National Bank and USCB Financial Compared in Head-to-Head Survey

Analysts see more upside potential in USCB Financial stock despite National Bank's higher revenue and earnings

Published on Feb. 13, 2026

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National Bank (NYSE:NBHC) and USCB Financial (NASDAQ:USCB) are both small-cap finance companies, but analysts believe USCB Financial has stronger growth prospects based on its higher consensus price target and more favorable analyst ratings. While National Bank has higher revenue and earnings, USCB Financial is trading at a lower price-to-earnings ratio, indicating it may be more affordable. The two companies also differ in terms of volatility, institutional ownership, and dividend payouts.

Why it matters

This head-to-head analysis provides investors with a comprehensive comparison of two small-cap finance firms, highlighting their relative strengths and weaknesses across key financial metrics. Understanding these differences can help investors make more informed decisions about which stock may be the better investment opportunity.

The details

National Bank has higher revenue and earnings than USCB Financial, but USCB Financial has a stronger consensus rating from analysts and a higher potential upside based on its current target price. National Bank is also trading at a lower price-to-earnings ratio, suggesting it may be more affordable. In terms of volatility, National Bank has a beta of 0.81, indicating its share price is 19% less volatile than the S&P 500, while USCB Financial has a beta of 0.6, making it 40% less volatile. National Bank also has stronger institutional ownership at 92.7% compared to 61.3% for USCB Financial. However, USCB Financial has a higher percentage of insider ownership at 49.5% versus 2.9% for National Bank.

  • The analysis was published on February 13, 2026.

The players

National Bank Holdings Corporation

A bank holding company that operates NBH Bank, providing various banking products and financial services to commercial, business, and consumer clients in the United States.

USCB Financial Holdings, Inc.

A bank holding company that operates U.S. Century Bank, engaging in the provision of personal and business banking products and services in the United States.

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The takeaway

This analysis highlights the nuanced differences between two small-cap finance companies, National Bank and USCB Financial, providing investors with a more holistic view of their relative strengths and weaknesses. While National Bank has higher revenue and earnings, USCB Financial may offer more upside potential based on analyst sentiment and valuation metrics.