96.05K | 67.23K |
| Shares outstanding | 24.75M | 18.47M |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
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
- USCB has outperformed FRBA by 16.2 percentage points over the past year.
- USCB Financial trades at a higher earnings multiple (14.1x vs 10.3x trailing P/E).
FRBA vs USCB FAQ
Which is bigger, First Bank or USCB Financial?
First Bank (FRBA) is larger, with a market capitalization of $434.43M compared with $406.07M for USCB Financial (USCB).
Which stock has performed better over the past year, FRBA or USCB?
USCB returned +28.24% over the past 12 months, compared with +12.07% for FRBA (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FRBA or USCB?
FRBA has the lower trailing P/E at 10.3, versus 14.1 for USCB. 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 Bank or USCB Financial?
USCB Financial has the higher yield at 2.05%, compared with 1.71% for First Bank.
Are First Bank and USCB Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.