Comparing BEO Bancorp (OTCMKTS:BEOB) and USCB Financial (NASDAQ:USCB)

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

Dividends

USCB Financial pays an annual dividend of $0.20 per share and has a dividend yield of 1.9%. BEO Bancorp pays an annual dividend of $1.15 per share and has a dividend yield of 1.8%. USCB Financial pays out 24.1% of its earnings in the form of a dividend.

Analyst Recommendations

This is a breakdown of current ratings and price targets for USCB Financial and BEO Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
USCB Financial	0	2	2	0	2.50
BEO Bancorp	0	0	0	0	N/A

USCB Financial presently has a consensus target price of $13.33, suggesting a potential upside of 28.21%. Given USCB Financial’s higher probable upside, equities research analysts clearly believe USCB Financial is more favorable than BEO Bancorp.

Volatility & Risk

USCB Financial has a beta of 0.35, suggesting that its stock price is 65% less volatile than the S&P 500. Comparatively, BEO Bancorp has a beta of 0.27, suggesting that its stock price is 73% less volatile than the S&P 500.

Earnings & Valuation

This table compares USCB Financial and BEO Bancorp’s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
USCB Financial	$65.97 million	3.10	$16.55 million	$0.83	12.53
BEO Bancorp	$51.01 million	1.61	$14.21 million	N/A	N/A

USCB Financial has higher revenue and earnings than BEO Bancorp.

Insider and Institutional Ownership

61.3% of USCB Financial shares are held by institutional investors. 48.1% of USCB Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
USCB Financial	15.26%	9.28%	0.77%
BEO Bancorp	N/A	N/A	N/A

Summary

USCB Financial beats BEO Bancorp on 12 of the 13 factors compared between the two stocks.

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.

About BEO Bancorp

BEO Bancorp operates as the bank holding company for Bank of Eastern Oregon that provides commercial and consumer financing, banking and mortgage lending, and other services in Northeastern Oregon and Southeastern Washington. The company offers checking, savings, money market, time deposits, and certificates of deposit. It also provides commercial, agricultural, real estate, installment, credit card, mortgage, term, farm, and refinancing loans; lines of credit; Internet banking and bill payment services; and automated teller machines and safe deposit facilities, as well as originates and sells mortgage loans into the secondary market. The company was founded in 1945 and is based in Heppner, Oregon.