USCB Financial Holdings, Inc. (USCB)

USCB Financial Holdings Statistics

Total Valuation

USCB has a market cap or net worth of $360.40 million. The enterprise value is $519.47 million.

Market Cap	360.40M
Enterprise Value	519.47M

Important Dates

The last earnings date was Thursday, January 22, 2026, after market close.

Earnings Date	Jan 22, 2026
Ex-Dividend Date	Feb 17, 2026

Share Statistics

USCB has 18.14 million shares outstanding. The number of shares has decreased by -0.91% in one year.

Current Share Class	18.14M
Shares Outstanding	18.14M
Shares Change (YoY)	-0.91%
Shares Change (QoQ)	-7.12%
Owned by Insiders (%)	3.68%
Owned by Institutions (%)	67.04%
Float	14.37M

Valuation Ratios

The trailing PE ratio is 14.94 and the forward PE ratio is 9.78.

PE Ratio	14.94
Forward PE	9.78
PS Ratio	4.39
Forward PS	3.15
PB Ratio	1.66
P/TBV Ratio	1.66
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	19.90
EV / Sales	5.91
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

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

Financial Efficiency

Return on equity (ROE) is 12.07%.

Return on Equity (ROE)	12.07%
Return on Assets (ROA)	0.97%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	4.86%
Revenue Per Employee	$431,005
Profits Per Employee	$127,941
Employee Count	204
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, USCB has paid $9.82 million in taxes.

Income Tax	9.82M
Effective Tax Rate	27.33%

Stock Price Statistics

The stock price has increased by +1.79% in the last 52 weeks. The beta is 0.59, so USCB's price volatility has been lower than the market average.

Beta (5Y)	0.59
52-Week Price Change	+1.79%
50-Day Moving Average	18.94
200-Day Moving Average	17.54
Relative Strength Index (RSI)	56.93
Average Volume (20 Days)	53,287

Short Selling Information

The latest short interest is 109,543, so 0.60% of the outstanding shares have been sold short.

Short Interest	109,543
Short Previous Month	100,723
Short % of Shares Out	0.60%
Short % of Float	0.76%
Short Ratio (days to cover)	3.01

Income Statement

In the last 12 months, USCB had revenue of $87.93 million and earned $26.10 million in profits. Earnings per share was $1.33.

Revenue	87.93M
Gross Profit	87.93M
Operating Income	37.55M
Pretax Income	35.92M
Net Income	26.10M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.33

Balance Sheet

The company has $38.48 million in cash and $197.55 million in debt, with a net cash position of -$159.07 million or -$8.77 per share.

Cash & Cash Equivalents	38.48M
Total Debt	197.55M
Net Cash	-159.07M
Net Cash Per Share	-$8.77
Equity (Book Value)	217.18M
Book Value Per Share	11.97
Working Capital	-2.31B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	42.71%
Pretax Margin	40.85%
Profit Margin	29.68%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.50, which amounts to a dividend yield of 2.53%.

Dividend Per Share	$0.50
Dividend Yield	2.53%
Dividend Growth (YoY)	70.00%
Years of Dividend Growth	2
Payout Ratio	31.95%
Buyback Yield	0.91%
Shareholder Yield	3.43%
Earnings Yield	7.24%
FCF Yield	n/a

Analyst Forecast

The average price target for USCB is $22.00, which is 10.72% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$22.00
Price Target Difference	10.72%
Analyst Consensus	Strong Buy
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	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	2