USCB Financial Holdings, Inc. (USCB)

USCB Financial Holdings Statistics

Total Valuation

USCB has a market cap or net worth of $330.28 million. The enterprise value is $345.29 million.

Market Cap	330.28M
Enterprise Value	345.29M

Important Dates

The last earnings date was Thursday, April 23, 2026, after market close.

Earnings Date	Apr 23, 2026
Ex-Dividend Date	May 15, 2026

Share Statistics

USCB has 18.26 million shares outstanding. The number of shares has decreased by -4.01% in one year.

Current Share Class	18.26M
Shares Outstanding	18.26M
Shares Change (YoY)	-4.01%
Shares Change (QoQ)	+0.57%
Owned by Insiders (%)	3.63%
Owned by Institutions (%)	68.92%
Float	14.67M

Valuation Ratios

The trailing PE ratio is 12.47 and the forward PE ratio is 8.89.

PE Ratio	12.47
Forward PE	8.89
PS Ratio	3.64
Forward PS	2.92
PB Ratio	1.49
P/TBV Ratio	1.49
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	12.42
EV / Sales	3.79
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 12.40%.

Return on Equity (ROE)	12.40%
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)	5.88%
Revenue Per Employee	$432,095
Profits Per Employee	$131,720
Employee Count	211
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, USCB has paid $9.71 million in taxes.

Income Tax	9.71M
Effective Tax Rate	25.89%

Stock Price Statistics

The stock price has increased by +5.73% 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	+5.73%
50-Day Moving Average	18.92
200-Day Moving Average	18.22
Relative Strength Index (RSI)	34.90
Average Volume (20 Days)	53,105

Short Selling Information

The latest short interest is 132,217, so 0.72% of the outstanding shares have been sold short.

Short Interest	132,217
Short Previous Month	119,411
Short % of Shares Out	0.72%
Short % of Float	0.90%
Short Ratio (days to cover)	3.26

Income Statement

In the last 12 months, USCB had revenue of $91.17 million and earned $27.79 million in profits. Earnings per share was $1.45.

Revenue	91.17M
Gross Profit	91.17M
Operating Income	39.20M
Pretax Income	37.50M
Net Income	27.79M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.45

Balance Sheet

The company has $78.96 million in cash and $92.34 million in debt, with a net cash position of -$13.38 million or -$0.73 per share.

Cash & Cash Equivalents	78.96M
Total Debt	92.34M
Net Cash	-13.38M
Net Cash Per Share	-$0.73
Equity (Book Value)	223.25M
Book Value Per Share	12.23
Working Capital	-2.41B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	43.00%
Pretax Margin	41.14%
Profit Margin	30.48%
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 2.76%.

Dividend Per Share	$0.50
Dividend Yield	2.76%
Dividend Growth (YoY)	50.00%
Years of Dividend Growth	2
Payout Ratio	31.03%
Buyback Yield	4.01%
Shareholder Yield	6.78%
Earnings Yield	8.37%
FCF Yield	n/a

Analyst Forecast

The average price target for USCB is $23.00, which is 27.14% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$23.00
Price Target Difference	27.14%
Analyst Consensus	Strong Buy
Analyst Count	2
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