USCB Financial Holdings Statistics
Total Valuation
USCB has a market cap or net worth of $331.36 million. The enterprise value is $495.98 million.
Important Dates
The next estimated earnings date is Thursday, April 23, 2026, after market close.
| Earnings Date | Apr 23, 2026 |
| Ex-Dividend Date | Feb 17, 2026 |
Share Statistics
USCB has 18.26 million shares outstanding. The number of shares has decreased by -0.91% in one year.
| Current Share Class | 18.26M |
| Shares Outstanding | 18.26M |
| Shares Change (YoY) | -0.91% |
| Shares Change (QoQ) | -7.12% |
| Owned by Insiders (%) | 3.65% |
| Owned by Institutions (%) | 68.60% |
| Float | 14.67M |
Valuation Ratios
The trailing PE ratio is 13.65 and the forward PE ratio is 8.94.
| PE Ratio | 13.65 |
| Forward PE | 8.94 |
| PS Ratio | 3.77 |
| Forward PS | 2.98 |
| PB Ratio | 1.52 |
| P/TBV Ratio | 1.53 |
| P/FCF Ratio | 7.80 |
| P/OCF Ratio | 7.74 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 19.00 |
| EV / Sales | 5.64 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.67 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 5.01 |
| 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) | 4.58% |
| 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 decreased by -6.10% 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 | -6.10% |
| 50-Day Moving Average | 19.16 |
| 200-Day Moving Average | 17.84 |
| Relative Strength Index (RSI) | 42.28 |
| Average Volume (20 Days) | 48,584 |
Short Selling Information
The latest short interest is 95,424, so 0.52% of the outstanding shares have been sold short.
| Short Interest | 95,424 |
| Short Previous Month | 84,265 |
| Short % of Shares Out | 0.52% |
| Short % of Float | 0.65% |
| Short Ratio (days to cover) | 1.68 |
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 |
Full Income StatementBalance Sheet
The company has $48.24 million in cash and $212.86 million in debt, with a net cash position of -$164.61 million or -$9.02 per share.
| Cash & Cash Equivalents | 48.24M |
| Total Debt | 212.86M |
| Net Cash | -164.61M |
| Net Cash Per Share | -$9.02 |
| Equity (Book Value) | 217.18M |
| Book Value Per Share | 11.97 |
| Working Capital | -2.45B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $42.81 million and capital expenditures -$303,000, giving a free cash flow of $42.50 million.
| Operating Cash Flow | 42.81M |
| Capital Expenditures | -303,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | 34.55M |
| Free Cash Flow | 42.50M |
| FCF Per Share | $2.33 |
Full Cash Flow StatementMargins
| 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 | 48.34% |
Dividends & Yields
This stock pays an annual dividend of $0.50, which amounts to a dividend yield of 2.75%.
| Dividend Per Share | $0.50 |
| Dividend Yield | 2.75% |
| Dividend Growth (YoY) | 70.00% |
| Years of Dividend Growth | 2 |
| Payout Ratio | 31.95% |
| Buyback Yield | 0.91% |
| Shareholder Yield | 3.67% |
| Earnings Yield | 7.88% |
| FCF Yield | 12.83% |
Dividend DetailsAnalyst Forecast
The average price target for USCB is $22.00, which is 21.21% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $22.00 |
| Price Target Difference | 21.21% |
| Analyst Consensus | Strong 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 | |
| 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 |
