USCB vs SAT

Comparison between USCB Financial Holdings Inc - Class A (USCB, Company) and Saratoga Investment Corp (SAT, Company).

USCB vs SAT - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	USCB(COMPANY)	SAT(COMPANY)
Market Cap	$405M	$407M
Max Drawdown	44.24%	9.08%
Sharpe Ratio	0.72	0.85
5Y Beta	0.83	0.01
Industry	Banks - Regional	N/A
P/E Ratio	13.92	10.86
Forward P/E	11.45	N/A
PEG Ratio	N/A	0.36
Dividend Yield	2.08%	N/A
Debt to Equity	0.00%	186.64%
Free Cash Flow Yield	10.58%	-21.65%
P/S Ratio	4.04	N/A
P/B Ratio	1.67	N/A

Market Cap

USCB

$405M

Winner

SAT

$407M

Max Drawdown

USCB

44.24%

Winner

SAT

9.08%

Sharpe Ratio

USCB

0.72

Winner

SAT

0.85

5Y Beta

USCB

0.83

Winner

SAT

0.01

Industry

USCB

Banks - Regional

SAT

N/A

P/E Ratio

USCB

13.92

Winner

SAT

10.86

Forward P/E

USCB

11.45

SAT

N/A

PEG Ratio

USCB

N/A

SAT

0.36

Dividend Yield

USCB

2.08%

SAT

N/A

Debt to Equity

Winner

USCB

0.00%

SAT

186.64%

Free Cash Flow Yield

Winner

USCB

10.58%

SAT

-21.65%

P/S Ratio

USCB

4.04

SAT

N/A

P/B Ratio

USCB

1.67

SAT

N/A

USCB vs SAT - Historical Returns

Returns include dividend reinvestment.

Period	USCB	SAT
1 month	+8.46%	+0.12%
3 months	+14.13%	+1.83%
6 months	+12.61%	+3.59%
1 year	+29.30%	+7.17%
5 years(CAGR)	+16.06%	+5.68%
Max(CAGR)	+16.06%	+5.68%

Winner

USCB

+8.46%

SAT

+0.12%

Winner

USCB

+14.13%

SAT

+1.83%

Winner

USCB

+12.61%

SAT

+3.59%

Winner

USCB

+29.30%

SAT

+7.17%

5Y(CAGR)

Winner

USCB

+16.06%

SAT

+5.68%

Max(CAGR)

Winner

USCB

+16.06%

SAT

+5.68%

USCB vs SAT - Annual Returns (2021 - 2026)

Returns include dividend reinvestment.

Year	USCB	SAT
2026	+20.62%	+4.00%
2025	+7.67%	+6.14%
2024	+47.39%	+10.47%
2023	+0.00%	+10.76%
2022	-15.22%	-6.86%
2021	+29.44%	N/A

USCB vs SAT Drawdown Comparison

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

The maximum drawdown for SAT was -8.80%, occurring on Nov 3, 2022. Recovery took 323 trading sessions.

The current SAT drawdown is -0.08%.

Rank	USCB	SAT
#1	-44.24% Dec 7, 2021 - Jul 25, 2024	-8.80% Aug 4, 2022 - Nov 15, 2023
#2	-23.21% Nov 25, 2024 - Jan 21, 2026	-3.37% May 6, 2022 - Aug 4, 2022
#3	-17.25% Aug 26, 2021 - Nov 10, 2021	-3.02% Dec 31, 2024 - May 15, 2025
#4	-16.34% Jul 31, 2024 - Nov 6, 2024	-2.74% Jun 4, 2024 - Aug 2, 2024
#5	-13.61% Jan 22, 2026 - Jun 26, 2026	-1.74% Sep 27, 2024 - Nov 14, 2024
#6	-6.93% Nov 11, 2021 - Nov 18, 2021	-1.61% Dec 28, 2023 - Jan 25, 2024
#7	-5.84% Nov 13, 2024 - Nov 22, 2024	-1.54% Jun 13, 2025 - Jul 1, 2025
#8	-4.95% Jul 1, 2026 - Jul 16, 2026	-1.52% Jan 29, 2024 - Feb 6, 2024
#9	-4.21% Nov 18, 2021 - Dec 6, 2021	-1.40% Apr 4, 2024 - May 14, 2024
#10	-3.63% Jul 16, 2026 - Jul 24, 2026	-1.32% Feb 16, 2024 - Mar 20, 2024
#11	-3.62% Aug 12, 2021 - Aug 18, 2021	-1.22% Nov 15, 2024 - Dec 31, 2024
#12	-3.23% Aug 18, 2021 - Aug 23, 2021	-1.18% Aug 2, 2024 - Aug 15, 2024
#13	-2.38% Nov 6, 2024 - Nov 8, 2024	-1.16% Sep 9, 2025 - Oct 27, 2025
#14	-2.31% Jul 23, 2021 - Aug 2, 2021	-0.92% May 27, 2026 - Jun 26, 2026
#15	-2.28% Jul 25, 2024 - Jul 29, 2024	-0.72% Jun 26, 2026 - Jun 30, 2026