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USCB FINANCIAL HOLDINGS INC (USCB) Stock Fundamental Analysis

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

17.11  +0.33 (+1.97%)

After market: 17.11 0 (0%)

Fundamental Rating

5

Taking everything into account, USCB scores 5 out of 10 in our fundamental rating. USCB was compared to 397 industry peers in the Banks industry. Both the profitability and the financial health of USCB get a neutral evaluation. Nothing too spectacular is happening here. USCB is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year USCB was profitable.
In the past year USCB had a positive cash flow from operations.
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.
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

With a decent Return On Assets value of 0.96%, USCB is doing good in the industry, outperforming 62.56% of the companies in the same industry.
The Return On Equity of USCB (11.46%) is better than 79.65% of its industry peers.
Industry RankSector Rank
ROA 0.96%
ROE 11.46%
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

USCB has a Profit Margin of 29.84%. This is amongst the best in the industry. USCB outperforms 81.91% of its industry peers.
In the last couple of years the Profit Margin of USCB has grown nicely.
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) 29.84%
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.
USCB has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, USCB has less shares outstanding
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
WACC14.87%
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 79.22%, which is quite impressive.
Measured over the past years, USCB shows a very strong growth in Earnings Per Share. The EPS has been growing by 23.68% on average per year.
USCB shows a strong growth in Revenue. In the last year, the Revenue has grown by 25.32%.
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)79.22%
EPS 3YN/A
EPS 5Y23.68%
EPS Q2Q%65.22%
Revenue 1Y (TTM)25.32%
Revenue growth 3Y9.37%
Revenue growth 5Y13.06%
Sales Q2Q%29.55%

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 17.26% 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 11.94% on average per year.
EPS Next Y30.2%
EPS Next 2Y17.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.35%
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.
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 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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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.40, USCB is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as USCB.
When comparing the Price/Earnings ratio of USCB to the average of the S&P500 Index (28.18), we can say USCB is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.12, 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 20.81, USCB is valued rather cheaply.
Industry RankSector Rank
PE 12.4
Fwd PE 10.12
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

USCB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. USCB is cheaper than 62.31% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.16
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 17.26% in the coming years.
PEG (NY)0.41
PEG (5Y)0.52
EPS Next 2Y17.26%
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

USCB has a Yearly Dividend Yield of 1.79%.
USCB's Dividend Yield is slightly below the industry average, which is at 3.50.
USCB's Dividend Yield is slightly below the S&P500 average, which is at 2.45.
Industry RankSector Rank
Dividend Yield 1.79%

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 Years0
USCB Yearly Dividends per shareUSCB Yearly Dividends per shareYearly Dividends per share 2024 2025 0.05 0.1 0.15

5.3 Sustainability

15.96% of the earnings are spent on dividend by USCB. This is a low number and sustainable payout ratio.
DP15.96%
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 (5/2/2025, 8:27:09 PM)

After market: 17.11 0 (0%)

17.11

+0.33 (+1.97%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/amc
Earnings (Next)07-23 2025-07-23/amc
Inst Owners42.45%
Inst Owner Change-0.65%
Ins Owners2.62%
Ins Owner Change9.95%
Market Cap343.06M
Analysts76.36
Price Target22.44 (31.15%)
Short Float %1.1%
Short Ratio4.01
Dividend
Industry RankSector Rank
Dividend Yield 1.79%
Yearly Dividend0.2
Dividend Growth(5Y)N/A
DP15.96%
Div Incr Years0
Div Non Decr Years0
Ex-Date05-15 2025-05-15 (0.1)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.37%
Min EPS beat(2)-8.68%
Max EPS beat(2)11.41%
EPS beat(4)3
Avg EPS beat(4)10.18%
Min EPS beat(4)-8.68%
Max EPS beat(4)29.33%
EPS beat(8)4
Avg EPS beat(8)-1.24%
EPS beat(12)4
Avg EPS beat(12)-4.12%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)1.19%
Min Revenue beat(2)0.57%
Max Revenue beat(2)1.81%
Revenue beat(4)4
Avg Revenue beat(4)2.99%
Min Revenue beat(4)0.57%
Max Revenue beat(4)8.99%
Revenue beat(8)4
Avg Revenue beat(8)-2.23%
Revenue beat(12)6
Avg Revenue beat(12)-2.67%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)4.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.27%
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)0%
Revenue NY rev (3m)0.94%
Valuation
Industry RankSector Rank
PE 12.4
Fwd PE 10.12
P/S 4.15
P/FCF 10.16
P/OCF 10.06
P/B 1.59
P/tB 1.59
EV/EBITDA N/A
EPS(TTM)1.38
EY8.07%
EPS(NY)1.69
Fwd EY9.88%
FCF(TTM)1.68
FCFY9.85%
OCF(TTM)1.7
OCFY9.94%
SpS4.12
BVpS10.74
TBVpS10.74
PEG (NY)0.41
PEG (5Y)0.52
Profitability
Industry RankSector Rank
ROA 0.96%
ROE 11.46%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.84%
GM N/A
FCFM 40.85%
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 53.49%
Cap/Sales 0.38%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 136.89%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.87%
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)79.22%
EPS 3YN/A
EPS 5Y23.68%
EPS Q2Q%65.22%
EPS Next Y30.2%
EPS Next 2Y17.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)25.32%
Revenue growth 3Y9.37%
Revenue growth 5Y13.06%
Sales Q2Q%29.55%
Revenue Next Year16.35%
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 1Y50.9%
FCF growth 3Y16.39%
FCF growth 5Y20.18%
OCF growth 1Y51.2%
OCF growth 3Y15.63%
OCF growth 5Y18.91%