USCB FINANCIAL HOLDINGS INC (USCB) Fundamental Analysis & Valuation

NASDAQ:USCB • US90355N1019

Current stock price

19.47 USD
+0.13 (+0.65%)
At close:
19.47 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.
  • In the past 5 years USCB always reported a positive cash flow from operatings.
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 -40M -60M

1.2 Ratios

  • USCB has a Return On Assets (0.93%) which is in line with its industry peers.
  • With a decent Return On Equity value of 12.02%, USCB is doing good in the industry, outperforming 78.72% of the companies in the same industry.
Industry RankSector Rank
ROA 0.93%
ROE 12.02%
ROIC N/A
ROA(3y)0.87%
ROA(5y)-0.05%
ROE(3y)10.7%
ROE(5y)1.7%
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

  • Looking at the Profit Margin, with a value of 28.93%, USCB is in the better half of the industry, outperforming 68.62% of the companies in the same industry.
  • USCB's Profit Margin has improved in the last couple of years.
  • 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) 28.93%
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.
  • Compared to 1 year ago, USCB has less shares outstanding
  • USCB has less shares outstanding than it did 5 years ago.
  • USCB has a worse debt/assets ratio than last year.
USCB Yearly Shares OutstandingUSCB Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 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 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • USCB has a debt to FCF ratio of 0.92. This is a very positive value and a sign of high solvency as it would only need 0.92 years to pay back of all of its debts.
  • USCB has a Debt to FCF ratio of 0.92. This is in the better half of the industry: USCB outperforms 69.68% of its industry peers.
  • A Debt/Equity ratio of 0.18 indicates that USCB is not too dependend on debt financing.
  • USCB has a Debt to Equity ratio (0.18) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 0.92
Altman-Z N/A
ROIC/WACCN/A
WACC14.25%
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 2025 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 2025 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

  • The Earnings Per Share has grown by an impressive 37.40% over the past year.
  • 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.
  • USCB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.13%.
  • 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

  • USCB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.43% yearly.
  • Based on estimates for the next years, USCB will show a quite strong growth in Revenue. The Revenue will grow by 10.18% on average per year.
EPS Next Y22.52%
EPS Next 2Y16.43%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.7%
Revenue Next 2Y10.18%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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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7

4. USCB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.52 indicates a reasonable valuation of USCB.
  • USCB's Price/Earnings ratio is a bit cheaper when compared to the industry. USCB is cheaper than 63.03% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.47. USCB is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 9.40, the valuation of USCB can be described as very reasonable.
  • USCB's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. USCB is cheaper than 71.54% of the companies 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 22.62.
Industry RankSector Rank
PE 11.52
Fwd PE 9.4
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 rather cheap valuation: USCB is cheaper than 82.18% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.36
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.
  • USCB's earnings are expected to grow with 16.43% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.51
PEG (5Y)0.41
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 2.16%, USCB has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.57, USCB is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.81, USCB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.16%

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 Years1
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

  • 30.00% of the earnings are spent on dividend by USCB. This is a low number and sustainable payout ratio.
DP30%
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 -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 (4/23/2026, 8:00:01 PM)

After market: 19.47 0 (0%)

19.47

+0.13 (+0.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23
Earnings (Next)N/A
Inst Owners53.93%
Inst Owner Change0.25%
Ins Owners3.07%
Ins Owner Change-5.3%
Market Cap355.52M
Revenue(TTM)90.22M
Net Income(TTM)26.10M
Analysts80
Price Target21.98 (12.89%)
Short Float %1.01%
Short Ratio2.5
Dividend
Industry RankSector Rank
Dividend Yield 2.16%
Yearly Dividend0.41
Dividend Growth(5Y)N/A
DP30%
Div Incr Years1
Div Non Decr Years1
Ex-Date02-17
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.43%
Min EPS beat(2)9.71%
Max EPS beat(2)33.14%
EPS beat(4)3
Avg EPS beat(4)11.28%
Min EPS beat(4)-0.92%
Max EPS beat(4)33.14%
EPS beat(8)6
Avg EPS beat(8)10.73%
EPS beat(12)7
Avg EPS beat(12)2.93%
EPS beat(16)7
Avg EPS beat(16)-0.27%
Revenue beat(2)0
Avg Revenue beat(2)-17.44%
Min Revenue beat(2)-32.64%
Max Revenue beat(2)-2.25%
Revenue beat(4)1
Avg Revenue beat(4)-9.11%
Min Revenue beat(4)-32.64%
Max Revenue beat(4)0.88%
Revenue beat(8)5
Avg Revenue beat(8)-3.06%
Revenue beat(12)5
Avg Revenue beat(12)-4.52%
Revenue beat(16)7
Avg Revenue beat(16)-4.28%
PT rev (1m)0%
PT rev (3m)1.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.42%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-4.29%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.84%
Valuation
Industry RankSector Rank
PE 11.52
Fwd PE 9.4
P/S 3.94
P/FCF 8.36
P/OCF 8.31
P/B 1.64
P/tB 1.64
EV/EBITDA N/A
EPS(TTM)1.69
EY8.68%
EPS(NY)2.07
Fwd EY10.63%
FCF(TTM)2.33
FCFY11.95%
OCF(TTM)2.34
OCFY12.04%
SpS4.94
BVpS11.89
TBVpS11.89
PEG (NY)0.51
PEG (5Y)0.41
Graham Number21.2666 (9.23%)
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 12.02%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.93%
GM N/A
FCFM 47.11%
ROA(3y)0.87%
ROA(5y)-0.05%
ROE(3y)10.7%
ROE(5y)1.7%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 0.92
Debt/EBITDA N/A
Cap/Depr 48.95%
Cap/Sales 0.34%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 162.84%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC14.25%
ROIC/WACCN/A
Cap/Depr(3y)43.36%
Cap/Depr(5y)57.67%
Cap/Sales(3y)0.32%
Cap/Sales(5y)0.59%
Profit Quality(3y)146.01%
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 Year10.7%
Revenue Next 2Y10.18%
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 1Y23.11%
FCF growth 3Y13.76%
FCF growth 5Y27.23%
OCF growth 1Y22.87%
OCF growth 3Y13.16%
OCF growth 5Y26.72%

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.


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 11.52 and the Price/Book (PB) ratio is 1.64.


What is the financial health of USCB FINANCIAL HOLDINGS INC (USCB) stock?

The financial health rating of USCB FINANCIAL HOLDINGS INC (USCB) is 3 / 10.