18.42 USD
-0.03 (-0.16%)
18.42 USD
0 (0%)
USCB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. USCB has a medium profitability rating, but doesn't score so well on its financial health evaluation. USCB is evaluated to be cheap and growing strongly. This does not happen too often!
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.
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
The Return On Assets of USCB (1.14%) is better than 72.68% of its industry peers.
With an excellent Return On Equity value of 15.13%, USCB belongs to the best of the industry, outperforming 93.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.14% | ||
| ROE | 15.13% | ||
| 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
Looking at the Profit Margin, with a value of 33.24%, USCB belongs to the top of the industry, outperforming 86.86% of the companies in the same industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 33.24% | ||
| 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.
Compared to 5 years 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
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's Debt to FCF ratio of 0.79 is fine compared to the rest of the industry. USCB outperforms 72.42% of its industry peers.
A Debt/Equity ratio of 0.19 indicates that USCB is not too dependend on debt financing.
USCB's Debt to Equity ratio of 0.19 is in line compared to the rest of the industry. USCB outperforms 44.85% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.79 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.93%
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.
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 26.24%.
USCB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.06% yearly.
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 25.23% on average per year.
The Revenue is expected to grow by 14.66% on average over the next years. This is quite good.
EPS Next Y33.74%
EPS Next 2Y34.08%
EPS Next 3Y25.23%
EPS Next 5YN/A
Revenue Next Year19.96%
Revenue Next 2Y17.57%
Revenue Next 3Y14.66%
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.
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
A Price/Earnings ratio of 11.58 indicates a reasonable valuation of USCB.
Compared to the rest of the industry, the Price/Earnings ratio of USCB indicates a somewhat cheap valuation: USCB is cheaper than 60.57% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of USCB to the average of the S&P500 Index (26.51), we can say USCB is valued rather cheaply.
The Price/Forward Earnings ratio is 8.33, which indicates a very decent valuation of USCB.
84.02% of the companies in the same industry are more expensive than USCB, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of USCB to the average of the S&P500 Index (23.13), we can say USCB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.58 | ||
| Fwd PE | 8.33 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of USCB indicates a rather cheap valuation: USCB is cheaper than 86.08% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.74 | ||
| EV/EBITDA | N/A |
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.
USCB's earnings are expected to grow with 25.23% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.34
PEG (5Y)0.49
EPS Next 2Y34.08%
EPS Next 3Y25.23%
5. Dividend
5.1 Amount
USCB has a Yearly Dividend Yield of 2.10%.
USCB's Dividend Yield is slightly below the industry average, which is at 2.74.
Compared to an average S&P500 Dividend Yield of 2.00, USCB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.1% |
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
USCB pays out 21.83% of its income as dividend. This is a sustainable payout ratio.
DP21.83%
EPS Next 2Y34.08%
EPS Next 3Y25.23%
18.42
-0.03 (-0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners53.13%
Inst Owner Change24.59%
Ins Owners2.85%
Ins Owner Change-58.2%
Market Cap333.59M
Revenue(TTM)95.18M
Net Income(TTM)31.64M
Analysts80
Price Target21.73 (17.97%)
Short Float %0.98%
Short Ratio3.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.1% |
Yearly Dividend0.2
Dividend Growth(5Y)N/A
DP21.83%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
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)2.65%
PT rev (3m)3.15%
EPS NQ rev (1m)-23.2%
EPS NQ rev (3m)-12.64%
EPS NY rev (1m)-6.67%
EPS NY rev (3m)-0.93%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)2.3%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.56%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.58 | ||
| Fwd PE | 8.33 | ||
| P/S | 3.5 | ||
| P/FCF | 6.74 | ||
| P/OCF | 6.7 | ||
| P/B | 1.6 | ||
| P/tB | 1.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.59
EY8.63%
EPS(NY)2.21
Fwd EY12.01%
FCF(TTM)2.73
FCFY14.84%
OCF(TTM)2.75
OCFY14.92%
SpS5.26
BVpS11.55
TBVpS11.55
PEG (NY)0.34
PEG (5Y)0.49
Graham Number20.32
Profitability
| Industry Rank | Sector 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)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-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector 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
WACC14.93%
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 Y33.74%
EPS Next 2Y34.08%
EPS Next 3Y25.23%
EPS Next 5YN/A
Revenue 1Y (TTM)26.24%
Revenue growth 3Y9.37%
Revenue growth 5Y13.06%
Sales Q2Q%15.83%
Revenue Next Year19.96%
Revenue Next 2Y17.57%
Revenue Next 3Y14.66%
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 1Y91.24%
FCF growth 3Y16.39%
FCF growth 5Y20.18%
OCF growth 1Y87.76%
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.
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 11.58 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 33.74% in the next year.