USCB Financial Holdings (USCB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

USCB Financial Holdings

NasdaqGM•Financial Services•Banks - Regional

$23.18+0.08(<0.01%)After hours

Market Cap

$420.70M

P/E

14.6x

P/S

2.6x

P/B

1.8x

USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various personal and business banking products and services in the United States. The company offers small business administration and yacht lending services; homeowners association services, including deposit collection, lockbox services, payment services, and lending products; jurist advantage and private client group services; correspondent banking services for banks in certain Latin America and the Caribbean countries. It also provides deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, and certificates of deposit; treasury, commercial payment, and cash management services; insured cash sweep and certificate of deposit account registry services; and clients title insurance policies for real estate transactions. The company was founded in 2002 and is headquartered in Doral, Florida.

How this company scores

WeakMetricSide Score: 59/100

Grade capped at D — Interest coverage below 1× (0.8x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (23/25); weakest: Balance Sheet & Red Flags (6/25).

Profitability17/25

Growth13/25

Balance Sheet & Red Flags6/25

Cash & Earnings Quality23/25

Strengths

Rising free cash flowStrong marginsCash-backed earningsConsistent growth

Grade capped at D

Interest coverage below 1× (0.8x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 14.6x5y range 7.1x – 14.6x

Currently near its 16-quarter median.

P/S · 2.6x5y range 1.9x – 3.2x

Currently near its 16-quarter median.

P/B · 1.8x5y range 1.1x – 1.8x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Margin Pressure

Watch

Operating margins declined 6.5% — watch for continued compression, which may signal competitive or cost pressure.

Leverage Risk

Watch

Debt-to-equity has risen 157.7% recently — increasing financial risk even if the current ratio is manageable.

Price & Volume

Market Cap $420.70M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $159.18M
Q. Revenue: $43.14M
TTM EBITDA: $40.15M
TTM Op. Income: $39.48M
Q. Op. Income: $12.71M
TTM Net Income: $28.73M
Q. Net Income: $9.08M
EPS: $0.49
Shares Out.: $18.35M

$159.18M in TTM revenue grew 4.7% YoY, reaching $43.14M last quarter. TTM EBITDA of $40.15M and TTM operating income of $39.48M show growth is flowing through to the bottom line. TTM net income of $28.73M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 64.8%
EBITDA Margin: 29.9%
Op. Margin: 29.5%
Net Margin: 21.0%

Op. margin of 29.5% is up 2.3% YoY — cost efficiency is improving. Net margin at 21.0% and gross margin of 64.8% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 14.6x
P/S Ratio: 2.6x
P/B Ratio: 1.8x

At 14.6x P/E, the stock trades below typical market levels. P/S of 2.6x and P/B of 1.8x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 31% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.02B
Cash: $118.15M
Long-Term Debt: $280.28M
Book Value: $233.24M
D/E Ratio: 1.2
Debt/EBITDA: 21.7

With $3.02B in assets and $280.28M in long-term debt, D/E is 1.2and book value is $233.24M — moderate leverage. Over the past year, debt/equity is up 158% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $24.65M
TTM Free Cash Flow: $49.09M
FCF Margin: 30.8%
FCF / Net Income: 1.7

TTM FCF of $49.09M on $24.65M in operating cash flow. The FCF / Net Income ratio of 1.7x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.