USCB Financial Holdings Statistics
Total Valuation
USCB has a market cap or net worth of $337.52 million. The enterprise value is $397.61 million.
Important Dates
The last earnings date was Thursday, July 24, 2025, after market close.
| Earnings Date | Jul 24, 2025 |
| Ex-Dividend Date | Aug 15, 2025 |
Share Statistics
USCB has 20.08 million shares outstanding. The number of shares has increased by 2.45% in one year.
| Current Share Class | 20.08M |
| Shares Outstanding | 20.08M |
| Shares Change (YoY) | +2.45% |
| Shares Change (QoQ) | -0.12% |
| Owned by Insiders (%) | 3.05% |
| Owned by Institutions (%) | 58.18% |
| Float | 13.74M |
Valuation Ratios
The trailing PE ratio is 11.44 and the forward PE ratio is 9.65.
| PE Ratio | 11.44 |
| Forward PE | 9.65 |
| PS Ratio | 3.79 |
| Forward PS | 3.23 |
| PB Ratio | 1.46 |
| P/TBV Ratio | 1.46 |
| P/FCF Ratio | 8.41 |
| P/OCF Ratio | 8.36 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 13.41 |
| EV / Sales | 4.51 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 9.91 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 3.10 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 13.71%.
| Return on Equity (ROE) | 13.71% |
| Return on Assets (ROA) | 1.15% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $442,683 |
| Profits Per Employee | $149,000 |
| Employee Count | 199 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, USCB has paid $9.45 million in taxes.
| Income Tax | 9.45M |
| Effective Tax Rate | 24.17% |
Stock Price Statistics
The stock price has increased by +17.25% in the last 52 weeks. The beta is 0.61, so USCB's price volatility has been lower than the market average.
| Beta (5Y) | 0.61 |
| 52-Week Price Change | +17.25% |
| 50-Day Moving Average | 16.79 |
| 200-Day Moving Average | 17.81 |
| Relative Strength Index (RSI) | 48.81 |
| Average Volume (20 Days) | 18,674 |
Short Selling Information
The latest short interest is 114,402, so 0.57% of the outstanding shares have been sold short.
| Short Interest | 114,402 |
| Short Previous Month | 126,619 |
| Short % of Shares Out | 0.57% |
| Short % of Float | 0.83% |
| Short Ratio (days to cover) | 4.68 |
Income Statement
In the last 12 months, USCB had revenue of $88.09 million and earned $29.65 million in profits. Earnings per share was $1.47.
| Revenue | 88.09M |
| Gross Profit | 88.09M |
| Operating Income | 40.77M |
| Pretax Income | 20.14M |
| Net Income | 29.65M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.47 |
Full Income StatementBalance Sheet
The company has $64.21 million in cash and $124.31 million in debt, giving a net cash position of -$60.09 million or -$2.99 per share.
| Cash & Cash Equivalents | 64.21M |
| Total Debt | 124.31M |
| Net Cash | -60.09M |
| Net Cash Per Share | -$2.99 |
| Equity (Book Value) | 231.58M |
| Book Value Per Share | 11.53 |
| Working Capital | -2.32B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $40.35 million and capital expenditures -$230,000, giving a free cash flow of $40.12 million.
| Operating Cash Flow | 40.35M |
| Capital Expenditures | -230,000 |
| Free Cash Flow | 40.12M |
| FCF Per Share | $2.00 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 46.28% |
| Pretax Margin | 44.38% |
| Profit Margin | 33.66% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 45.54% |
Dividends & Yields
This stock pays an annual dividend of $0.40, which amounts to a dividend yield of 2.38%.
| Dividend Per Share | $0.40 |
| Dividend Yield | 2.38% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | 1 |
| Payout Ratio | 23.81% |
| Buyback Yield | -2.45% |
| Shareholder Yield | -0.15% |
| Earnings Yield | 8.79% |
| FCF Yield | 11.89% |
Dividend DetailsAnalyst Forecast
The average price target for USCB is $20.33, which is 19.66% higher than the current price. The consensus rating is "Buy".
| Price Target | $20.33 |
| Price Target Difference | 19.66% |
| 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 |