COMP <GO>
USCB vs ISTR // EV/EBITDA & P/E VALUATION
USCB Financial Holdings Inc. (Class A) (NASDAQ) VS. Investar Holding Corporation (NASDAQ) • 15-METRIC TALLY: USCB 5
— ISTR 2
■ METRIC PARITY
LAST: $20.07 (+0.96%) • MKT CAP: $370.8M
valuation
—
LAST: $28.29 (+2.54%) • MKT CAP: $389.8M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (USCB VS. ISTR)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | USCB | ISTR | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 12.00% | 7.60% | +4.40 | USCB | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 11.59% | 4.75% | +6.84 | USCB | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.13% | 1.10% | +1.03 | USCB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 4/9 | +1.00 | USCB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 34.4 | 46.7 | -12.30 | ISTR | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.1x | 15.5x | -2.40 | USCB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $370.8M | $389.8M | -$19.0M | ISTR | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | USCB REV | ISTR REV | USCB GROSS % | ISTR GROSS % | USCB FCF | ISTR FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.17B | $1.19B | — | — | $42.5M | $18.2M |
| FY 2024 | $1.08B | $1.14B | — | — | $34.5M | $15.9M |
| FY 2023 | $85.7M | $99.7M | — | — | $22.5M | $26.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
USCB // BETA —
ISTR // BETA —