USCB Financial Holdings Statistics
Total Valuation
USCB has a market cap or net worth of $320.70 million. The enterprise value is $319.73 million.
Important Dates
The last earnings date was Thursday, October 23, 2025, after market close.
| Earnings Date | Oct 23, 2025 |
| Ex-Dividend Date | Nov 14, 2025 |
Share Statistics
USCB has 18.11 million shares outstanding. The number of shares has increased by 1.92% in one year.
| Current Share Class | 18.11M |
| Shares Outstanding | 18.11M |
| Shares Change (YoY) | +1.92% |
| Shares Change (QoQ) | -2.66% |
| Owned by Insiders (%) | 3.41% |
| Owned by Institutions (%) | 66.86% |
| Float | 14.21M |
Valuation Ratios
The trailing PE ratio is 11.42 and the forward PE ratio is 8.83.
| PE Ratio | 11.42 |
| Forward PE | 8.83 |
| PS Ratio | 3.85 |
| Forward PS | 2.91 |
| PB Ratio | 1.55 |
| P/TBV Ratio | 1.53 |
| P/FCF Ratio | 6.54 |
| P/OCF Ratio | 6.51 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 10.10 |
| EV / Sales | 3.46 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 6.54 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.36 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 14.96%.
| Return on Equity (ROE) | 14.96% |
| Return on Assets (ROA) | 1.20% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $463,975 |
| Profits Per Employee | $159,000 |
| Employee Count | 199 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, USCB has paid $10.10 million in taxes.
| Income Tax | 10.10M |
| Effective Tax Rate | 24.20% |
Stock Price Statistics
The stock price has decreased by -14.14% in the last 52 weeks. The beta is 0.60, so USCB's price volatility has been lower than the market average.
| Beta (5Y) | 0.60 |
| 52-Week Price Change | -14.14% |
| 50-Day Moving Average | 17.33 |
| 200-Day Moving Average | 17.43 |
| Relative Strength Index (RSI) | 53.75 |
| Average Volume (20 Days) | 32,763 |
Short Selling Information
The latest short interest is 102,177, so 0.56% of the outstanding shares have been sold short.
| Short Interest | 102,177 |
| Short Previous Month | 108,099 |
| Short % of Shares Out | 0.56% |
| Short % of Float | 0.72% |
| Short Ratio (days to cover) | 4.10 |
Income Statement
In the last 12 months, USCB had revenue of $92.33 million and earned $31.64 million in profits. Earnings per share was $1.57.
| Revenue | 92.33M |
| Gross Profit | 92.33M |
| Operating Income | 43.34M |
| Pretax Income | 41.74M |
| Net Income | 31.64M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.57 |
Full Income StatementBalance Sheet
The company has $66.90 million in cash and $66.62 million in debt, giving a net cash position of $279,000 or $0.02 per share.
| Cash & Cash Equivalents | 66.90M |
| Total Debt | 66.62M |
| Net Cash | 279,000 |
| Net Cash Per Share | $0.02 |
| Equity (Book Value) | 209.10M |
| Book Value Per Share | 11.55 |
| Working Capital | -2.42B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $49.17 million and capital expenditures -$266,000, giving a free cash flow of $48.91 million.
| Operating Cash Flow | 49.17M |
| Capital Expenditures | -266,000 |
| Free Cash Flow | 48.91M |
| FCF Per Share | $2.70 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 46.94% |
| Pretax Margin | 45.21% |
| Profit Margin | 34.27% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 52.97% |
Dividends & Yields
This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 2.23%.
| Dividend Per Share | $0.40 |
| Dividend Yield | 2.23% |
| Dividend Growth (YoY) | 100.00% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 25.48% |
| Buyback Yield | -1.92% |
| Shareholder Yield | 0.36% |
| Earnings Yield | 9.89% |
| FCF Yield | 15.28% |
Dividend DetailsAnalyst Forecast
The average price target for USCB is $22.00, which is 24.24% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $22.00 |
| Price Target Difference | 24.24% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 3 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
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 |
