CIHKY vs. USCB

Last updated Apr 1, 2026

Compare and contrast key facts about China Merchants Bank Co Ltd (CIHKY) and USCB Financial Holdings, Inc. (USCB).

Performance

CIHKY vs. USCB - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in China Merchants Bank Co Ltd (CIHKY) and USCB Financial Holdings, Inc. (USCB). The values are adjusted to include any dividend payments, if applicable.

CIHKY vs. USCB - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021
CIHKY China Merchants Bank Co Ltd	-3.37%	39.35%	54.40%	-33.54%	-26.03%	-3.64%
USCB USCB Financial Holdings, Inc.	1.29%	6.13%	47.03%	0.41%	-12.89%	29.44%

Fundamentals

Market Cap CIHKY : $161.05B USCB : $340.19M
EPS CIHKY : $22.92 USCB : $1.34
PE Ratio CIHKY : 1.39 USCB : 13.83
PEG Ratio CIHKY : 0.13 USCB : 0.30
PS Ratio CIHKY : 0.43 USCB : 2.37
PB Ratio CIHKY : 1.05 USCB : 1.60
Total Revenue (TTM) CIHKY : $376.05B USCB : $152.08M
Gross Profit (TTM) CIHKY : $250.44B USCB : $88.41M
EBITDA (TTM) CIHKY : $139.53B USCB : $36.37M

Returns By Period

In the year-to-date period, CIHKY achieves a -3.37% return, which is significantly lower than USCB's 1.29% return.

CIHKY

• 1D: 1.53%
• 1M: 2.47%
• YTD: -3.37%
• 6M: 8.34%
• 1Y: 14.66%
• 3Y*: 14.61%
• 5Y*: 0.95%
• 10Y*: 17.25%

USCB

• 1D: 0.27%
• 1M: -2.06%
• YTD: 1.29%
• 6M: 7.52%
• 1Y: 2.27%
• 3Y*: 25.10%
• 5Y*: —
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

CIHKY vs. USCB — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

CIHKY

CIHKY Risk / Return Rank: 59
CIHKY Sharpe Ratio Rank: 61
CIHKY Sortino Ratio Rank: 55
CIHKY Omega Ratio Rank: 53
CIHKY Calmar Ratio Rank: 63
CIHKY Martin Ratio Rank: 62

USCB

USCB Risk / Return Rank: 41
USCB Sharpe Ratio Rank: 43
USCB Sortino Ratio Rank: 38
USCB Omega Ratio Rank: 38
USCB Calmar Ratio Rank: 44
USCB Martin Ratio Rank: 44

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

CIHKY vs. USCB - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for China Merchants Bank Co Ltd (CIHKY) and USCB Financial Holdings, Inc. (USCB). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	CIHKY	USCB	Difference
Sharpe ratio Return per unit of total volatility	0.57	0.07	+0.50
Sortino ratio Return per unit of downside risk	1.00	0.33	+0.67
Omega ratio Gain probability vs. loss probability	1.13	1.04	+0.08
Calmar ratio Return relative to maximum drawdown	1.01	0.12	+0.90
Martin ratio Return relative to average drawdown	2.31	0.22	+2.08
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

CIHKY vs. USCB - Sharpe Ratio Comparison

The current CIHKY Sharpe Ratio is 0.57, which is higher than the USCB Sharpe Ratio of 0.07. The chart below compares the historical Sharpe Ratios of CIHKY and USCB, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	CIHKY	USCB	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.57	0.07	+0.50
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.03	—	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.48	—	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.29	0.36	-0.07

Correlation

The correlation between CIHKY and USCB is 0.11, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

CIHKY vs. USCB - Dividend Comparison

CIHKY's dividend yield for the trailing twelve months is around 6.62%, more than USCB's 2.29% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
CIHKY China Merchants Bank Co Ltd	6.62%	4.11%	5.38%	7.03%	4.13%	2.53%	2.26%	2.19%	3.03%	5.12%	8.93%	3.76%
USCB USCB Financial Holdings, Inc.	2.29%	2.17%	1.13%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Drawdowns

CIHKY vs. USCB - Drawdown Comparison

The maximum CIHKY drawdown since its inception was -62.69%, which is greater than USCB's maximum drawdown of -44.24%. Use the drawdown chart below to compare losses from any high point for CIHKY and USCB.

Drawdown Indicators

	CIHKY	USCB	Difference
Max Drawdown Largest peak-to-trough decline	-62.69%	-44.24%	-18.45%
Max Drawdown (1Y) Largest decline over 1 year	-16.33%	-14.80%	-1.53%
Max Drawdown (5Y) Largest decline over 5 years	-62.69%	—	—
Max Drawdown (10Y) Largest decline over 10 years	-62.69%	—	—
Current Drawdown Current decline from peak	-12.85%	-9.86%	-2.99%
Average Drawdown Average peak-to-trough decline	-21.89%	-17.73%	-4.16%
Ulcer Index Depth and duration of drawdowns from previous peaks	7.18%	7.70%	-0.52%

Volatility

CIHKY vs. USCB - Volatility Comparison

China Merchants Bank Co Ltd (CIHKY) has a higher volatility of 7.51% compared to USCB Financial Holdings, Inc. (USCB) at 6.89%. This indicates that CIHKY's price experiences larger fluctuations and is considered to be riskier than USCB based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	CIHKY	USCB	Difference
Volatility (1M) Calculated over the trailing 1-month period	7.51%	6.89%	+0.62%
Volatility (6M) Calculated over the trailing 6-month period	16.13%	20.41%	-4.28%
Volatility (1Y) Calculated over the trailing 1-year period	25.96%	33.00%	-7.04%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	37.62%	37.42%	+0.20%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	35.94%	37.42%	-1.48%

Financials

CIHKY vs. USCB - Profitability Comparison

The chart below illustrates the profitability comparison between China Merchants Bank Co Ltd and USCB Financial Holdings, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

CIHKY - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, China Merchants Bank Co Ltd reported a gross profit of 0.00 and revenue of 15.94B. Therefore, the gross margin over that period was 0.0%.

USCB - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, USCB Financial Holdings, Inc. reported a gross profit of 18.03M and revenue of 33.46M. Therefore, the gross margin over that period was 53.9%.

CIHKY - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, China Merchants Bank Co Ltd reported an operating income of 6.04B and revenue of 15.94B, resulting in an operating margin of 37.9%.

USCB - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, USCB Financial Holdings, Inc. reported an operating income of 3.27M and revenue of 33.46M, resulting in an operating margin of 9.8%.

CIHKY - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, China Merchants Bank Co Ltd reported a net income of 5.43B and revenue of 15.94B, resulting in a net margin of 34.1%.

USCB - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, USCB Financial Holdings, Inc. reported a net income of 1.36M and revenue of 33.46M, resulting in a net margin of 4.1%.