USCB Financial Holdings Statistics
Total Valuation
USCB has a market cap or net worth of $368.19 million. The enterprise value is $546.88 million.
| Market Cap | 368.19M |
| Enterprise Value | 546.88M |
Important Dates
The last earnings date was Thursday, October 22, 2026, after market close.
| Earnings Date | Oct 22, 2026 |
| Ex-Dividend Date | Nov 16, 2026 |
Share Statistics
USCB has 18.47 million shares outstanding. The number of shares has decreased by -8.11% in one year.
| Current Share Class | 18.47M |
| Shares Outstanding | 18.47M |
| Shares Change (YoY) | -8.11% |
| Shares Change (QoQ) | +0.83% |
| Owned by Insiders (%) | 3.67% |
| Owned by Institutions (%) | 76.40% |
| Float | 15.23M |
Valuation Ratios
The trailing PE ratio is 12.53 and the forward PE ratio is 9.62.
| PE Ratio | 12.53 |
| Forward PE | 9.62 |
| PS Ratio | 3.81 |
| Forward PS | 3.21 |
| PB Ratio | 1.61 |
| P/TBV Ratio | 1.61 |
| P/FCF Ratio | 7.50 |
| P/OCF Ratio | 7.35 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 18.65 |
| EV / Sales | 5.66 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.14 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 1.18 |
| Debt / EBITDA | n/a |
| Debt / FCF | 5.53 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 13.37%.
| Return on Equity (ROE) | 13.37% |
| Return on Assets (ROA) | 1.01% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 4.01% |
| Revenue Per Employee | $434,887 |
| Profits Per Employee | $132,072 |
| Employee Count | 222 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, USCB has paid $10.54 million in taxes.
| Income Tax | 10.54M |
| Effective Tax Rate | 26.45% |
Stock Price Statistics
The stock price has increased by +16.20% in the last 52 weeks. The beta is 0.49, so USCB's price volatility has been lower than the market average.
| Beta (5Y) | 0.49 |
| 52-Week Price Change | +16.20% |
| 50-Day Moving Average | 22.09 |
| 200-Day Moving Average | 20.28 |
| Relative Strength Index (RSI) | 33.53 |
| Average Volume (20 Days) | 83,454 |
Short Selling Information
The latest short interest is 244,988, so 1.33% of the outstanding shares have been sold short.
| Short Interest | 244,988 |
| Short Previous Month | 272,093 |
| Short % of Shares Out | 1.33% |
| Short % of Float | 1.61% |
| Short Ratio (days to cover) | 3.21 |
Income Statement
In the last 12 months, USCB had revenue of $96.55 million and earned $29.32 million in profits. Earnings per share was $1.59.
| Revenue | 96.55M |
| Gross Profit | 96.55M |
| Operating Income | 41.58M |
| Pretax Income | 39.86M |
| Net Income | 29.32M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.59 |
Balance Sheet
The company has $92.73 million in cash and $271.41 million in debt, with a net cash position of -$178.69 million or -$9.68 per share.
| Cash & Cash Equivalents | 92.73M |
| Total Debt | 271.41M |
| Net Cash | -178.69M |
| Net Cash Per Share | -$9.68 |
| Equity (Book Value) | 229.36M |
| Book Value Per Share | 12.42 |
| Working Capital | -2.35B |
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 | 43.07% |
| Pretax Margin | 41.29% |
| Profit Margin | 30.37% |
| 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 2.51%.
| Dividend Per Share | $0.50 |
| Dividend Yield | 2.51% |
| Dividend Growth (YoY) | 25.00% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 31.43% |
| FCF Payout Ratio | 18.81% |
| Buyback Yield | 8.11% |
| Shareholder Yield | 10.62% |
| Earnings Yield | 7.98% |
| FCF Yield | 13.33% |
Analyst Forecast
The average price target for USCB is $23.25, which is 16.60% higher than the current price. The consensus rating is "Buy".
| Price Target | $23.25 |
| Price Target Difference | 16.60% |
| Analyst Consensus | Buy |
| Analyst Count | 5 |
| Revenue Growth Forecast (3Y) | 12.37% |
| EPS Growth Forecast (3Y) | 13.92% |
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 |