USCB FINANCIAL HOLDINGS INC (USCB) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:USCB • US90355N1019

19.87 USD
+0.07 (+0.35%)
At close: Feb 5, 2026
19.87 USD
0 (0%)
After Hours: 2/5/2026, 5:20:01 PM
Fundamental Rating

5

USCB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. There are concerns on the financial health of USCB while its profitability can be described as average. USCB is growing strongly while it also seems undervalued. This is an interesting combination


Dividend Valuation Growth Profitability Health

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.
  • Of the past 5 years USCB 4 years were profitable.
  • USCB had a positive operating cash flow in 4 of the past 5 years.
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 -60M

1.2 Ratios

  • With a decent Return On Assets value of 1.14%, USCB is doing good in the industry, outperforming 72.32% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 15.13%, USCB belongs to the top of the industry, outperforming 93.47% of the companies in the same industry.
Industry RankSector Rank
ROA 1.14%
ROE 15.13%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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

  • The Profit Margin of USCB (33.24%) is better than 86.68% 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 RankSector Rank
OM N/A
PM (TTM) 33.24%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • USCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • 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 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.
  • The Debt to FCF ratio of USCB (0.79) is better than 72.58% of its industry peers.
  • A Debt/Equity ratio of 0.19 indicates that USCB is not too dependend on debt financing.
  • The Debt to Equity ratio of USCB (0.19) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 0.79
Altman-Z N/A
ROIC/WACCN/A
WACC14.66%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. Growth

3.1 Past

  • USCB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 37.40%, which is quite impressive.
  • The Earnings Per Share has been growing by 28.44% on average over the past years. This is a very strong growth
  • USCB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.13%.
  • USCB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.67% yearly.
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

  • Based on estimates for the next years, USCB will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.55% on average per year.
  • Based on estimates for the next years, USCB will show a quite strong growth in Revenue. The Revenue will grow by 12.10% on average per year.
EPS Next Y30.85%
EPS Next 2Y19.55%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year15.23%
Revenue Next 2Y12.1%
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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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 11.76, the valuation of USCB can be described as very reasonable.
  • Based on the Price/Earnings ratio, USCB is valued a bit cheaper than the industry average as 66.58% of the companies are valued more expensively.
  • USCB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.25.
  • With a Price/Forward Earnings ratio of 8.99, the valuation of USCB can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, USCB is valued cheaply inside the industry as 84.86% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.50, USCB is valued rather cheaply.
Industry RankSector Rank
PE 11.76
Fwd PE 8.99
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

  • Based on the Price/Free Cash Flow ratio, USCB is valued cheaply inside the industry as 86.42% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.27
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.
  • A more expensive valuation may be justified as USCB's earnings are expected to grow with 19.55% in the coming years.
PEG (NY)0.38
PEG (5Y)0.41
EPS Next 2Y19.55%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • USCB has a Yearly Dividend Yield of 2.27%.
  • Compared to an average industry Dividend Yield of 2.64, USCB is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, USCB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.27%

5.2 History

  • USCB has paid a dividend for less than 5 years, so there is no long track record yet.
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 2026 0 0 0 0 0

5.3 Sustainability

  • 21.83% of the earnings are spent on dividend by USCB. This is a low number and sustainable payout ratio.
DP21.83%
EPS Next 2Y19.55%
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 -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 (2/5/2026, 5:20:01 PM)

After market: 19.87 0 (0%)

19.87

+0.07 (+0.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners53.18%
Inst Owner Change-0.14%
Ins Owners2.89%
Ins Owner Change-55.58%
Market Cap359.85M
Revenue(TTM)90.22M
Net Income(TTM)31.64M
Analysts80
Price Target21.73 (9.36%)
Short Float %0.95%
Short Ratio2.58
Dividend
Industry RankSector Rank
Dividend Yield 2.27%
Yearly Dividend0.2
Dividend Growth(5Y)N/A
DP21.83%
Div Incr Years0
Div Non Decr Years1
Ex-Date02-17
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)0%
PT rev (3m)2.65%
EPS NQ rev (1m)-15.71%
EPS NQ rev (3m)-29.63%
EPS NY rev (1m)0%
EPS NY rev (3m)10.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.21%
Valuation
Industry RankSector Rank
PE 11.76
Fwd PE 8.99
P/S 3.78
P/FCF 7.27
P/OCF 7.23
P/B 1.72
P/tB 1.72
EV/EBITDA N/A
EPS(TTM)1.69
EY8.51%
EPS(NY)2.21
Fwd EY11.13%
FCF(TTM)2.73
FCFY13.76%
OCF(TTM)2.75
OCFY13.83%
SpS5.26
BVpS11.55
TBVpS11.55
PEG (NY)0.38
PEG (5Y)0.41
Graham Number20.95
Profitability
Industry RankSector 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)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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-Score7
Asset Turnover0.03
Health
Industry RankSector 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
WACC14.66%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
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 Y30.85%
EPS Next 2Y19.55%
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 Year15.23%
Revenue Next 2Y12.1%
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 1Y60.32%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y59.69%
OCF growth 3YN/A
OCF growth 5YN/A

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 11.76 and the Price/Book (PB) ratio is 1.72.


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 30.85% in the next year.