USCB Financial Holdings Statistics
Total Valuation
USCB has a market cap or net worth of $411.43 million. The enterprise value is $586.08 million.
| Market Cap | 411.43M |
| Enterprise Value | 586.08M |
Important Dates
The last earnings date was Thursday, July 23, 2026, after market close.
| Earnings Date | Jul 23, 2026 |
| Ex-Dividend Date | Aug 17, 2026 |
Share Statistics
USCB has 18.47 million shares outstanding. The number of shares has decreased by -6.98% in one year.
| Current Share Class | 18.47M |
| Shares Outstanding | 18.47M |
| Shares Change (YoY) | -6.98% |
| Shares Change (QoQ) | +0.30% |
| Owned by Insiders (%) | 3.70% |
| Owned by Institutions (%) | 76.16% |
| Float | 15.24M |
Valuation Ratios
The trailing PE ratio is 14.51 and the forward PE ratio is 9.95.
| PE Ratio | 14.51 |
| Forward PE | 9.95 |
| PS Ratio | 4.35 |
| Forward PS | 3.45 |
| PB Ratio | 1.76 |
| P/TBV Ratio | 1.76 |
| P/FCF Ratio | 8.38 |
| P/OCF Ratio | 8.22 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 20.40 |
| EV / Sales | 6.20 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.94 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 6.10 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 12.36%.
| Return on Equity (ROE) | 12.36% |
| Return on Assets (ROA) | 1.00% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 3.94% |
| Revenue Per Employee | $460,873 |
| Profits Per Employee | $140,151 |
| Employee Count | 205 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, USCB has paid $10.75 million in taxes.
| Income Tax | 10.75M |
| Effective Tax Rate | 27.22% |
Stock Price Statistics
The stock price has increased by +28.36% in the last 52 weeks. The beta is 0.46, so USCB's price volatility has been lower than the market average.
| Beta (5Y) | 0.46 |
| 52-Week Price Change | +28.36% |
| 50-Day Moving Average | 21.19 |
| 200-Day Moving Average | 19.41 |
| Relative Strength Index (RSI) | 55.65 |
| Average Volume (20 Days) | 54,120 |
Short Selling Information
The latest short interest is 227,748, so 1.23% of the outstanding shares have been sold short.
| Short Interest | 227,748 |
| Short Previous Month | 224,211 |
| Short % of Shares Out | 1.23% |
| Short % of Float | 1.49% |
| Short Ratio (days to cover) | 4.41 |
Income Statement
In the last 12 months, USCB had revenue of $94.48 million and earned $28.73 million in profits. Earnings per share was $1.54.
| Revenue | 94.48M |
| Gross Profit | 94.48M |
| Operating Income | 41.18M |
| Pretax Income | 39.48M |
| Net Income | 28.73M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.54 |
Balance Sheet
The company has $124.86 million in cash and $299.52 million in debt, with a net cash position of -$174.66 million or -$9.45 per share.
| Cash & Cash Equivalents | 124.86M |
| Total Debt | 299.52M |
| Net Cash | -174.66M |
| Net Cash Per Share | -$9.45 |
| Equity (Book Value) | 233.24M |
| Book Value Per Share | 12.64 |
| Working Capital | -2.57B |
Cash Flow
In the last 12 months, operating cash flow was $50.06 million and capital expenditures -$971,000, giving a free cash flow of $49.09 million.
| Operating Cash Flow | 50.06M |
| Capital Expenditures | -971,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | 172.20M |
| Free Cash Flow | 49.09M |
| FCF Per Share | $2.66 |
Margins
| Gross Margin | n/a |
| Operating Margin | 43.59% |
| Pretax Margin | 41.79% |
| Profit Margin | 30.41% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 51.96% |
Dividends & Yields
This stock pays an annual dividend of $0.50, which amounts to a dividend yield of 2.25%.
| Dividend Per Share | $0.50 |
| Dividend Yield | 2.25% |
| Dividend Growth (YoY) | 35.71% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 30.94% |
| Buyback Yield | 6.98% |
| Shareholder Yield | 9.22% |
| Earnings Yield | 6.98% |
| FCF Yield | 11.93% |
Analyst Forecast
The average price target for USCB is $24.35, which is 9.34% higher than the current price. The consensus rating is "Buy".
| Price Target | $24.35 |
| Price Target Difference | 9.34% |
| Analyst Consensus | Buy |
| Analyst Count | 5 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | n/a |
Fair 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 |