USCB vs. NECB

Last updated Jun 24, 2026

USCB (USCB Financial Holdings, Inc.) and NECB (Northeast Community Bancorp, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 3 years, USCB returned 24.43%/yr vs 27.25%/yr for NECB. At a 0.33 correlation, their price movements are largely independent.

Performance

USCB vs. NECB - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in USCB Financial Holdings, Inc. (USCB) and Northeast Community Bancorp, Inc. (NECB). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, USCB achieves a 8.64% return, which is significantly lower than NECB's 19.85% return.

USCB

• 1D: 1.70%
• 1M: 6.07%
• YTD: 8.64%
• 6M: 5.11%
• 1Y: 25.72%
• 3Y*: 24.43%
• 5Y*: —
• 10Y*: —

NECB

• 1D: 2.66%
• 1M: 11.05%
• YTD: 19.85%
• 6M: 17.62%
• 1Y: 21.52%
• 3Y*: 27.25%
• 5Y*: 21.49%
• 10Y*: 21.58%

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

USCB vs. NECB - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021
USCB USCB Financial Holdings, Inc.	8.64%	6.13%	47.03%	0.41%	-12.89%	30.89%
NECB Northeast Community Bancorp, Inc.	19.85%	-3.51%	41.77%	20.41%	38.91%	7.57%

Correlation

The correlation between USCB and NECB is 0.60, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.60
Correlation (3Y) Calculated over the trailing 3-year period	0.47
Correlation (All Time) Calculated using the full available price history since Jul 23, 2021	0.33

Over the past year, USCB and NECB have become more correlated (0.60) than their long-term average of 0.33, meaning their price movements have been converging.

Fundamentals

Market Cap USCB : $364.47M NECB : $360.23M
EPS USCB : $1.45 NECB : $2.49
PE Ratio USCB : 13.65 NECB : 10.69
PEG Ratio USCB : 0.29 NECB : 0.19
PS Ratio USCB : 2.70 NECB : 3.10
PB Ratio USCB : 1.63 NECB : 1.01
Total Revenue (TTM) USCB : $140.58M NECB : $116.88M
Gross Profit (TTM) USCB : $91.65M NECB : $77.77M
EBITDA (TTM) USCB : $37.81M NECB : $48.19M

Return for Risk

USCB vs. NECB — Risk / Return Rank

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

USCB

USCB Risk / Return Rank: 69
USCB Sharpe Ratio Rank: 70
USCB Sortino Ratio Rank: 66
USCB Omega Ratio Rank: 64
USCB Calmar Ratio Rank: 75
USCB Martin Ratio Rank: 72

NECB

NECB Risk / Return Rank: 64
NECB Sharpe Ratio Rank: 68
NECB Sortino Ratio Rank: 64
NECB Omega Ratio Rank: 60
NECB Calmar Ratio Rank: 66
NECB Martin Ratio Rank: 64

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.

USCB vs. NECB - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for USCB Financial Holdings, Inc. (USCB) and Northeast Community Bancorp, Inc. (NECB). 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	NECB	Difference
Sharpe ratio: Return per unit of total volatility	0.89	0.81	+0.08
Sortino ratio: Return per unit of downside risk	1.44	1.35	+0.09
Omega ratio: Gain probability vs. loss probability	1.17	1.15	+0.02
Calmar ratio: Return relative to maximum drawdown	1.90	1.15	+0.75
Martin ratio: Return relative to average drawdown	3.79	2.35	+1.44

USCB vs. NECB - Sharpe Ratio Comparison

The current USCB Sharpe Ratio is 0.89, which is comparable to the NECB Sharpe Ratio of 0.81. The chart below compares the historical Sharpe Ratios of USCB and NECB, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

USCB vs. NECB - Drawdown Comparison

The maximum USCB drawdown since its inception was -44.24%, smaller than the maximum NECB drawdown of -61.91%. Use the drawdown chart below to compare losses from any high point for USCB and NECB.

Drawdown Indicators

	USCB	NECB	Difference
Max Drawdown Largest peak-to-trough decline	-44.24%	-61.91%	+17.67%
Max Drawdown (1Y) Largest decline over 1 year	-13.61%	-18.77%	+5.16%
Max Drawdown (3Y) Largest decline over 3 years	-23.22%	-34.54%	+11.32%
Max Drawdown (5Y) Largest decline over 5 years	—	-34.54%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-47.80%	—
Current Drawdown Current decline from peak	-3.32%	-9.07%	+5.75%
Average Drawdown Average peak-to-trough decline	-17.26%	-24.84%	+7.58%
Ulcer Index Depth and duration of drawdowns from previous peaks	6.81%	9.19%	-2.38%

Volatility

USCB vs. NECB - Volatility Comparison

USCB Financial Holdings, Inc. (USCB) and Northeast Community Bancorp, Inc. (NECB) have volatilities of 6.36% and 6.10%, 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.

Volatility by Period

	USCB	NECB	Difference
Volatility (1M) Calculated over the trailing 1-month period	6.36%	6.10%	+0.26%
Volatility (6M) Calculated over the trailing 6-month period	19.91%	15.92%	+3.99%
Volatility (1Y) Calculated over the trailing 1-year period	28.99%	26.69%	+2.30%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	36.85%	24.96%	+11.89%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	36.85%	29.11%	+7.74%

Dividends

USCB vs. NECB - Dividend Comparison

USCB's dividend yield for the trailing twelve months is around 2.28%, less than NECB's 3.75% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
NECB Northeast Community Bancorp, Inc.	3.75%	4.20%	2.29%	1.01%	2.82%	1.82%	1.09%	1.00%	1.08%	1.19%	1.52%	1.69%
USCB USCB Financial Holdings, Inc.	2.28%	2.17%	1.13%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Financials

Frequently Asked Questions

Can I hold both USCB and NECB in my portfolio?

USCB and NECB have a correlation of 0.60, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, USCB or NECB?

USCB has higher volatility (6.36%) compared to NECB (6.10%). In terms of maximum drawdown, USCB dropped -44.24% vs NECB's -61.91%.

Which has better risk-adjusted returns?

USCB currently has the higher Sharpe Ratio (0.89 vs 0.81), 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.