USCB FINANCIAL HOLDINGS INC (USCB) Stock Fundamental Analysis
USA - NASDAQ:USCB - US90355N1019 - Common Stock
17.26 USD
+0.06 (+0.35%)
17.26 USD
0 (0%)
Taking everything into account, USCB scores 5 out of 10 in our fundamental rating. USCB was compared to 390 industry peers in the Banks industry. Both the profitability and the financial health of USCB get a neutral evaluation. Nothing too spectacular is happening here. USCB is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
In the past year USCB was profitable.
USCB had a positive operating cash flow in the past year.
USCB had positive earnings in 4 of the past 5 years.
Each year in the past 5 years USCB had a positive operating cash flow.
1.2 Ratios
USCB has a Return On Assets of 1.09%. This is in the better half of the industry: USCB outperforms 72.82% of its industry peers.
USCB's Return On Equity of 12.80% is amongst the best of the industry. USCB outperforms 85.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 12.8% | ||
| 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
1.3 Margins
USCB has a better Profit Margin (32.31%) than 86.41% of its industry peers.
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) | 32.31% | ||
| 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
2. Health
2.1 Basic Checks
USCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
USCB has more shares outstanding than it did 1 year ago.
The number of shares outstanding for USCB has been reduced compared to 5 years 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
WACC14.75%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
USCB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 54.37%, which is quite impressive.
The Earnings Per Share has been growing by 23.68% on average over the past years. This is a very strong growth
USCB shows a strong growth in Revenue. In the last year, the Revenue has grown by 26.24%.
Measured over the past years, USCB shows a quite strong growth in Revenue. The Revenue has been growing by 13.06% on average per year.
EPS 1Y (TTM)54.37%
EPS 3YN/A
EPS 5Y23.68%
EPS Q2Q%34.29%
Revenue 1Y (TTM)26.24%
Revenue growth 3Y9.37%
Revenue growth 5Y13.06%
Sales Q2Q%15.83%
3.2 Future
Based on estimates for the next years, USCB will show a very strong growth in Earnings Per Share. The EPS will grow by 23.26% on average per year.
Based on estimates for the next years, USCB will show a quite strong growth in Revenue. The Revenue will grow by 14.12% on average per year.
EPS Next Y36%
EPS Next 2Y27.33%
EPS Next 3Y23.26%
EPS Next 5YN/A
Revenue Next Year19.29%
Revenue Next 2Y15.17%
Revenue Next 3Y14.12%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.86 indicates a reasonable valuation of USCB.
The rest of the industry has a similar Price/Earnings ratio as USCB.
USCB is valuated cheaply when we compare the Price/Earnings ratio to 26.10, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 8.65, the valuation of USCB can be described as very reasonable.
70.00% of the companies in the same industry are more expensive than USCB, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.52. USCB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 8.65 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, USCB is valued a bit cheaper than the industry average as 76.15% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.54 | ||
| EV/EBITDA | N/A |
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 23.26% in the coming years.
PEG (NY)0.3
PEG (5Y)0.46
EPS Next 2Y27.33%
EPS Next 3Y23.26%
5. Dividend
5.1 Amount
USCB has a Yearly Dividend Yield of 2.33%.
USCB's Dividend Yield is slightly below the industry average, which is at 3.52.
USCB's Dividend Yield is comparable with the S&P500 average which is at 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.33% |
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
5.3 Sustainability
19.95% of the earnings are spent on dividend by USCB. This is a low number and sustainable payout ratio.
DP19.95%
EPS Next 2Y27.33%
EPS Next 3Y23.26%
17.26
+0.06 (+0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners42.84%
Inst Owner Change0.13%
Ins Owners2.63%
Ins Owner Change-47.51%
Market Cap346.58M
Revenue(TTM)95.18M
Net Income(TTM)29.65M
Analysts80
Price Target21.17 (22.65%)
Short Float %0.8%
Short Ratio5.04
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.33% |
Yearly Dividend0.2
Dividend Growth(5Y)N/A
DP19.95%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.14%
Min EPS beat(2)-0.92%
Max EPS beat(2)3.2%
EPS beat(4)2
Avg EPS beat(4)1.25%
Min EPS beat(4)-8.68%
Max EPS beat(4)11.41%
EPS beat(8)4
Avg EPS beat(8)-0.41%
EPS beat(12)5
Avg EPS beat(12)-3.49%
EPS beat(16)6
Avg EPS beat(16)-6.26%
Revenue beat(2)1
Avg Revenue beat(2)-0.78%
Min Revenue beat(2)-2.44%
Max Revenue beat(2)0.88%
Revenue beat(4)3
Avg Revenue beat(4)0.2%
Min Revenue beat(4)-2.44%
Max Revenue beat(4)1.81%
Revenue beat(8)5
Avg Revenue beat(8)-0.74%
Revenue beat(12)6
Avg Revenue beat(12)-2.74%
Revenue beat(16)9
Avg Revenue beat(16)-0.85%
PT rev (1m)0.48%
PT rev (3m)4.08%
EPS NQ rev (1m)0.48%
EPS NQ rev (3m)0.48%
EPS NY rev (1m)0.74%
EPS NY rev (3m)4.46%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.47%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 8.65 | ||
| P/S | 3.78 | ||
| P/FCF | 8.54 | ||
| P/OCF | 8.49 | ||
| P/B | 1.5 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.59
EY9.21%
EPS(NY)1.99
Fwd EY11.55%
FCF(TTM)2.02
FCFY11.72%
OCF(TTM)2.03
OCFY11.78%
SpS4.57
BVpS11.53
TBVpS11.53
PEG (NY)0.3
PEG (5Y)0.46
Graham Number20.31
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 12.8% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 32.31% | ||
| GM | N/A | ||
| FCFM | 44.25% |
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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 38.4% | ||
| Cap/Sales | 0.25% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 136.94% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC14.75%
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)54.37%
EPS 3YN/A
EPS 5Y23.68%
EPS Q2Q%34.29%
EPS Next Y36%
EPS Next 2Y27.33%
EPS Next 3Y23.26%
EPS Next 5YN/A
Revenue 1Y (TTM)26.24%
Revenue growth 3Y9.37%
Revenue growth 5Y13.06%
Sales Q2Q%15.83%
Revenue Next Year19.29%
Revenue Next 2Y15.17%
Revenue Next 3Y14.12%
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 1Y39.73%
FCF growth 3Y16.39%
FCF growth 5Y20.18%
OCF growth 1Y37.86%
OCF growth 3Y15.63%
OCF growth 5Y18.91%
USCB FINANCIAL HOLDINGS INC / USCB FAQ
What is the fundamental rating for USCB stock?
ChartMill assigns a fundamental rating of 5 / 10 to USCB.
What is the valuation status for USCB stock?
ChartMill assigns a valuation rating of 6 / 10 to USCB FINANCIAL HOLDINGS INC (USCB). This can be considered as Fairly Valued.
Can you provide the profitability details for USCB FINANCIAL HOLDINGS INC?
USCB FINANCIAL HOLDINGS INC (USCB) has a profitability rating of 4 / 10.
What is the valuation of USCB FINANCIAL HOLDINGS INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for USCB FINANCIAL HOLDINGS INC (USCB) is 10.86 and the Price/Book (PB) ratio is 1.5.
Can you provide the financial health for USCB stock?
The financial health rating of USCB FINANCIAL HOLDINGS INC (USCB) is 4 / 10.