USCB Financial Holdings Statistics
Total Valuation
USCB has a market cap or net worth of $344.82 million. The enterprise value is $344.63 million.
Important Dates
The next estimated earnings date is Thursday, January 22, 2026, after market close.
| Earnings Date | Jan 22, 2026 |
| 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 (%) | 3.45% |
| Owned by Institutions (%) | 67.38% |
| Float | 14.38M |
Valuation Ratios
The trailing PE ratio is 12.13 and the forward PE ratio is 9.06.
| PE Ratio | 12.13 |
| Forward PE | 9.06 |
| PS Ratio | 4.13 |
| Forward PS | 3.07 |
| PB Ratio | 1.66 |
| P/TBV Ratio | 1.65 |
| P/FCF Ratio | 7.05 |
| P/OCF Ratio | 7.01 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 10.89 |
| EV / Sales | 3.73 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 7.05 |
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 increased by +11.28% 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 | +11.28% |
| 50-Day Moving Average | 17.94 |
| 200-Day Moving Average | 17.35 |
| Relative Strength Index (RSI) | 58.03 |
| Average Volume (20 Days) | 48,597 |
Short Selling Information
The latest short interest is 109,862, so 0.61% of the outstanding shares have been sold short.
| Short Interest | 109,862 |
| Short Previous Month | 114,197 |
| Short % of Shares Out | 0.61% |
| Short % of Float | 0.76% |
| Short Ratio (days to cover) | 3.24 |
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 2.10%.
| Dividend Per Share | $0.40 |
| Dividend Yield | 2.10% |
| Dividend Growth (YoY) | 100.00% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 25.48% |
| Buyback Yield | -1.92% |
| Shareholder Yield | 0.12% |
| Earnings Yield | 9.17% |
| FCF Yield | 14.18% |
Dividend DetailsAnalyst Forecast
The average price target for USCB is $22.00, which is 15.55% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $22.00 |
| Price Target Difference | 15.55% |
| 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 |
