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USCB FINANCIAL HOLDINGS INC (USCB) Stock Fundamental Analysis

USA - NASDAQ:USCB - US90355N1019 - Common Stock

16.85 USD
-0.43 (-2.49%)
Last: 10/2/2025, 2:54:03 PM
Fundamental Rating

5

Taking everything into account, USCB scores 5 out of 10 in our fundamental rating. USCB was compared to 392 industry peers in the Banks industry. USCB has only an average score on both its financial health and profitability. USCB is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

USCB had positive earnings in the past year.
In the past year USCB had a positive cash flow from operations.
Of the past 5 years USCB 4 years were profitable.
USCB had a positive operating cash flow in each of the past 5 years.
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 1.09%, USCB is doing good in the industry, outperforming 72.70% of the companies in the same industry.
With an excellent Return On Equity value of 12.80%, USCB belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
Industry RankSector 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
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

With an excellent Profit Margin value of 32.31%, USCB belongs to the best of the industry, outperforming 86.73% of the companies in the same industry.
In the last couple of years the Profit Margin of USCB has grown nicely.
USCB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
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.
USCB has more shares outstanding than it did 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
WACC14.98%
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

USCB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 68.97%, which is quite impressive.
USCB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 23.68% yearly.
Looking at the last year, USCB shows a very strong growth in Revenue. The Revenue has grown by 31.04%.
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)31.04%
Revenue growth 3Y9.37%
Revenue growth 5Y13.06%
Sales Q2Q%19%

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 24.37% on average per year.
The Revenue is expected to grow by 14.12% on average over the next years. This is quite good.
EPS Next Y35%
EPS Next 2Y17.26%
EPS Next 3Y24.37%
EPS Next 5YN/A
Revenue Next Year19.29%
Revenue Next 2Y11.94%
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.
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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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.46 indicates a reasonable valuation of USCB.
USCB's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of USCB to the average of the S&P500 Index (27.79), we can say USCB is valued rather cheaply.
A Price/Forward Earnings ratio of 9.96 indicates a reasonable valuation of USCB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of USCB is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 23.21. USCB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.46
Fwd PE 9.96
USCB Price Earnings VS Forward Price EarningsUSCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 76.79% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.33
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.
USCB's earnings are expected to grow with 24.37% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.33
PEG (5Y)0.48
EPS Next 2Y17.26%
EPS Next 3Y24.37%

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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.03%, USCB has a reasonable but not impressive dividend return.
USCB's Dividend Yield is slightly below the industry average, which is at 3.52.
Compared to an average S&P500 Dividend Yield of 2.41, USCB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.03%

5.2 History

USCB does not have a reliable dividend history as it only pays dividend since a couple or years.
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 19.95% of its income as dividend. This is a sustainable payout ratio.
DP19.95%
EPS Next 2Y17.26%
EPS Next 3Y24.37%
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 (10/2/2025, 2:54:03 PM)

16.85

-0.43 (-2.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/amc
Earnings (Next)10-23 2025-10-23/amc
Inst Owners42.84%
Inst Owner Change0.54%
Ins Owners2.63%
Ins Owner Change-46.95%
Market Cap338.35M
Analysts78.18
Price Target21.06 (24.99%)
Short Float %0.86%
Short Ratio5.1
Dividend
Industry RankSector Rank
Dividend Yield 2.03%
Yearly Dividend0.2
Dividend Growth(5Y)N/A
DP19.95%
Div Incr Years0
Div Non Decr Years1
Ex-Date08-15 2025-08-15 (0.1)
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)2.99%
PT rev (3m)3.57%
EPS NQ rev (1m)0.12%
EPS NQ rev (3m)4.5%
EPS NY rev (1m)0.03%
EPS NY rev (3m)3.69%
Revenue NQ rev (1m)-0.61%
Revenue NQ rev (3m)2.1%
Revenue NY rev (1m)-0.62%
Revenue NY rev (3m)1.89%
Valuation
Industry RankSector Rank
PE 11.46
Fwd PE 9.96
P/S 3.69
P/FCF 8.33
P/OCF 8.29
P/B 1.46
P/tB 1.46
EV/EBITDA N/A
EPS(TTM)1.47
EY8.72%
EPS(NY)1.69
Fwd EY10.04%
FCF(TTM)2.02
FCFY12%
OCF(TTM)2.03
OCFY12.07%
SpS4.57
BVpS11.53
TBVpS11.53
PEG (NY)0.33
PEG (5Y)0.48
Profitability
Industry RankSector 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
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 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
WACC14.98%
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 Y35%
EPS Next 2Y17.26%
EPS Next 3Y24.37%
EPS Next 5YN/A
Revenue 1Y (TTM)31.04%
Revenue growth 3Y9.37%
Revenue growth 5Y13.06%
Sales Q2Q%19%
Revenue Next Year19.29%
Revenue Next 2Y11.94%
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%