PCB Bancorp (PCB) 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
PCB Bancorp (PCB) has outperformed USCB Financial (USCB) over the past year, gaining 35.2% versus a gain of 28.2%. Over five years, USCB leads with a +74.2% price change compared with +34.7% for PCB. USCB Financial is the larger company by market cap ($407.5 million vs $388.1 million), about 1.1 times the size.
On valuation, PCB Bancorp trades at a lower forward P/E (9.2x vs 9.5x for USCB Financial). PCB Bancorp offers the higher dividend yield (3.04% vs 2.04%).
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 | PCB | USCB |
|---|---|---|
| Share price | $27.63 | $22.06 |
| Market cap | $388.05M | $407.55M |
| 1-day change | 0.00% | +0.36% |
| YTD return | +27.62% | +19.33% |
| 1-year return | +35.18% | +28.24% |
| 5-year return | +34.71% | +74.17% |
| P/E ratio (TTM) | 9.56 | 14.14 |
| Forward P/E | 9.19 | 9.46 |
| EPS (TTM) | $2.89 | $1.56 |
| Dividend yield | 3.04% | 2.04% |
| Annual dividend | $0.84 | $0.45 |
| 52-week high | $30.84 | $23.89 |
| 52-week low | $19.70 | $16.36 |
| Distance from 52-week high | -10.41% | -7.64% |
| Analyst consensus | hold | none |
| Avg. price target upside | +9.48% | +10.38% |
| Average volume | 38.88K | 67.20K |
| Shares outstanding | 14.04M | 18.47M |
| Employees | 274 | 216 |
| 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 Financial trades at a higher earnings multiple (14.1x vs 9.6x trailing P/E).
- PCB Bancorp offers a meaningfully higher dividend yield (3.04% vs 2.04%).
About PCB Bancorp
PCB stock →PCB Bancorp operates as the bank holding company for PCB Bank that provides various banking products and services to small and middle market businesses and individuals in the United States. The company offers demand, savings, money market, time deposits, and certificates of deposit; and remote deposit capture, courier deposit and positive pay services, zero balance accounts, and sweep accounts.
Finance · Major Banks · 274 employees
About USCB Financial
USCB stock →USCB Financial Holdings, Inc. operates as the bank holding company for U.S.
Finance · Major Banks · 216 employees
PCB vs USCB FAQ
Which is bigger, PCB Bancorp or USCB Financial?
USCB Financial (USCB) is larger, with a market capitalization of $407.55M compared with $388.05M for PCB Bancorp (PCB).
Which stock has performed better over the past year, PCB or USCB?
PCB returned +35.18% over the past 12 months, compared with +28.24% for USCB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, PCB or USCB?
PCB has the lower trailing P/E at 9.6, 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, PCB Bancorp or USCB Financial?
PCB Bancorp has the higher yield at 3.04%, compared with 2.04% for USCB Financial.
Are PCB Bancorp and USCB Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.