USCB vs. C
USCB (USCB Financial Holdings, Inc.) and C (Citigroup Inc.) are both stocks. Both are in the Financial Services sector — USCB in Banks - Regional, C in Banks - Diversified. Over the past 5 years, USCB returned 16.75%/yr vs 18.24%/yr for C. Their 0.29 correlation means their historical movements had little consistent relationship.
Performance
USCB vs. C - Performance Comparison
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Returns By Period
In the year-to-date period, USCB achieves a 20.86% return, which is significantly higher than C's 14.64% return.
USCB
- 1D
- 0.60%
- 1M
- 7.43%
- 6M
- 18.10%
- YTD
- 20.86%
- 1Y
- 39.25%
- 3Y*
- 27.11%
- 5Y*
- 16.75%
- 10Y*
- —
- ALL TIME*
- 16.57%
C
- 1D
- 0.10%
- 1M
- -5.37%
- 6M
- 15.61%
- YTD
- 14.64%
- 1Y
- 47.50%
- 3Y*
- 45.88%
- 5Y*
- 18.24%
- 10Y*
- 15.27%
- ALL TIME*
- 6.08%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $1.44B | $1.70B | $1.69B | |
| $1.58M | $1.12M | $1.27M |
USCB vs. C - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
USCB USCB Financial Holdings, Inc. | 20.86% | 6.13% | 47.03% | 0.41% | -12.89% | 30.89% |
C Citigroup Inc. | 14.64% | 70.38% | 41.93% | 18.98% | -22.09% | -8.44% |
Correlation
The correlation between USCB and C is 0.38, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.38 |
Correlation (3Y) Balances recent behavior with more history. | 0.37 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.29 |
Correlation (All Time) Calculated using the full available price history since Jul 23, 2021 | 0.29 |
Fundamentals
USCB:
$401.26M
C:
$227.12B
USCB:
$1.47
C:
$9.84
USCB:
14.90
C:
13.46
USCB:
2.95
C:
1.56
USCB:
1.82
C:
1.19
USCB:
$140.58M
C:
$153.60B
USCB:
$91.65M
C:
$83.82B
USCB:
$37.81M
C:
$28.05B
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Return for Risk
USCB vs. C — Risk / Return Rank
USCB
C
USCB vs. C - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for USCB Financial Holdings, Inc. (USCB) and Citigroup Inc. (C). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| USCB | C | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.29 | ||
| Sortino ratioReturn per unit of downside risk | -0.18 | ||
| Omega ratioGain probability vs. loss probability | 1.23 | 1.27 | -0.04 |
| Calmar ratioReturn relative to maximum drawdown | 2.61 | 3.03 | -0.43 |
| Martin ratioReturn relative to average drawdown | 6.02 | 7.98 | -1.97 |
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Drawdowns
USCB vs. C - Drawdown Comparison
The maximum USCB drawdown since its inception was -44.24%, smaller than the maximum C drawdown of -98.00%. Use the drawdown chart below to compare losses from any high point for USCB and C.
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Drawdown Indicators
| USCB | C | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -44.24% | -98.00% | +53.76% |
Max Drawdown (1Y)Largest decline over 1 year | -13.61% | -14.76% | +1.15% |
Max Drawdown (3Y)Largest decline over 3 years | -23.22% | -31.31% | +8.09% |
Max Drawdown (5Y)Largest decline over 5 years | -44.24% | -44.31% | +0.07% |
Max Drawdown (10Y)Largest decline over 10 years | — | -56.51% | — |
Current DrawdownCurrent decline from peak | -3.07% | -64.65% | +61.58% |
Average DrawdownAverage peak-to-trough decline | -16.93% | -43.56% | +26.63% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.89% | 5.60% | +0.29% |
Volatility
USCB vs. C - Volatility Comparison
USCB Financial Holdings, Inc. (USCB) and Citigroup Inc. (C) have volatilities of 10.04% and 10.45%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| USCB | C | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 10.04% | 10.45% | -0.41% |
Volatility (6M)Calculated over the trailing 6-month period | 18.14% | 23.30% | -5.16% |
Volatility (1Y)Calculated over the trailing 1-year period | 28.68% | 29.21% | -0.53% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 36.83% | 29.27% | +7.56% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 36.77% | 33.10% | +3.67% |
Dividends
USCB vs. C - Dividend Comparison
USCB's dividend yield for the trailing twelve months is around 2.05%, more than C's 1.81% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
C Citigroup Inc. | 1.81% | 1.99% | 3.10% | 4.04% | 4.51% | 3.38% | 3.31% | 2.40% | 2.96% | 1.29% | 0.71% | 0.31% |
USCB USCB Financial Holdings, Inc. | 2.05% | 2.17% | 1.13% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
USCB vs. C - Financials Comparison
This section allows you to compare key financial metrics between USCB Financial Holdings, Inc. and Citigroup Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
USCB vs. C - Profitability Comparison
USCB - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 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%.
C - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Citigroup Inc. reported a gross profit of 24.77B and revenue of 24.77B. Therefore, the gross margin over that period was 100.0%.
USCB - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 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%.
C - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Citigroup Inc. reported an operating income of 8.03B and revenue of 24.77B, resulting in an operating margin of 32.4%.
USCB - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 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%.
C - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Citigroup Inc. reported a net income of 5.83B and revenue of 24.77B, resulting in a net margin of 23.5%.
Frequently Asked Questions
USCB and C have a correlation of 0.38, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
C has higher volatility (10.45%) compared to USCB (10.04%). In terms of maximum drawdown, USCB dropped -44.24% vs C's -98.00%.
C currently has the higher Sharpe Ratio (1.54 vs 1.24), 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.
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