USCB Financial Holdings Statistics
Total Valuation
USCB has a market cap or net worth of $333.81 million. The enterprise value is $349.46 million.
Important Dates
The next estimated earnings date is Thursday, July 24, 2025, after market close.
| Earnings Date | Jul 24, 2025 |
| Ex-Dividend Date | May 15, 2025 |
Share Statistics
USCB has 20.05 million shares outstanding. The number of shares has increased by 1.83% in one year.
| Current Share Class | 20.05M |
| Shares Outstanding | 20.05M |
| Shares Change (YoY) | +1.83% |
| Shares Change (QoQ) | +0.67% |
| Owned by Insiders (%) | 3.06% |
| Owned by Institutions (%) | 57.94% |
| Float | 13.67M |
Valuation Ratios
The trailing PE ratio is 11.93 and the forward PE ratio is 10.26.
| PE Ratio | 11.93 |
| Forward PE | 10.26 |
| PS Ratio | 3.86 |
| Forward PS | 3.30 |
| PB Ratio | 1.47 |
| P/TBV Ratio | 1.47 |
| P/FCF Ratio | 8.22 |
| P/OCF Ratio | 8.17 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 12.61 |
| EV / Sales | 4.14 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 8.66 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 3.06 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 13.20%.
| Return on Equity (ROE) | 13.20% |
| Return on Assets (ROA) | 1.07% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $424,407 |
| Profits Per Employee | $139,296 |
| Employee Count | 199 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, USCB has paid $8.82 million in taxes.
| Income Tax | 8.82M |
| Effective Tax Rate | 24.13% |
Stock Price Statistics
The stock price has increased by +29.03% in the last 52 weeks. The beta is 0.62, so USCB's price volatility has been lower than the market average.
| Beta (5Y) | 0.62 |
| 52-Week Price Change | +29.03% |
| 50-Day Moving Average | 16.72 |
| 200-Day Moving Average | 17.44 |
| Relative Strength Index (RSI) | 52.61 |
| Average Volume (20 Days) | 23,783 |
Short Selling Information
The latest short interest is 84,768, so 0.42% of the outstanding shares have been sold short.
| Short Interest | 84,768 |
| Short Previous Month | 85,984 |
| Short % of Shares Out | 0.42% |
| Short % of Float | 0.62% |
| Short Ratio (days to cover) | 3.93 |
Income Statement
In the last 12 months, USCB had revenue of $84.46 million and earned $27.72 million in profits. Earnings per share was $1.39.
| Revenue | 84.46M |
| Gross Profit | 84.46M |
| Operating Income | 38.29M |
| Pretax Income | 20.14M |
| Net Income | 27.72M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.39 |
Full Income StatementBalance Sheet
The company has $105.98 million in cash and $123.55 million in debt, giving a net cash position of -$17.56 million or -$0.88 per share.
| Cash & Cash Equivalents | 105.98M |
| Total Debt | 123.55M |
| Net Cash | -17.56M |
| Net Cash Per Share | -$0.88 |
| Equity (Book Value) | 225.09M |
| Book Value Per Share | 11.23 |
| Working Capital | -2.22B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $40.63 million and capital expenditures -$269,000, giving a free cash flow of $40.36 million.
| Operating Cash Flow | 40.63M |
| Capital Expenditures | -269,000 |
| Free Cash Flow | 40.36M |
| FCF Per Share | $2.01 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 45.34% |
| Pretax Margin | 43.26% |
| Profit Margin | 32.82% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 47.78% |
Dividends & Yields
This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 2.41%.
| Dividend Per Share | $0.40 |
| Dividend Yield | 2.41% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | 1 |
| Payout Ratio | 21.58% |
| Buyback Yield | -1.83% |
| Shareholder Yield | 0.58% |
| Earnings Yield | 8.35% |
| FCF Yield | 12.16% |
Dividend DetailsAnalyst Forecast
The average price target for USCB is $20.50, which is 23.12% higher than the current price. The consensus rating is "Buy".
| Price Target | $20.50 |
| Price Target Difference | 23.12% |
| Analyst Consensus | 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 | n/a |
| Lynch Upside | n/a |
| 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 |
