17.79 USD
-0.09 (-0.5%)
17.79 USD
0 (0%)
USCB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. USCB has only an average score on both its financial health and profitability. USCB has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!
1. Profitability
1.1 Basic Checks
USCB had positive earnings in the past year.
USCB had a positive operating cash flow in the past year.
USCB had positive earnings in 4 of the past 5 years.
In the past 5 years USCB always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 1.09%, USCB is doing good in the industry, outperforming 71.06% of the companies in the same industry.
USCB has a Return On Equity of 12.80%. This is amongst the best in the industry. USCB outperforms 85.53% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of USCB (32.31%) is better than 86.56% of its industry peers.
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 Rank | Sector 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
2. Health
2.1 Basic Checks
USCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for USCB has been increased compared to 1 year ago.
USCB has less shares outstanding than it did 5 years ago.
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.47%
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.
Looking at the last year, USCB shows a very strong growth in Revenue. The Revenue has grown by 26.24%.
Measured over the past years, USCB shows a quite strong growth in Revenue. The Revenue has been growing by 13.06% on average per year.
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
USCB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 24.41% yearly.
Based on estimates for the next years, USCB will show a quite strong growth in Revenue. The Revenue will grow by 13.96% on average per year.
EPS Next Y43.3%
EPS Next 2Y32.04%
EPS Next 3Y24.41%
EPS Next 5YN/A
Revenue Next Year19.91%
Revenue Next 2Y16.51%
Revenue Next 3Y13.96%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.19, which indicates a very decent 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 60.21% of the companies listed in the same industry.
USCB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.15.
The Price/Forward Earnings ratio is 8.30, which indicates a very decent valuation of USCB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of USCB indicates a rather cheap valuation: USCB is cheaper than 81.40% 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 36.12.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.19 | ||
| Fwd PE | 8.3 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, USCB is valued a bit cheaper than the industry average as 74.68% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.8 | ||
| 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.
A more expensive valuation may be justified as USCB's earnings are expected to grow with 24.41% in the coming years.
PEG (NY)0.26
PEG (5Y)0.47
EPS Next 2Y32.04%
EPS Next 3Y24.41%
5. Dividend
5.1 Amount
USCB has a Yearly Dividend Yield of 2.29%.
USCB's Dividend Yield is slightly below the industry average, which is at 3.33.
Compared to an average S&P500 Dividend Yield of 2.41, USCB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.29% |
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
19.95% of the earnings are spent on dividend by USCB. This is a low number and sustainable payout ratio.
DP19.95%
EPS Next 2Y32.04%
EPS Next 3Y24.41%
17.79
-0.09 (-0.5%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners42.84%
Inst Owner Change24.59%
Ins Owners2.63%
Ins Owner Change-47.83%
Market Cap357.22M
Revenue(TTM)95.18M
Net Income(TTM)29.65M
Analysts80
Price Target21.17 (19%)
Short Float %0.76%
Short Ratio3.8
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.29% |
Yearly Dividend0.2
Dividend Growth(5Y)N/A
DP19.95%
Div Incr Years0
Div Non Decr Years1
Ex-Date
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)0.48%
PT rev (3m)3.49%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)5.37%
EPS NY rev (3m)6.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.13%
Revenue NY rev (1m)0.52%
Revenue NY rev (3m)-0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.19 | ||
| Fwd PE | 8.3 | ||
| P/S | 3.89 | ||
| P/FCF | 8.8 | ||
| P/OCF | 8.75 | ||
| P/B | 1.54 | ||
| P/tB | 1.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.59
EY8.94%
EPS(NY)2.14
Fwd EY12.05%
FCF(TTM)2.02
FCFY11.37%
OCF(TTM)2.03
OCFY11.43%
SpS4.57
BVpS11.53
TBVpS11.53
PEG (NY)0.26
PEG (5Y)0.47
Graham Number20.31
Profitability
| Industry Rank | Sector 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
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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector 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
WACC14.47%
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 Y43.3%
EPS Next 2Y32.04%
EPS Next 3Y24.41%
EPS Next 5YN/A
Revenue 1Y (TTM)26.24%
Revenue growth 3Y9.37%
Revenue growth 5Y13.06%
Sales Q2Q%15.83%
Revenue Next Year19.91%
Revenue Next 2Y16.51%
Revenue Next 3Y13.96%
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%
USCB FINANCIAL HOLDINGS INC / USCB FAQ
What is the fundamental rating for USCB stock?
ChartMill assigns a fundamental rating of 5 / 10 to USCB.
What is the valuation status for USCB stock?
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 11.19 and the Price/Book (PB) ratio is 1.54.
Can you provide the financial health for USCB stock?
The financial health rating of USCB FINANCIAL HOLDINGS INC (USCB) is 4 / 10.