COMP <GO>

GBC vs USCB // DIVIDEND YIELD & FCF PAYOUT SAFETY

Georgia Banking Company Inc. (NASDAQ) VS. USCB Financial Holdings Inc. (Class A) (NASDAQ) • 15-METRIC TALLY: GBC 2 — USCB 1

▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: USCB

LAST: $34.00 (-8.80%) • MKT CAP: $385.5M

dividend-safety

0.00%

LAST: $19.84 (-1.15%) • MKT CAP: $370.8M

dividend-safety

2.13%

15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (GBC VS. USCB) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	GBC	USCB	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	—	12.00%	—	TIE	/roic <GO>
EV/EBITDA & P/E Valuation	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	—	11.59%	—	TIE	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	—	—	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	—	—	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety ACTIVE	0.00%	2.13%	-2.13	USCB	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	—	5/9	—	TIE	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	50.5	34.4	+16.10	GBC	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	—	13.1x	—	TIE	/forward-pe <GO>
Enterprise Scale & Market Cap	$385.5M	$370.8M	$14.7M	GBC	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	GBC REV	USCB REV	GBC GROSS %	USCB GROSS %	GBC FCF	USCB FCF
FY 2025	—	$1.17B	—	—	—	$42.5M
FY 2024	—	$1.08B	—	—	—	$34.5M
FY 2023	—	$85.7M	—	—	—	$22.5M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

GBC // BETA —

USCB // BETA —