ISTR vs USCB

Comparison between Investar Holding Corp (ISTR, Company) and USCB Financial Holdings Inc - Class A (USCB, Company).

Both ISTR and USCB are from the Financial Services sector.

5-Year PerformanceUSCB has outperformed ISTR, delivering a return of +16.1% compared to +8.9%

ISTR vs USCB - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ISTR(COMPANY)	USCB(COMPANY)
Market Cap	$406M	$405M
Max Drawdown	68.64%	44.24%
Sharpe Ratio	1.16	0.72
5Y Beta	0.78	0.83
Industry	Banks - Regional	Banks - Regional
P/E Ratio	11.51	13.92
Forward P/E	9.84	11.45
PEG Ratio	0.74	N/A
Dividend Yield	1.52%	2.08%
5Y Dividends CAGR	1.49%	N/A
5Y EPS CAGR	7.89%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	5.83%	10.58%
P/S Ratio	3.39	4.04
P/B Ratio	1.05	1.67

Market Cap

Winner

ISTR

$406M

USCB

$405M

Max Drawdown

ISTR

68.64%

Winner

USCB

44.24%

Sharpe Ratio

Winner

ISTR

1.16

USCB

0.72

5Y Beta

Winner

ISTR

0.78

USCB

0.83

Industry

ISTR

Banks - Regional

USCB

Banks - Regional

P/E Ratio

Winner

ISTR

11.51

USCB

13.92

Forward P/E

Winner

ISTR

9.84

USCB

11.45

PEG Ratio

ISTR

0.74

USCB

N/A

Dividend Yield

ISTR

1.52%

Winner

USCB

2.08%

5Y Dividends CAGR

ISTR

1.49%

USCB

N/A

5Y EPS CAGR

ISTR

7.89%

USCB

N/A

Debt to Equity

ISTR

0.00%

USCB

0.00%

Free Cash Flow Yield

ISTR

5.83%

Winner

USCB

10.58%

P/S Ratio

Winner

ISTR

3.39

USCB

4.04

P/B Ratio

Winner

ISTR

1.05

USCB

1.67

ISTR vs USCB - Historical Returns

Returns include dividend reinvestment.

Period	ISTR	USCB
1 month	+0.03%	+8.46%
3 months	+8.19%	+14.13%
6 months	+7.69%	+12.61%
1 year	+39.01%	+29.30%
5 years(CAGR)	+8.87%	+16.06%
10 years(CAGR)	+8.51%	N/A
Max(CAGR)	+7.85%	+16.06%

ISTR

+0.03%

Winner

USCB

+8.46%

ISTR

+8.19%

Winner

USCB

+14.13%

ISTR

+7.69%

Winner

USCB

+12.61%

Winner

ISTR

+39.01%

USCB

+29.30%

5Y(CAGR)

ISTR

+8.87%

Winner

USCB

+16.06%

10Y(CAGR)

ISTR

+8.51%

USCB

N/A

Max(CAGR)

ISTR

+7.85%

Winner

USCB

+16.06%

ISTR vs USCB - Annual Returns (2014 - 2026)

Returns include dividend reinvestment.

Year	ISTR	USCB
2026	+14.84%	+20.62%
2025	+28.40%	+7.67%
2024	+50.78%	+47.39%
2023	-28.77%	+0.00%
2022	+20.41%	-15.22%
2021	+14.24%	+29.44%
2020	-30.20%	N/A
2019	-0.31%	N/A
2018	+5.99%	N/A
2017	+27.57%	N/A
2016	+7.22%	N/A
2015	+25.96%	N/A
2014	-2.37%	N/A

ISTR vs USCB Drawdown Comparison

The maximum drawdown for ISTR was -68.22%, occurring on Mar 23, 2020. Recovery took 1864 trading sessions.

The maximum drawdown for USCB was -44.24%, occurring on May 2, 2023. Recovery took 660 trading sessions.

The current ISTR drawdown is -1.16%.

Rank	ISTR	USCB
#1	-68.22% Jul 6, 2018 - Dec 4, 2025	-44.24% Dec 7, 2021 - Jul 25, 2024
#2	-22.12% Dec 14, 2015 - Nov 18, 2016	-23.21% Nov 25, 2024 - Jan 21, 2026
#3	-13.33% Mar 30, 2015 - Nov 25, 2015	-17.25% Aug 26, 2021 - Nov 10, 2021
#4	-11.92% Feb 6, 2026 - Jun 12, 2026	-16.34% Jul 31, 2024 - Nov 6, 2024
#5	-10.31% Feb 17, 2015 - Mar 9, 2015	-13.61% Jan 22, 2026 - Jun 26, 2026
#6	-9.92% Jul 16, 2014 - Dec 16, 2014	-6.93% Nov 11, 2021 - Nov 18, 2021
#7	-9.22% Dec 18, 2014 - Feb 17, 2015	-5.84% Nov 13, 2024 - Nov 22, 2024
#8	-8.56% Feb 1, 2018 - Mar 16, 2018	-4.95% Jul 1, 2026 - Jul 16, 2026
#9	-7.91% Jul 5, 2017 - Sep 26, 2017	-4.21% Nov 18, 2021 - Dec 6, 2021
#10	-6.45% Apr 24, 2018 - May 21, 2018	-3.63% Jul 16, 2026 - Jul 24, 2026
#11	-6.35% Oct 20, 2017 - Dec 18, 2017	-3.62% Aug 12, 2021 - Aug 18, 2021
#12	-6.15% Dec 16, 2016 - Dec 29, 2016	-3.23% Aug 18, 2021 - Aug 23, 2021
#13	-5.54% Jan 26, 2017 - Feb 9, 2017	-2.38% Nov 6, 2024 - Nov 8, 2024
#14	-5.29% Jan 17, 2018 - Feb 1, 2018	-2.31% Jul 23, 2021 - Aug 2, 2021
#15	-4.97% Jul 1, 2026 - Jul 8, 2026	-2.28% Jul 25, 2024 - Jul 29, 2024

Correlation

Correlation between ISTR and USCB is 0.80 which considered as a strong positive correlation - the stocks tend to move together.

0.80

-101

Dividend Comparison (2014 - 2026)

ISTR vs USCB dividend yield comparison.

Year	ISTR	USCB
2026	0.77%	1.15%
2025	1.63%	2.17%
2024	1.87%	1.13%
2023	2.65%	0.00%
2022	1.70%	0.00%
2021	2.66%	0.00%
2020	1.51%	0.00%
2019	0.95%	0.00%
2018	0.81%	0.00%
2017	0.30%	0.00%
2016	0.23%	0.00%
2015	0.18%	0.00%
2014	0.10%	0.00%