PLBC vs USCB

Comparison between Plumas Bancorp. (PLBC, Company) and USCB Financial Holdings Inc - Class A (USCB, Company).

Both PLBC and USCB are from the Financial Services sector.

5-Year PerformancePLBC has outperformed USCB, delivering a return of +15.6% compared to +14.0%

PLBC vs USCB - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PLBC(COMPANY)	USCB(COMPANY)
Market Cap	$389M	$389M
Max Drawdown	93.48%	44.24%
Sharpe Ratio	1.09	0.59
5Y Beta	0.60	0.83
Industry	Banks - Regional	Banks - Regional
P/E Ratio	11.65	13.34
Forward P/E	16.81	11.45
PEG Ratio	1.49	N/A
Dividend Yield	2.21%	2.20%
5Y Dividends CAGR	24.57%	N/A
5Y EPS CAGR	9.71%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	5.72%	11.04%
P/S Ratio	3.94	3.86
P/B Ratio	1.46	1.58

Market Cap

Winner

PLBC

$389M

USCB

$389M

Max Drawdown

PLBC

93.48%

Winner

USCB

44.24%

Sharpe Ratio

Winner

PLBC

1.09

USCB

0.59

5Y Beta

Winner

PLBC

0.60

USCB

0.83

Industry

PLBC

Banks - Regional

USCB

Banks - Regional

P/E Ratio

Winner

PLBC

11.65

USCB

13.34

Forward P/E

PLBC

16.81

Winner

USCB

11.45

PEG Ratio

PLBC

1.49

USCB

N/A

Dividend Yield

Winner

PLBC

2.21%

USCB

2.20%

5Y Dividends CAGR

PLBC

24.57%

USCB

N/A

5Y EPS CAGR

PLBC

9.71%

USCB

N/A

Debt to Equity

PLBC

0.00%

USCB

0.00%

Free Cash Flow Yield

PLBC

5.72%

Winner

USCB

11.04%

P/S Ratio

PLBC

3.94

Winner

USCB

3.86

P/B Ratio

Winner

PLBC

1.46

USCB

1.58

PLBC vs USCB - Historical Returns

Returns include dividend reinvestment.

Period	PLBC	USCB
1 month	+9.90%	+7.40%
3 months	+17.62%	+8.64%
6 months	+25.95%	+2.38%
1 year	+31.80%	+20.80%
5 years(CAGR)	+15.61%	+14.04%
10 years(CAGR)	+22.21%	N/A
Max(CAGR)	+7.05%	+14.04%

Winner

PLBC

+9.90%

USCB

+7.40%

Winner

PLBC

+17.62%

USCB

+8.64%

Winner

PLBC

+25.95%

USCB

+2.38%

Winner

PLBC

+31.80%

USCB

+20.80%

5Y(CAGR)

Winner

PLBC

+15.61%

USCB

+14.04%

10Y(CAGR)

PLBC

+22.21%

USCB

N/A

Max(CAGR)

PLBC

+7.05%

Winner

USCB

+14.04%

PLBC vs USCB - Annual Returns (2002 - 2026)

Returns include dividend reinvestment.

Year	PLBC	USCB
2026	+30.45%	+8.82%
2025	-0.12%	+7.67%
2024	+17.71%	+47.39%
2023	+16.68%	+0.00%
2022	+9.44%	-15.22%
2021	+48.84%	+29.44%
2020	-8.19%	N/A
2019	+18.41%	N/A
2018	-0.57%	N/A
2017	+39.19%	N/A
2016	+121.37%	N/A
2015	+6.11%	N/A
2014	+28.79%	N/A
2013	+85.67%	N/A
2012	+63.82%	N/A
2011	+1.71%	N/A
2010	-19.31%	N/A
2009	-58.96%	N/A
2008	-44.30%	N/A
2007	-5.56%	N/A
2006	-29.51%	N/A
2005	+48.19%	N/A
2004	+9.08%	N/A
2003	+29.03%	N/A
2002	-31.63%	N/A

PLBC vs USCB Drawdown Comparison

The maximum drawdown for PLBC was -93.07%, occurring on Aug 5, 2011. Recovery took 3100 trading sessions.

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

The current USCB drawdown is -4.30%.

Rank	PLBC	USCB
#1	-93.07% Oct 3, 2005 - Jan 26, 2018	-44.24% Dec 7, 2021 - Jul 25, 2024
#2	-47.45% May 4, 2018 - Mar 4, 2021	-23.21% Nov 25, 2024 - Jan 21, 2026
#3	-39.87% Jul 1, 2002 - May 2, 2005	-17.25% Aug 26, 2021 - Nov 10, 2021
#4	-33.41% Feb 16, 2022 - Jan 27, 2023	-16.34% Jul 31, 2024 - Nov 6, 2024
#5	-27.12% Feb 10, 2023 - Dec 22, 2023	-13.61% Jan 22, 2026 - Mar 18, 2026
#6	-26.64% Dec 22, 2023 - Nov 6, 2024	-6.93% Nov 11, 2021 - Nov 18, 2021
#7	-20.94% May 5, 2005 - Aug 29, 2005	-5.84% Nov 13, 2024 - Nov 22, 2024
#8	-19.85% Nov 29, 2024 - Jan 21, 2026	-4.21% Nov 18, 2021 - Dec 6, 2021
#9	-15.07% Oct 20, 2021 - Feb 1, 2022	-3.62% Aug 12, 2021 - Aug 18, 2021
#10	-13.96% Mar 19, 2021 - Jun 2, 2021	-3.23% Aug 18, 2021 - Aug 23, 2021
#11	-11.07% Feb 6, 2026 - May 21, 2026	-2.38% Nov 6, 2024 - Nov 8, 2024
#12	-10.33% Sep 20, 2005 - Sep 30, 2005	-2.31% Jul 23, 2021 - Aug 2, 2021
#13	-9.23% Jan 29, 2018 - Apr 19, 2018	-2.28% Jul 25, 2024 - Jul 29, 2024
#14	-8.90% Jun 10, 2021 - Jun 25, 2021	-0.86% Aug 4, 2021 - Aug 12, 2021
#15	-6.31% Jul 23, 2021 - Oct 7, 2021	-0.46% Aug 2, 2021 - Aug 4, 2021

Correlation

Correlation between PLBC and USCB is 0.85 which considered as a strong positive correlation - the stocks tend to move together.

0.85

-101

Dividend Comparison (2002 - 2026)

PLBC vs USCB dividend yield comparison.

Year	PLBC	USCB
2026	1.17%	1.28%
2025	2.69%	2.17%
2024	2.29%	1.13%
2023	2.42%	0.00%
2022	1.73%	0.00%
2021	1.66%	0.00%
2020	1.53%	0.00%
2019	1.74%	0.00%
2018	1.59%	0.00%
2017	1.21%	0.00%
2016	0.53%	0.00%
2008	3.20%	0.00%
2007	2.15%	0.00%
2006	1.74%	0.00%
2005	1.03%	0.00%
2004	1.30%	0.00%
2003	1.20%	0.00%
2002	0.33%	0.00%