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USCB FINANCIAL HOLDINGS INC (USCB) Stock Fundamental Analysis

NASDAQ:USCB - Nasdaq - US90355N1019 - Common Stock - Currency: USD

16.81  -0.57 (-3.28%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to USCB. USCB was compared to 393 industry peers in the Banks industry. USCB has an average financial health and profitability rating. USCB is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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4

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.
Each year in the past 5 years USCB had a positive operating cash flow.
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

The Return On Assets of USCB (1.04%) is better than 67.68% of its industry peers.
With an excellent Return On Equity value of 12.32%, USCB belongs to the best of the industry, outperforming 84.22% of the companies in the same industry.
Industry RankSector Rank
ROA 1.04%
ROE 12.32%
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 31.54%, USCB belongs to the best of the industry, outperforming 84.73% 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 RankSector Rank
OM N/A
PM (TTM) 31.54%
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.
Compared to 1 year ago, USCB has more shares outstanding
The number of shares outstanding for USCB has been reduced compared to 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.
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
WACC15.04%
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.
The Earnings Per Share has been growing by 23.68% on average over the past years. This is a very strong growth
The Revenue has grown by 31.04% in the past year. This is a very strong growth!
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

The Earnings Per Share is expected to grow by 17.26% on average over the next years. This is quite good.
Based on estimates for the next years, USCB will show a quite strong growth in Revenue. The Revenue will grow by 11.94% on average per year.
EPS Next Y30.2%
EPS Next 2Y17.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year19.85%
Revenue Next 2Y11.94%
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.
USCB Yearly Revenue VS EstimatesUSCB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
USCB Yearly EPS VS EstimatesUSCB Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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6

4. Valuation

4.1 Price/Earnings Ratio

USCB is valuated reasonably with a Price/Earnings ratio of 11.44.
Compared to the rest of the industry, the Price/Earnings ratio of USCB indicates a somewhat cheap valuation: USCB is cheaper than 60.05% of the companies listed in the same industry.
USCB is valuated cheaply when we compare the Price/Earnings ratio to 26.84, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.94, the valuation of USCB can be described as very reasonable.
USCB's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.29, USCB is valued rather cheaply.
Industry RankSector Rank
PE 11.44
Fwd PE 9.94
USCB Price Earnings VS Forward Price EarningsUSCB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

USCB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. USCB is cheaper than 78.37% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.35
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.
A more expensive valuation may be justified as USCB's earnings are expected to grow with 17.26% in the coming years.
PEG (NY)0.38
PEG (5Y)0.48
EPS Next 2Y17.26%
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.01%, USCB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.41, USCB is paying slightly less dividend.
USCB's Dividend Yield is comparable with the S&P500 average which is at 2.36.
Industry RankSector Rank
Dividend Yield 2.01%

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 17.78% of its income as dividend. This is a sustainable payout ratio.
DP17.78%
EPS Next 2Y17.26%
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 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 (8/15/2025, 8:00:01 PM)

16.81

-0.57 (-3.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-24 2025-07-24/amc
Earnings (Next)10-29 2025-10-29/amc
Inst Owners42.65%
Inst Owner Change0.54%
Ins Owners2.58%
Ins Owner Change-0.93%
Market Cap337.54M
Analysts78.18
Price Target20.45 (21.65%)
Short Float %1.2%
Short Ratio5.08
Dividend
Industry RankSector Rank
Dividend Yield 2.01%
Yearly Dividend0.2
Dividend Growth(5Y)N/A
DP17.78%
Div Incr Years0
Div Non Decr Years1
Ex-Date08-15 2025-08-15 (0.1)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-4.8%
Min EPS beat(2)-8.68%
Max EPS beat(2)-0.92%
EPS beat(4)2
Avg EPS beat(4)7.79%
Min EPS beat(4)-8.68%
Max EPS beat(4)29.33%
EPS beat(8)3
Avg EPS beat(8)-2.7%
EPS beat(12)4
Avg EPS beat(12)-3.92%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-0.94%
Min Revenue beat(2)-2.44%
Max Revenue beat(2)0.57%
Revenue beat(4)3
Avg Revenue beat(4)2.23%
Min Revenue beat(4)-2.44%
Max Revenue beat(4)8.99%
Revenue beat(8)4
Avg Revenue beat(8)-2.2%
Revenue beat(12)5
Avg Revenue beat(12)-2.93%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0.56%
PT rev (3m)-2.2%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)2.37%
Revenue NY rev (3m)2.37%
Valuation
Industry RankSector Rank
PE 11.44
Fwd PE 9.94
P/S 3.84
P/FCF 8.35
P/OCF 8.3
P/B 1.5
P/tB 1.5
EV/EBITDA N/A
EPS(TTM)1.47
EY8.74%
EPS(NY)1.69
Fwd EY10.06%
FCF(TTM)2.01
FCFY11.98%
OCF(TTM)2.03
OCFY12.06%
SpS4.38
BVpS11.21
TBVpS11.21
PEG (NY)0.38
PEG (5Y)0.48
Profitability
Industry RankSector Rank
ROA 1.04%
ROE 12.32%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.54%
GM N/A
FCFM 46%
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 45.21%
Cap/Sales 0.31%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 145.83%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC15.04%
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 Y30.2%
EPS Next 2Y17.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)31.04%
Revenue growth 3Y9.37%
Revenue growth 5Y13.06%
Sales Q2Q%19%
Revenue Next Year19.85%
Revenue Next 2Y11.94%
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 1Y24.72%
FCF growth 3Y16.39%
FCF growth 5Y20.18%
OCF growth 1Y23.53%
OCF growth 3Y15.63%
OCF growth 5Y18.91%