Primis Financial (NASDAQ:FRST) & USCB Financial (NASDAQ:USCB) Head-To-Head Survey

Primis Financial (NASDAQ:FRST) and USCB Financial (NASDAQ:USCB) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their analyst recommendations, risk, institutional ownership, profitability, earnings, dividends and valuation.

Profitability

This table compares Primis Financial and USCB Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Primis Financial	6.00%	3.28%	0.33%
USCB Financial	15.12%	10.55%	0.86%

Earnings and Valuation

This table compares Primis Financial and USCB Financial”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Primis Financial	$244.23 million	1.07	-$7.83 million	N/A	N/A
USCB Financial	$108.42 million	3.59	$16.55 million	$1.03	19.04

USCB Financial has lower revenue, but higher earnings than Primis Financial.

Volatility and Risk

Primis Financial has a beta of 0.79, suggesting that its stock price is 21% less volatile than the S&P 500. Comparatively, USCB Financial has a beta of 0.64, suggesting that its stock price is 36% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent recommendations for Primis Financial and USCB Financial, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Primis Financial	0	0	1	0	3.00
USCB Financial	0	1	2	1	3.00

Primis Financial presently has a consensus target price of $14.00, suggesting a potential upside of 32.08%. USCB Financial has a consensus target price of $17.50, suggesting a potential downside of 10.76%. Given Primis Financial’s higher probable upside, equities research analysts plainly believe Primis Financial is more favorable than USCB Financial.

Dividends

Primis Financial pays an annual dividend of $0.40 per share and has a dividend yield of 3.8%. USCB Financial pays an annual dividend of $0.20 per share and has a dividend yield of 1.0%. USCB Financial pays out 19.4% of its earnings in the form of a dividend.

Institutional & Insider Ownership

75.0% of Primis Financial shares are held by institutional investors. Comparatively, 61.3% of USCB Financial shares are held by institutional investors. 10.9% of Primis Financial shares are held by company insiders. Comparatively, 48.5% of USCB Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Summary

USCB Financial beats Primis Financial on 9 of the 15 factors compared between the two stocks.

About Primis Financial

Primis Financial Corp. operates as the bank holding company for Primis Bank that provides a range of financial services to individuals and small and medium sized businesses in the United States. Its deposit products include checking, NOW, savings, and money market accounts, as well as certificates of deposits. The company also provides commercial business and real estate, construction, secured asset based, small business administration, mortgage warehouse lending products, as well as financing for medical, dental, and veterinary businesses; residential mortgage, trust mortgage, home equity lines of credit, secured and unsecured personal, and consumer loans, as well as life insurance premium financing and demand loans. It also offers cash management services comprising investment/sweep, zero balance, and controlled disbursement accounts; and wire transfer, employer/payroll processing, night depository, depository transfer, merchant, ACH origination, and remote deposit capture services. In addition, the company provides debit cards, ATM services, notary services, and mobile and online banking. It operates full-service branches in Virginia and Maryland. The company was formerly known as Southern National Bancorp of Virginia, Inc. and changed its name to Primis Financial Corp. Primis Financial Corp. was founded in 2004 and is based in McLean, Virginia.

About USCB Financial

USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that engages in the provision of various personal and business banking products and services in the United States. It accepts various deposit products, including commercial and consumer checking, money market deposit, savings, and time deposit accounts, as well as certificates of deposit. It also offers loan products, such as small business administration loans, yacht financing, residential and commercial real estate loans; commercial and industrial loans; foreign bank loans; and secured and unsecured consumer loans comprising personal loans, overdrafts, and deposit account collateralized loans. The company also offers lockbox, treasury, commercial payments, cash management, and online banking services, as well as provides title insurance policies for real estate transactions. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida.