19.09 USD
+0.06 (+0.32%)
We assign a fundamental rating of 5 out of 10 to USCB. USCB was compared to 388 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 not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year USCB was profitable.
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 each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.14%, USCB is in the better half of the industry, outperforming 72.68% of the companies in the same industry.
With an excellent Return On Equity value of 15.13%, USCB belongs to the best of the industry, outperforming 93.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.14% | ||
| ROE | 15.13% | ||
| 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 (33.24%) is better than 86.86% of its industry peers.
In the last couple of years the Profit Margin of USCB has grown nicely.
The Operating Margin and Gross Margin are not available for USCB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 33.24% | ||
| 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.
Compared to 1 year ago, USCB has more shares outstanding
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.
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.
USCB's Debt to FCF ratio of 0.79 is fine compared to the rest of the industry. USCB outperforms 72.42% of its industry peers.
A Debt/Equity ratio of 0.19 indicates that USCB is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.19, USCB perfoms like the industry average, outperforming 44.85% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.79 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.76%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 54.37% 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 23.68% on average per year.
USCB shows a strong growth in Revenue. In the last year, the Revenue has grown by 26.24%.
The Revenue has been growing by 13.06% on average over the past years. This is quite good.
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
Based on estimates for the next years, USCB will show a very strong growth in Earnings Per Share. The EPS will grow by 24.08% on average per year.
The Revenue is expected to grow by 13.96% on average over the next years. This is quite good.
EPS Next Y43.36%
EPS Next 2Y32.03%
EPS Next 3Y24.08%
EPS Next 5YN/A
Revenue Next Year19.91%
Revenue Next 2Y16.51%
Revenue Next 3Y13.96%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last 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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.01, USCB is valued correctly.
USCB's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of USCB to the average of the S&P500 Index (26.59), we can say USCB is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.90, the valuation of USCB can be described as reasonable.
Based on the Price/Forward Earnings ratio, USCB is valued a bit cheaper than the industry average as 79.38% of the companies are valued more expensively.
USCB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.03.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.01 | ||
| Fwd PE | 8.9 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, USCB is valued cheaply inside the industry as 85.82% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.98 | ||
| 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.
USCB's earnings are expected to grow with 24.08% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.28
PEG (5Y)0.51
EPS Next 2Y32.03%
EPS Next 3Y24.08%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.02%, USCB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.74, USCB is paying slightly less dividend.
USCB's Dividend Yield is comparable with the S&P500 average which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.02% |
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
USCB pays out 21.83% of its income as dividend. This is a sustainable payout ratio.
DP21.83%
EPS Next 2Y32.03%
EPS Next 3Y24.08%
NASDAQ:USCB (12/26/2025, 9:45:34 AM)
19.09
+0.06 (+0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners53.13%
Inst Owner Change24.59%
Ins Owners2.85%
Ins Owner Change-58.2%
Market Cap345.72M
Revenue(TTM)95.18M
Net Income(TTM)31.64M
Analysts80
Price Target21.27 (11.42%)
Short Float %0.95%
Short Ratio3.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.02% |
Yearly Dividend0.2
Dividend Growth(5Y)N/A
DP21.83%
Div Incr Years0
Div Non Decr Years1
Ex-Date
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)0.48%
PT rev (3m)0.97%
EPS NQ rev (1m)-11.12%
EPS NQ rev (3m)0.09%
EPS NY rev (1m)0.05%
EPS NY rev (3m)6.22%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)2.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.01 | ||
| Fwd PE | 8.9 | ||
| P/S | 3.63 | ||
| P/FCF | 6.98 | ||
| P/OCF | 6.95 | ||
| P/B | 1.65 | ||
| P/tB | 1.65 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.59
EY8.33%
EPS(NY)2.14
Fwd EY11.23%
FCF(TTM)2.73
FCFY14.32%
OCF(TTM)2.75
OCFY14.39%
SpS5.26
BVpS11.55
TBVpS11.55
PEG (NY)0.28
PEG (5Y)0.51
Graham Number20.32
Profitability
| Industry Rank | Sector 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)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-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector 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
WACC14.76%
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 Y43.36%
EPS Next 2Y32.03%
EPS Next 3Y24.08%
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 1Y91.24%
FCF growth 3Y16.39%
FCF growth 5Y20.18%
OCF growth 1Y87.76%
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 12.01 and the Price/Book (PB) ratio is 1.65.
Can you provide the financial health for USCB stock?
The financial health rating of USCB FINANCIAL HOLDINGS INC (USCB) is 3 / 10.