USCB Financial Holdings, Inc. (USCB)
NASDAQ: USCB · Real-Time Price · USD
16.18
-1.69 (-9.46%)
Apr 25, 2025, 4:00 PM EDT - Market closed

USCB Financial Holdings Statistics

Total Valuation

USCB has a market cap or net worth of $324.26 million. The enterprise value is $418.35 million.

Market Cap 324.26M
Enterprise Value 418.35M

Important Dates

The last earnings date was Thursday, April 24, 2025, after market close.

Earnings Date Apr 24, 2025
Ex-Dividend Date May 15, 2025

Share Statistics

USCB has 20.05 million shares outstanding. The number of shares has increased by 0.73% in one year.

Current Share Class 20.05M
Shares Outstanding 20.05M
Shares Change (YoY) +0.73%
Shares Change (QoQ) +1.81%
Owned by Insiders (%) 3.06%
Owned by Institutions (%) 56.33%
Float 13.65M

Valuation Ratios

The trailing PE ratio is 13.04 and the forward PE ratio is 10.04.

PE Ratio 13.04
Forward PE 10.04
PS Ratio 4.00
Forward PS 3.31
PB Ratio 1.50
P/TBV Ratio 1.51
P/FCF Ratio 9.60
P/OCF Ratio 9.51
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 16.96
EV / Sales 5.26
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 12.39

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF 5.28
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 12.11%.

Return on Equity (ROE) 12.11%
Return on Assets (ROA) 1.00%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Revenue Per Employee $399,593
Profits Per Employee $123,990
Employee Count 199
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, USCB has paid $7.80 million in taxes.

Income Tax 7.80M
Effective Tax Rate 24.03%

Stock Price Statistics

The stock price has increased by +55.58% in the last 52 weeks. The beta is 0.65, so USCB's price volatility has been lower than the market average.

Beta (5Y) 0.65
52-Week Price Change +55.58%
50-Day Moving Average 18.17
200-Day Moving Average 17.01
Relative Strength Index (RSI) 36.33
Average Volume (20 Days) 24,896

Short Selling Information

The latest short interest is 116,231, so 0.58% of the outstanding shares have been sold short.

Short Interest 116,231
Short Previous Month 138,470
Short % of Shares Out 0.58%
Short % of Float 0.85%
Short Ratio (days to cover) 2.63

Income Statement

In the last 12 months, USCB had revenue of $79.52 million and earned $24.67 million in profits. Earnings per share was $1.24.

Revenue 79.52M
Gross Profit 79.52M
Operating Income 34.24M
Pretax Income 20.14M
Net Income 24.67M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $1.24
Full Income Statement

Balance Sheet

The company has $84.23 million in cash and $178.32 million in debt, giving a net cash position of -$94.10 million or -$4.69 per share.

Cash & Cash Equivalents 84.23M
Total Debt 178.32M
Net Cash -94.10M
Net Cash Per Share -$4.69
Equity (Book Value) 215.39M
Book Value Per Share 10.81
Working Capital -2.15B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $34.09 million and capital expenditures -$314,000, giving a free cash flow of $33.78 million.

Operating Cash Flow 34.09M
Capital Expenditures -314,000
Free Cash Flow 33.78M
FCF Per Share $1.68
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 43.06%
Pretax Margin 40.84%
Profit Margin 31.03%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 42.48%

Dividends & Yields

This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 2.47%.

Dividend Per Share $0.40
Dividend Yield 2.47%
Dividend Growth (YoY) n/a
Years of Dividend Growth 1
Payout Ratio 32.26%
Buyback Yield -0.73%
Shareholder Yield 1.74%
Earnings Yield 7.61%
FCF Yield 10.42%
Dividend Details

Analyst Forecast

The average price target for USCB is $18.25, which is 12.79% higher than the current price. The consensus rating is "Buy".

Price Target $18.25
Price Target Difference 12.79%
Analyst Consensus Buy
Analyst Count 3
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

Stock Splits

This stock does not have any record of stock splits.

Last Split Date n/a
Split Type n/a
Split Ratio n/a

Scores

Altman Z-Score n/a
Piotroski F-Score 4