USCB vs PLBC

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

Both USCB and PLBC are from the Financial Services sector.

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

USCB vs PLBC - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

USCB

$389M

Winner

PLBC

$389M

Max Drawdown

Winner

USCB

44.24%

PLBC

93.48%

Sharpe Ratio

USCB

0.59

Winner

PLBC

1.09

5Y Beta

USCB

0.83

Winner

PLBC

0.60

Industry

USCB

Banks - Regional

PLBC

Banks - Regional

P/E Ratio

USCB

13.34

Winner

PLBC

11.65

Forward P/E

Winner

USCB

11.45

PLBC

16.81

PEG Ratio

USCB

N/A

PLBC

1.49

Dividend Yield

USCB

2.20%

Winner

PLBC

2.21%

5Y Dividends CAGR

USCB

N/A

PLBC

24.57%

5Y EPS CAGR

USCB

N/A

PLBC

9.71%

Debt to Equity

USCB

0.00%

PLBC

0.00%

Free Cash Flow Yield

Winner

USCB

11.04%

PLBC

5.72%

P/S Ratio

Winner

USCB

3.86

PLBC

3.94

P/B Ratio

USCB

1.58

Winner

PLBC

1.46

USCB vs PLBC - Historical Returns

Returns include dividend reinvestment.

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

USCB

+7.40%

Winner

PLBC

+9.90%

USCB

+8.64%

Winner

PLBC

+17.62%

USCB

+2.38%

Winner

PLBC

+25.95%

USCB

+20.80%

Winner

PLBC

+31.80%

5Y(CAGR)

USCB

+14.04%

Winner

PLBC

+15.61%

10Y(CAGR)

USCB

N/A

PLBC

+22.21%

Max(CAGR)

Winner

USCB

+14.04%

PLBC

+7.05%

USCB vs PLBC - Annual Returns (2002 - 2026)

Returns include dividend reinvestment.

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

USCB vs PLBC Drawdown Comparison

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

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

The current USCB drawdown is -4.30%.

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

Correlation

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

0.85

-101

Dividend Comparison (2002 - 2026)

USCB vs PLBC dividend yield comparison.

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