OBK vs USCB: stock comparison and AI forecast
Origin Bancorp, Inc. (OBK) and Uscb Financial Holdings, Inc. (USCB) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
OBK Origin Bancorp, Inc.
- Price
- $54.13 +17.0% · 6M
- Market Cap
- $1.65B
- P/E Ratio
- 17.8x
- 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
- OBK is 4.5 times larger than USCB by market capitalization ($1.65B against $367M).
- USCB trades at 10.9 times trailing earnings, OBK at 17.8 times.
- Over the last six months OBK returned +17.0% and USCB +10.4%.
- USCB carries 11.85 times debt per unit of equity, against 11.55 times for OBK.
- USCB yields 2.29% in dividends and OBK 1.33%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | OBK | USCB |
|---|---|---|
| Market Cap | $1.65B | $367M |
| P/E Ratio | 17.75x | 10.90x |
| P/B Ratio | 2.56x | 1.69x |
| Dividend Yield | 1.33% | 2.29% |
| EPS | $3.02 | $1.82 |
| Book Value/Share | $20.95 | $11.76 |
| Revenue/Share | $12.31 | $5.11 |
| FCF/Share | $5.69 | $2.66 |
Profitability & Margins
| Metric | OBK | USCB |
|---|---|---|
| ROE | 13.2% | – |
| Net Margin | 30.3% | – |
| EBT Margin | 45.1% | – |
| Tax Rate | 21.4% | 27.2% |
Financial Health
| Metric | OBK | USCB |
|---|---|---|
| D/E Ratio | 11.55x | 11.85x |
Cash Flow
| Metric | OBK | USCB |
|---|---|---|
| Operating Cash Flow | $196M | $50M |
| Free Cash Flow | $175M | $49M |
| Capital Spending | -$20M | -$970K |
| OCF Growth YoY | 55.7% | – |
| FCF Growth YoY | 57.9% | – |
| FCF/Sales | 46.2% | 52.0% |
| CapEx/Sales | 5.3% | 1.0% |
Operational Efficiency
| Metric | OBK | USCB |
|---|---|---|
| Fixed Assets Turnover | 2.8x | 20.3x |
Income Statement
| Metric | OBK | USCB |
|---|---|---|
| Total Revenue | $380M | $94M |
| Net Income | $85M | – |
Dividend & Shareholder Information
| Metric | OBK | USCB |
|---|---|---|
| Dividends Per Share | $0.71 | $0.45 |
| Payout Ratio | 23.5% | 24.7% |
| Shares Outstanding | 31M | 18M |
| Net Income Growth | 0.0% | – |
| EPS Growth | 34.2% | – |
OBK vs USCB: stock comparison and AI forecast
Which is bigger, OBK or USCB?
OBK is 4.5 times larger than USCB by market capitalization ($1.65B against $367M).
Which is cheaper on earnings, OBK or USCB?
USCB trades at 10.9 times trailing earnings, OBK at 17.8 times.
Which stock performed better over the last six months, OBK or USCB?
Over the last six months OBK returned +17.0% and USCB +10.4%.
Which one does Intratio's AI model rank higher, OBK 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.
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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.