USCB Financial Holdings Statistics
Total Valuation
USCB has a market cap or net worth of $340.07 million. The enterprise value is $358.13 million.
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 (%) | 3.62% |
| Owned by Institutions (%) | 74.55% |
| Float | 14.76M |
Valuation Ratios
The trailing PE ratio is 12.84 and the forward PE ratio is 9.15.
| PE Ratio | 12.84 |
| Forward PE | 9.15 |
| PS Ratio | 3.73 |
| Forward PS | 2.99 |
| PB Ratio | 1.52 |
| P/TBV Ratio | 1.52 |
| P/FCF Ratio | 7.93 |
| P/OCF Ratio | 7.83 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 12.89 |
| EV / Sales | 3.93 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 8.35 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.47 |
| 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) | 5.45% |
| Revenue Per Employee | $444,741 |
| Profits Per Employee | $135,576 |
| Employee Count | 205 |
| 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 +10.64% in the last 52 weeks. The beta is 0.53, so USCB's price volatility has been lower than the market average.
| Beta (5Y) | 0.53 |
| 52-Week Price Change | +10.64% |
| 50-Day Moving Average | 18.75 |
| 200-Day Moving Average | 18.30 |
| Relative Strength Index (RSI) | 51.30 |
| Average Volume (20 Days) | 85,061 |
Short Selling Information
The latest short interest is 144,143, so 0.79% of the outstanding shares have been sold short.
| Short Interest | 144,143 |
| Short Previous Month | 132,217 |
| Short % of Shares Out | 0.79% |
| Short % of Float | 0.98% |
| Short Ratio (days to cover) | 3.12 |
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 |
Full Income StatementBalance Sheet
The company has $87.88 million in cash and $105.93 million in debt, with a net cash position of -$18.05 million or -$0.99 per share.
| Cash & Cash Equivalents | 87.88M |
| Total Debt | 105.93M |
| Net Cash | -18.05M |
| Net Cash Per Share | -$0.99 |
| Equity (Book Value) | 223.25M |
| Book Value Per Share | 12.23 |
| Working Capital | -2.45B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $43.45 million and capital expenditures -$577,000, giving a free cash flow of $42.88 million.
| Operating Cash Flow | 43.45M |
| Capital Expenditures | -577,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | -15.70M |
| Free Cash Flow | 42.88M |
| FCF Per Share | $2.35 |
Full Cash Flow StatementMargins
| 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 | 47.03% |
Dividends & Yields
This stock pays an annual dividend of $0.50, which amounts to a dividend yield of 2.69%.
| Dividend Per Share | $0.50 |
| Dividend Yield | 2.69% |
| Dividend Growth (YoY) | 50.00% |
| Years of Dividend Growth | 2 |
| Payout Ratio | 31.03% |
| Buyback Yield | 4.01% |
| Shareholder Yield | 6.70% |
| Earnings Yield | 8.17% |
| FCF Yield | 12.61% |
Dividend DetailsAnalyst Forecast
The average price target for USCB is $21.70, which is 16.54% higher than the current price. The consensus rating is "Buy".
| Price Target | $21.70 |
| Price Target Difference | 16.54% |
| Analyst Consensus | Buy |
| Analyst Count | 5 |
| 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 |
