USCB vs ISTR

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

Both USCB and ISTR are from the Financial Services sector.

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

USCB vs ISTR - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	USCB(COMPANY)	ISTR(COMPANY)
Market Cap	$405M	$406M
Max Drawdown	44.24%	68.64%
Sharpe Ratio	0.72	1.23
5Y Beta	0.83	0.79
Industry	Banks - Regional	Banks - Regional
P/E Ratio	13.92	11.51
Forward P/E	11.45	9.84
PEG Ratio	N/A	0.74
Dividend Yield	2.08%	1.53%
5Y Dividends CAGR	N/A	1.49%
5Y EPS CAGR	N/A	7.89%
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	10.58%	5.83%
P/S Ratio	4.04	3.39
P/B Ratio	1.67	1.05

Market Cap

USCB

$405M

Winner

ISTR

$406M

Max Drawdown

Winner

USCB

44.24%

ISTR

68.64%

Sharpe Ratio

USCB

0.72

Winner

ISTR

1.23

5Y Beta

USCB

0.83

Winner

ISTR

0.79

Industry

USCB

Banks - Regional

ISTR

Banks - Regional

P/E Ratio

USCB

13.92

Winner

ISTR

11.51

Forward P/E

USCB

11.45

Winner

ISTR

9.84

PEG Ratio

USCB

N/A

ISTR

0.74

Dividend Yield

Winner

USCB

2.08%

ISTR

1.53%

5Y Dividends CAGR

USCB

N/A

ISTR

1.49%

5Y EPS CAGR

USCB

N/A

ISTR

7.89%

Debt to Equity

USCB

0.00%

ISTR

0.00%

Free Cash Flow Yield

Winner

USCB

10.58%

ISTR

5.83%

P/S Ratio

USCB

4.04

Winner

ISTR

3.39

P/B Ratio

USCB

1.67

Winner

ISTR

1.05

USCB vs ISTR - Historical Returns

Returns include dividend reinvestment.

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

Winner

USCB

+8.46%

ISTR

+0.03%

Winner

USCB

+14.13%

ISTR

+8.19%

Winner

USCB

+12.61%

ISTR

+7.69%

USCB

+29.30%

Winner

ISTR

+39.01%

5Y(CAGR)

Winner

USCB

+16.06%

ISTR

+8.87%

10Y(CAGR)

USCB

N/A

ISTR

+8.51%

Max(CAGR)

Winner

USCB

+16.06%

ISTR

+7.85%

USCB vs ISTR - Annual Returns (2014 - 2026)

Returns include dividend reinvestment.

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

USCB vs ISTR Drawdown Comparison

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

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

The current ISTR drawdown is -1.16%.

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

Correlation

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

0.80

-101

Dividend Comparison (2014 - 2026)

USCB vs ISTR dividend yield comparison.

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