ISTR vs USCB: stock comparison and AI forecast
Investar Holding Corp (ISTR) and Uscb Financial Holdings, Inc. (USCB) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
ISTR Investar Holding Corp
- Price
- $27.93 -0.5% · 6M
- Market Cap
- $385M
- P/E Ratio
- 12.3x
- Size
- small-cap
- AI Forecast
USCB Uscb Financial Holdings, Inc.
- Price
- $20.07 +10.4% · 6M
- Market Cap
- $367M
- P/E Ratio
- 10.9x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- ISTR and USCB have similar market capitalizations ($385M and $367M).
- USCB trades at 10.9 times trailing earnings, ISTR at 12.2 times.
- Over the last six months USCB returned +10.4% and ISTR -0.5%.
- USCB carries 11.85 times debt per unit of equity, against 8.19 times for ISTR.
- USCB yields 2.29% in dividends and ISTR 1.24%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | ISTR | USCB |
|---|---|---|
| Market Cap | $385M | $367M |
| P/E Ratio | 12.25x | 10.90x |
| P/B Ratio | 0.92x | 1.69x |
| Dividend Yield | 1.24% | 2.29% |
| EPS | $2.28 | $1.82 |
| Book Value/Share | $30.50 | $11.76 |
| Revenue/Share | $8.82 | $5.11 |
| FCF/Share | – | $2.66 |
Profitability & Margins
| Metric | ISTR | USCB |
|---|---|---|
| ROE | 8.0% | – |
| ROA | 0.9% | – |
| Net Margin | 27.6% | – |
| EBT Margin | 33.9% | – |
| Tax Rate | 18.5% | 27.2% |
Financial Health
| Metric | ISTR | USCB |
|---|---|---|
| D/E Ratio | 8.19x | 11.85x |
| Financial Leverage | 9.19x | – |
Cash Flow
| Metric | ISTR | USCB |
|---|---|---|
| Operating Cash Flow | $27M | $50M |
| Free Cash Flow | – | $49M |
| Capital Spending | – | -$970K |
| OCF Growth YoY | 108.5% | – |
| FCF/Sales | – | 52.0% |
| CapEx/Sales | – | 1.0% |
Operational Efficiency
| Metric | ISTR | USCB |
|---|---|---|
| Asset Turnover | 0.03x | – |
| Fixed Assets Turnover | 2.0x | 20.3x |
Income Statement
| Metric | ISTR | USCB |
|---|---|---|
| Total Revenue | $122M | $94M |
| Net Income | $34M | – |
Dividend & Shareholder Information
| Metric | ISTR | USCB |
|---|---|---|
| Dividends Per Share | $0.35 | $0.45 |
| Payout Ratio | 15.3% | 24.7% |
| Shares Outstanding | 14M | 18M |
| Net Income Growth | 50.9% | – |
| EPS Growth | 9.1% | – |
ISTR vs USCB: stock comparison and AI forecast
Which is bigger, ISTR or USCB?
ISTR and USCB have similar market capitalizations ($385M and $367M).
Which is cheaper on earnings, ISTR or USCB?
USCB trades at 10.9 times trailing earnings, ISTR at 12.2 times.
Which stock performed better over the last six months, ISTR or USCB?
Over the last six months USCB returned +10.4% and ISTR -0.5%.
Which one does Intratio's AI model rank higher, ISTR or USCB?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
More comparisons
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.