USCB FINANCIAL HOLDINGS INC (USCB)
US90355N1019 - Common Stock
USCB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. While USCB seems to be doing ok healthwise, there are quite some concerns on its profitability. USCB is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year USCB was profitable.
USCB had a positive operating cash flow in the past year.
Of the past 5 years USCB 4 years were profitable.
USCB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
USCB has a Return On Assets of 0.71%. This is in the lower half of the industry: USCB underperforms 61.56% of its industry peers.
USCB has a Return On Equity (8.62%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 8.62% | ||
| ROIC | N/A |
ROA(3y)-0.71%
ROA(5y)-0.19%
ROE(3y)-4.99%
ROE(5y)-1.02%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 25.09%, USCB is in line with its industry, outperforming 59.85% of the companies in the same industry.
In the last couple of years the Profit Margin of USCB has grown nicely.
The Operating Margin and Gross Margin are not available for USCB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.09% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y17.47%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
USCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for USCB has been reduced compared to 1 year ago.
USCB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
There is no outstanding debt for USCB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.42%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for USCB have decreased strongly by -23.81% in the last year.
Measured over the past years, USCB shows a very strong growth in Earnings Per Share. The EPS has been growing by 32.93% on average per year.
Looking at the last year, USCB shows a quite strong growth in Revenue. The Revenue has grown by 9.00% in the last year.
USCB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.47% yearly.
EPS 1Y (TTM)-23.81%
EPS 3Y32.93%
EPS 5YN/A
EPS Q2Q%-20.69%
Revenue 1Y (TTM)9%
Revenue growth 3Y15.47%
Revenue growth 5YN/A
Sales Q2Q%-2.47%
3.2 Future
The Earnings Per Share is expected to grow by 5.84% on average over the next years.
USCB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.86% yearly.
EPS Next Y-5.91%
EPS Next 2Y0.49%
EPS Next 3Y5.84%
EPS Next 5YN/A
Revenue Next Year-5.15%
Revenue Next 2Y3.08%
Revenue Next 3Y4.86%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 15.10, the valuation of USCB can be described as correct.
76.64% of the companies in the same industry are cheaper than USCB, based on the Price/Earnings ratio.
USCB's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.05.
The Price/Forward Earnings ratio is 11.96, which indicates a very decent valuation of USCB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of USCB indicates a slightly more expensive valuation: USCB is more expensive than 69.59% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 20.07. USCB is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.1 | ||
| Fwd PE | 11.96 |
4.2 Price Multiples
USCB's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.61 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y0.49%
EPS Next 3Y5.84%
5. Dividend
5.1 Amount
USCB has a Yearly Dividend Yield of 1.65%.
Compared to an average industry Dividend Yield of 3.76, USCB is paying slightly less dividend.
USCB's Dividend Yield is slightly below the S&P500 average, which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.65% |
5.2 History
USCB is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DP0%
EPS Next 2Y0.49%
EPS Next 3Y5.84%
USCB FINANCIAL HOLDINGS INC
NASDAQ:USCB (5/31/2024, 7:11:25 PM)
After market: 12.08 0 (0%)12.08
-0.02 (-0.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap237.37M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.65% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.1 | ||
| Fwd PE | 11.96 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 8.62% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 25.09% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-23.81%
EPS 3Y32.93%
EPS 5Y
EPS Q2Q%
EPS Next Y-5.91%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)9%
Revenue growth 3Y15.47%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y