USCB FINANCIAL HOLDINGS INC (USCB)
US90355N1019 - Common Stock
We assign a fundamental rating of 3 out of 10 to USCB. USCB was compared to 412 industry peers in the Banks industry. The financial health of USCB is average, but 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.
Each year in the past 5 years USCB had a positive operating cash flow.
1.2 Ratios
USCB has a Return On Assets of 0.71%. This is in the lower half of the industry: USCB underperforms 63.59% of its industry peers.
USCB has a Return On Equity (8.62%) which is comparable to the rest of the industry.
| 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
USCB's Profit Margin of 25.09% is in line compared to the rest of the industry. USCB outperforms 55.34% of its industry peers.
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 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.
Compared to 1 year ago, USCB has less shares outstanding
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
WACC15.93%
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 -14.00% in the last year.
The Earnings Per Share has been growing by 30.29% on average over the past years. This is a very strong growth
Looking at the last year, USCB shows a decrease in Revenue. The Revenue has decreased by -4.25% in the last year.
USCB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.90% yearly.
EPS 1Y (TTM)-14%
EPS 3Y30.29%
EPS 5YN/A
EPS growth Q2Q-22.73%
Revenue 1Y (TTM)-4.25%
Revenue growth 3Y9.9%
Revenue growth 5YN/A
Revenue growth Q2Q-6.26%
3.2 Future
The Earnings Per Share is expected to grow by 12.26% on average over the next years. This is quite good.
The Revenue is expected to grow by 10.25% on average over the next years. This is quite good.
EPS Next Y2.17%
EPS Next 2Y12.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.98%
Revenue Next 2Y10.25%
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.
4. Valuation
4.1 Price/Earnings Ratio
USCB is valuated correctly with a Price/Earnings ratio of 13.95.
75.97% 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 24.55.
Based on the Price/Forward Earnings ratio of 12.48, the valuation of USCB can be described as correct.
Based on the Price/Forward Earnings ratio, USCB is valued a bit more expensive than 63.35% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.92, USCB is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.95 | ||
| Fwd PE | 12.48 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of USCB is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.53 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as USCB's earnings are expected to grow with 12.26% in the coming years.
PEG (NY)6.44
PEG (5Y)N/A
EPS Next 2Y12.26%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.80%, USCB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.86, USCB is paying slightly less dividend.
USCB's Dividend Yield is slightly below the S&P500 average, which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.8% |
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 2Y12.26%
EPS Next 3YN/A
USCB FINANCIAL HOLDINGS INC
NASDAQ:USCB (5/2/2024, 11:02:13 AM)
12
+0.18 (+1.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap235.80M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.8% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
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EPS beat(16)
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Revenue beat(2)
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Revenue beat(16)
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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 | 13.95 | ||
| Fwd PE | 12.48 | ||
| 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)6.44
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)
Growth
EPS 1Y (TTM)-14%
EPS 3Y30.29%
EPS 5Y
EPS growth Q2Q
EPS Next Y2.17%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-4.25%
Revenue growth 3Y9.9%
Revenue growth 5Y
Revenue growth 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