CIHKY vs. USCB

Last updated Jun 4, 2026

CIHKY (China Merchants Bank Co Ltd) and USCB (USCB Financial Holdings, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 3 years, CIHKY returned 15.14%/yr vs 22.83%/yr for USCB. At a 0.12 correlation, their price movements are largely independent.

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.

Returns By Period

In the year-to-date period, CIHKY achieves a -8.24% return, which is significantly lower than USCB's -0.82% return.

CIHKY

• 1D: -1.62%
• 1M: 1.39%
• YTD: -8.24%
• 6M: -6.67%
• 1Y: 2.41%
• 3Y*: 15.14%
• 5Y*: -3.32%
• 10Y*: 16.95%

USCB

• 1D: -2.86%
• 1M: -0.14%
• YTD: -0.82%
• 6M: 0.11%
• 1Y: 12.60%
• 3Y*: 22.83%
• 5Y*: —
• 10Y*: —

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

CIHKY vs. USCB - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021
CIHKY China Merchants Bank Co Ltd	-8.24%	39.35%	54.40%	-33.54%	-26.03%	-3.64%
USCB USCB Financial Holdings, Inc.	-0.82%	6.13%	47.03%	0.41%	-12.89%	29.44%

Correlation

The correlation between CIHKY and USCB is 0.13, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.13
Correlation (3Y) Calculated over the trailing 3-year period	0.14
Correlation (All Time) Calculated using the full available price history since Jul 26, 2021	0.12

Fundamentals

Market Cap CIHKY : $154.05B USCB : $332.73M
EPS CIHKY : $29.47 USCB : $1.45
PE Ratio CIHKY : 1.03 USCB : 12.46
PEG Ratio CIHKY : 0.18 USCB : 0.27
PS Ratio CIHKY : 0.33 USCB : 2.46
PB Ratio CIHKY : 0.12 USCB : 1.49
Total Revenue (TTM) CIHKY : $462.43B USCB : $140.58M
Gross Profit (TTM) CIHKY : $323.77B USCB : $91.65M
EBITDA (TTM) CIHKY : $176.26B USCB : $37.81M

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: 42
CIHKY Sharpe Ratio Rank: 45
CIHKY Sortino Ratio Rank: 38
CIHKY Omega Ratio Rank: 37
CIHKY Calmar Ratio Rank: 44
CIHKY Martin Ratio Rank: 45

USCB

USCB Risk / Return Rank: 55
USCB Sharpe Ratio Rank: 57
USCB Sortino Ratio Rank: 50
USCB Omega Ratio Rank: 49
USCB Calmar Ratio Rank: 60
USCB Martin Ratio Rank: 59

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	0.11	0.43	-0.32
Sortino ratio: Return per unit of downside risk	0.32	0.83	-0.52
Omega ratio: Gain probability vs. loss probability	1.04	1.10	-0.06
Calmar ratio: Return relative to maximum drawdown	0.15	0.93	-0.78
Martin ratio: Return relative to average drawdown	0.31	1.87	-1.57
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 0.11, which is lower than the USCB Sharpe Ratio of 0.43. The chart below compares the historical Sharpe Ratios of CIHKY and USCB, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Sharpe Ratios by Period

	CIHKY	USCB	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.11	0.43	-0.32
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.09	—	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.48	—	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.28	0.33	-0.05

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%	-13.61%	-2.72%
Max Drawdown (3Y) Largest decline over 3 years	-35.96%	-23.22%	-12.74%
Max Drawdown (5Y) Largest decline over 5 years	-61.91%	—	—
Max Drawdown (10Y) Largest decline over 10 years	-62.69%	—	—
Current Drawdown Current decline from peak	-17.25%	-11.74%	-5.51%
Average Drawdown Average peak-to-trough decline	-21.82%	-17.39%	-4.43%
Ulcer Index Depth and duration of drawdowns from previous peaks	7.80%	6.74%	+1.06%

Volatility

CIHKY vs. USCB - Volatility Comparison

The current volatility for China Merchants Bank Co Ltd (CIHKY) is 4.48%, while USCB Financial Holdings, Inc. (USCB) has a volatility of 6.52%. This indicates that CIHKY experiences smaller price fluctuations and is considered to be less risky 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	4.48%	6.52%	-2.04%
Volatility (6M) Calculated over the trailing 6-month period	14.68%	20.16%	-5.48%
Volatility (1Y) Calculated over the trailing 1-year period	21.76%	29.14%	-7.38%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	37.32%	36.98%	+0.34%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	35.79%	36.98%	-1.19%

Dividends

CIHKY vs. USCB - Dividend Comparison

CIHKY's dividend yield for the trailing twelve months is around 6.97%, more than USCB's 2.50% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
CIHKY China Merchants Bank Co Ltd	6.97%	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.	2.50%	2.17%	1.13%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

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 Jun 2026, China Merchants Bank Co Ltd reported a gross profit of 86.94B and revenue of 117.41B. Therefore, the gross margin over that period was 74.1%.

USCB - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, USCB Financial Holdings, Inc. reported a gross profit of 25.40M and revenue of 26.20M. Therefore, the gross margin over that period was 96.9%.

CIHKY - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, China Merchants Bank Co Ltd reported an operating income of 44.68B and revenue of 117.41B, resulting in an operating margin of 38.1%.

USCB - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, USCB Financial Holdings, Inc. reported an operating income of 11.69M and revenue of 26.20M, resulting in an operating margin of 44.6%.

CIHKY - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, China Merchants Bank Co Ltd reported a net income of 37.85B and revenue of 117.41B, resulting in a net margin of 32.2%.

USCB - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, USCB Financial Holdings, Inc. reported a net income of 9.35M and revenue of 26.20M, resulting in a net margin of 35.7%.

Frequently Asked Questions

Can I hold both CIHKY and USCB in my portfolio?

CIHKY and USCB have a correlation of 0.13, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, CIHKY or USCB?

USCB has higher volatility (6.52%) compared to CIHKY (4.48%). In terms of maximum drawdown, CIHKY dropped -62.69% vs USCB's -44.24%.

Which has better risk-adjusted returns?

USCB currently has the higher Sharpe Ratio (0.43 vs 0.11), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.