USCB FINANCIAL HOLDINGS INC (USCB) Fundamental Analysis & Valuation

NASDAQ:USCB • US90355N1019

Current stock price

18.35 USD
+0.03 (+0.16%)
At close:
18.35 USD
0 (0%)
After Hours:

This USCB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. USCB Profitability Analysis

1.1 Basic Checks

  • USCB had positive earnings in the past year.
  • USCB had a positive operating cash flow in the past year.
  • Of the past 5 years USCB 4 years were profitable.
  • Of the past 5 years USCB 4 years had a positive operating cash flow.
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 2025 0 20M -20M -40M -60M

1.2 Ratios

  • With a decent Return On Assets value of 1.14%, USCB is doing good in the industry, outperforming 68.68% of the companies in the same industry.
  • With an excellent Return On Equity value of 15.13%, USCB belongs to the best of the industry, outperforming 93.16% of the companies in the same industry.
Industry RankSector Rank
ROA 1.14%
ROE 15.13%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 2025 0 10 -10 -20 -30

1.3 Margins

  • USCB has a better Profit Margin (33.24%) than 85.53% 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) 33.24%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.35%
PM growth 5Y13.33%
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 2025 0 -50 -100

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3

2. USCB Health Analysis

2.1 Basic Checks

  • USCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 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 a debt to FCF ratio of 0.79. This is a very positive value and a sign of high solvency as it would only need 0.79 years to pay back of all of its debts.
  • USCB has a Debt to FCF ratio of 0.79. This is in the better half of the industry: USCB outperforms 72.89% of its industry peers.
  • USCB has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.19, USCB is in line with its industry, outperforming 45.79% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 0.79
Altman-Z N/A
ROIC/WACCN/A
WACC15.04%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. USCB Growth Analysis

3.1 Past

  • USCB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 37.40%, which is quite impressive.
  • Measured over the past years, USCB shows a very strong growth in Earnings Per Share. The EPS has been growing by 28.44% on average per year.
  • Looking at the last year, USCB shows a quite strong growth in Revenue. The Revenue has grown by 9.13% in the last year.
  • The Revenue has been growing by 12.67% on average over the past years. This is quite good.
EPS 1Y (TTM)37.4%
EPS 3Y19.11%
EPS 5Y28.44%
EPS Q2Q%29.41%
Revenue 1Y (TTM)9.13%
Revenue growth 3Y9.41%
Revenue growth 5Y12.67%
Sales Q2Q%-21.56%

3.2 Future

  • Based on estimates for the next years, USCB will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.43% on average per year.
  • USCB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.13% yearly.
EPS Next Y22.52%
EPS Next 2Y16.43%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.59%
Revenue Next 2Y10.13%
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.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
USCB Yearly Revenue VS EstimatesUSCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
USCB Yearly EPS VS EstimatesUSCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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7

4. USCB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 10.86 indicates a reasonable valuation of USCB.
  • 63.16% of the companies in the same industry are more expensive than USCB, based on the Price/Earnings ratio.
  • USCB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.88.
  • Based on the Price/Forward Earnings ratio of 8.86, the valuation of USCB can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of USCB indicates a somewhat cheap valuation: USCB is cheaper than 76.58% of the companies listed in the same industry.
  • USCB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.19.
Industry RankSector Rank
PE 10.86
Fwd PE 8.86
USCB Price Earnings VS Forward Price EarningsUSCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • USCB's Price/Free Cash Flow ratio is rather cheap when compared to the industry. USCB is cheaper than 86.32% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.77
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

  • USCB's 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 16.43% in the coming years.
PEG (NY)0.48
PEG (5Y)0.38
EPS Next 2Y16.43%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. USCB Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.29%, USCB has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.69, USCB is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.89, USCB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.29%

5.2 History

  • USCB has been paying a dividend for less than 5 years, so it still needs to build a 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 2026 0 0 0 0 0

5.3 Sustainability

  • USCB pays out 21.83% of its income as dividend. This is a sustainable payout ratio.
DP21.83%
EPS Next 2Y16.43%
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 2025 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 Fundamentals: All Metrics, Ratios and Statistics

USCB FINANCIAL HOLDINGS INC

NASDAQ:USCB (3/27/2026, 8:00:01 PM)

After market: 18.35 0 (0%)

18.35

+0.03 (+0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners54.07%
Inst Owner Change-8.16%
Ins Owners3.03%
Ins Owner Change-5.7%
Market Cap335.07M
Revenue(TTM)90.22M
Net Income(TTM)31.64M
Analysts80
Price Target21.98 (19.78%)
Short Float %0.81%
Short Ratio1.92
Dividend
Industry RankSector Rank
Dividend Yield 2.29%
Yearly Dividend0.2
Dividend Growth(5Y)N/A
DP21.83%
Div Incr Years0
Div Non Decr Years1
Ex-Date02-17
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.45%
Min EPS beat(2)3.2%
Max EPS beat(2)9.71%
EPS beat(4)2
Avg EPS beat(4)0.83%
Min EPS beat(4)-8.68%
Max EPS beat(4)9.71%
EPS beat(8)5
Avg EPS beat(8)1.8%
EPS beat(12)6
Avg EPS beat(12)-2.24%
EPS beat(16)7
Avg EPS beat(16)-0.71%
Revenue beat(2)1
Avg Revenue beat(2)-0.69%
Min Revenue beat(2)-2.25%
Max Revenue beat(2)0.88%
Revenue beat(4)2
Avg Revenue beat(4)-0.81%
Min Revenue beat(4)-2.44%
Max Revenue beat(4)0.88%
Revenue beat(8)5
Avg Revenue beat(8)-0.33%
Revenue beat(12)5
Avg Revenue beat(12)-2.93%
Revenue beat(16)8
Avg Revenue beat(16)-1.94%
PT rev (1m)-0.35%
PT rev (3m)3.36%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-26.43%
EPS NY rev (1m)-0.12%
EPS NY rev (3m)-3.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.17%
Valuation
Industry RankSector Rank
PE 10.86
Fwd PE 8.86
P/S 3.52
P/FCF 6.77
P/OCF 6.73
P/B 1.6
P/tB 1.6
EV/EBITDA N/A
EPS(TTM)1.69
EY9.21%
EPS(NY)2.07
Fwd EY11.28%
FCF(TTM)2.71
FCFY14.77%
OCF(TTM)2.73
OCFY14.85%
SpS5.21
BVpS11.45
TBVpS11.45
PEG (NY)0.48
PEG (5Y)0.38
Graham Number20.87
Profitability
Industry RankSector Rank
ROA 1.14%
ROE 15.13%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 33.24%
GM N/A
FCFM 52.01%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 3Y-0.35%
PM growth 5Y13.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 0.79
Debt/EBITDA N/A
Cap/Depr 43.82%
Cap/Sales 0.28%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 156.44%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC15.04%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)37.4%
EPS 3Y19.11%
EPS 5Y28.44%
EPS Q2Q%29.41%
EPS Next Y22.52%
EPS Next 2Y16.43%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.13%
Revenue growth 3Y9.41%
Revenue growth 5Y12.67%
Sales Q2Q%-21.56%
Revenue Next Year10.59%
Revenue Next 2Y10.13%
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 1Y60.32%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y59.69%
OCF growth 3YN/A
OCF growth 5YN/A

USCB FINANCIAL HOLDINGS INC / USCB Fundamental Analysis FAQ

What is the fundamental rating for USCB stock?

ChartMill assigns a fundamental rating of 5 / 10 to USCB.


Can you provide the valuation status for USCB FINANCIAL HOLDINGS INC?

ChartMill assigns a valuation rating of 7 / 10 to USCB FINANCIAL HOLDINGS INC (USCB). This can be considered as Undervalued.


How profitable is USCB FINANCIAL HOLDINGS INC (USCB) stock?

USCB FINANCIAL HOLDINGS INC (USCB) has a profitability rating of 4 / 10.


What are the PE and PB ratios of USCB FINANCIAL HOLDINGS INC (USCB) stock?

The Price/Earnings (PE) ratio for USCB FINANCIAL HOLDINGS INC (USCB) is 10.86 and the Price/Book (PB) ratio is 1.6.


What is the earnings growth outlook for USCB FINANCIAL HOLDINGS INC?

The Earnings per Share (EPS) of USCB FINANCIAL HOLDINGS INC (USCB) is expected to grow by 22.52% in the next year.