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USCB FINANCIAL HOLDINGS INC (USCB) Stock Fundamental Analysis

NASDAQ:USCB - Nasdaq - US90355N1019 - Common Stock - Currency: USD

17.31  +0.13 (+0.76%)

After market: 17.31 0 (0%)

Fundamental Rating

5

USCB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. USCB has only an average score on both its financial health and profitability. USCB is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year USCB was profitable.
In the past year USCB had a positive cash flow from operations.
USCB had positive earnings in 4 of the past 5 years.
In the past 5 years USCB always reported a positive cash flow from operatings.
USCB Yearly Net Income VS EBIT VS OCF VS FCFUSCB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 20M -20M -40M -60M

1.2 Ratios

With a decent Return On Assets value of 1.04%, USCB is doing good in the industry, outperforming 69.19% of the companies in the same industry.
USCB's Return On Equity of 12.32% is amongst the best of the industry. USCB outperforms 84.34% of its industry peers.
Industry RankSector Rank
ROA 1.04%
ROE 12.32%
ROIC N/A
ROA(3y)0.88%
ROA(5y)-0.13%
ROE(3y)10.37%
ROE(5y)0.2%
ROIC(3y)N/A
ROIC(5y)N/A
USCB Yearly ROA, ROE, ROICUSCB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 10 -10 -20 -30

1.3 Margins

USCB has a Profit Margin of 31.54%. This is amongst the best in the industry. USCB outperforms 84.85% of its industry peers.
USCB's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for USCB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 31.54%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y9.28%
GM growth 3YN/A
GM growth 5YN/A
USCB Yearly Profit, Operating, Gross MarginsUSCB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 -50 -100

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4

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 increased compared to 1 year ago.
Compared to 5 years ago, USCB has less shares outstanding
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.
USCB Yearly Shares OutstandingUSCB Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 5M 10M 15M
USCB Yearly Total Debt VS Total AssetsUSCB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

USCB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC15.02%
USCB Yearly LT Debt VS Equity VS FCFUSCB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
USCB Yearly Current Assets VS Current LiabilitesUSCB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

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8

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 68.97% over the past year.
USCB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 23.68% yearly.
USCB shows a strong growth in Revenue. In the last year, the Revenue has grown by 25.32%.
The Revenue has been growing by 13.06% on average over the past years. This is quite good.
EPS 1Y (TTM)68.97%
EPS 3YN/A
EPS 5Y23.68%
EPS Q2Q%29.03%
Revenue 1Y (TTM)25.32%
Revenue growth 3Y9.37%
Revenue growth 5Y13.06%
Sales Q2Q%18.98%

3.2 Future

The Earnings Per Share is expected to grow by 17.26% on average over the next years. This is quite good.
USCB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.94% yearly.
EPS Next Y30.2%
EPS Next 2Y17.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year17.08%
Revenue Next 2Y11.94%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
USCB Yearly Revenue VS EstimatesUSCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
USCB Yearly EPS VS EstimatesUSCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.78, the valuation of USCB can be described as very reasonable.
The rest of the industry has a similar Price/Earnings ratio as USCB.
When comparing the Price/Earnings ratio of USCB to the average of the S&P500 Index (28.04), we can say USCB is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.24, the valuation of USCB can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as USCB.
When comparing the Price/Forward Earnings ratio of USCB to the average of the S&P500 Index (37.64), we can say USCB is valued rather cheaply.
Industry RankSector Rank
PE 11.78
Fwd PE 10.24
USCB Price Earnings VS Forward Price EarningsUSCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of USCB indicates a somewhat cheap valuation: USCB is cheaper than 77.78% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.59
EV/EBITDA N/A
USCB Per share dataUSCB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as USCB's earnings are expected to grow with 17.26% in the coming years.
PEG (NY)0.39
PEG (5Y)0.5
EPS Next 2Y17.26%
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

USCB has a Yearly Dividend Yield of 2.04%. Purely for dividend investing, there may be better candidates out there.
USCB's Dividend Yield is slightly below the industry average, which is at 3.36.
USCB's Dividend Yield is comparable with the S&P500 average which is at 2.31.
Industry RankSector Rank
Dividend Yield 2.04%

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 Years1
USCB Yearly Dividends per shareUSCB Yearly Dividends per shareYearly Dividends per share 2024 2025 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

USCB pays out 17.78% of its income as dividend. This is a sustainable payout ratio.
DP17.78%
EPS Next 2Y17.26%
EPS Next 3YN/A
USCB Yearly Income VS Free CF VS DividendUSCB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2019 2020 2021 2022 2023 2024 0 20M -20M -40M -60M
USCB Dividend Payout.USCB Dividend Payout, showing the Payout Ratio.USCB Dividend Payout.PayoutRetained Earnings

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USCB FINANCIAL HOLDINGS INC

NASDAQ:USCB (7/25/2025, 8:00:01 PM)

After market: 17.31 0 (0%)

17.31

+0.13 (+0.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/amc
Earnings (Next)10-29 2025-10-29/amc
Inst Owners43.74%
Inst Owner Change0.13%
Ins Owners2.58%
Ins Owner Change-0.93%
Market Cap347.07M
Analysts76.36
Price Target20.34 (17.5%)
Short Float %1.28%
Short Ratio5.16
Dividend
Industry RankSector Rank
Dividend Yield 2.04%
Yearly Dividend0.2
Dividend Growth(5Y)N/A
DP17.78%
Div Incr Years0
Div Non Decr Years1
Ex-Date08-15 2025-08-15 (0.1)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.8%
Min EPS beat(2)-8.68%
Max EPS beat(2)-0.92%
EPS beat(4)2
Avg EPS beat(4)7.79%
Min EPS beat(4)-8.68%
Max EPS beat(4)29.33%
EPS beat(8)3
Avg EPS beat(8)-2.7%
EPS beat(12)4
Avg EPS beat(12)-3.92%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-0.94%
Min Revenue beat(2)-2.44%
Max Revenue beat(2)0.57%
Revenue beat(4)3
Avg Revenue beat(4)2.23%
Min Revenue beat(4)-2.44%
Max Revenue beat(4)8.99%
Revenue beat(8)4
Avg Revenue beat(8)-2.2%
Revenue beat(12)5
Avg Revenue beat(12)-2.93%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-9.37%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.04%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.34%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.63%
Valuation
Industry RankSector Rank
PE 11.78
Fwd PE 10.24
P/S 3.95
P/FCF 8.59
P/OCF 8.53
P/B 1.54
P/tB 1.54
EV/EBITDA N/A
EPS(TTM)1.47
EY8.49%
EPS(NY)1.69
Fwd EY9.77%
FCF(TTM)2.02
FCFY11.65%
OCF(TTM)2.03
OCFY11.72%
SpS4.38
BVpS11.23
TBVpS11.23
PEG (NY)0.39
PEG (5Y)0.5
Profitability
Industry RankSector Rank
ROA 1.04%
ROE 12.32%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.54%
GM N/A
FCFM 46%
ROA(3y)0.88%
ROA(5y)-0.13%
ROE(3y)10.37%
ROE(5y)0.2%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y9.28%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 45.21%
Cap/Sales 0.31%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 145.83%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC15.02%
ROIC/WACCN/A
Cap/Depr(3y)59.41%
Cap/Depr(5y)53.39%
Cap/Sales(3y)0.53%
Cap/Sales(5y)0.66%
Profit Quality(3y)138.51%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)68.97%
EPS 3YN/A
EPS 5Y23.68%
EPS Q2Q%29.03%
EPS Next Y30.2%
EPS Next 2Y17.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)25.32%
Revenue growth 3Y9.37%
Revenue growth 5Y13.06%
Sales Q2Q%18.98%
Revenue Next Year17.08%
Revenue Next 2Y11.94%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y24.72%
FCF growth 3Y16.39%
FCF growth 5Y20.18%
OCF growth 1Y23.53%
OCF growth 3Y15.63%
OCF growth 5Y18.91%