USCB Financial Holdings, Inc. USCB
19.94 USD +0.10 (+0.50%)
At closeNov 4, 2026, 4:01 PM EST
19.94 0.00 0.00%
After hours · Nov 4, 4:01 PM ET
19.90 Day range 21.42
17.03 52-week range 23.89
- YTD
- +8.25%
- 1 year
- +14.80%
Financial health
Altman Z-Score
0.17 Distress zone
Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.
Piotroski F-Score
6 / 9 Average
Nine pass/fail tests of profitability, leverage and efficiency.
FMP rating
B3 / 5 overall
- DCF 4
- Return on Equity 4
- Return on Assets 3
- Debt / Equity 2
- P/E 2
- P/B 2
Valuation
P/E 13.7×
FY 2019 5y median 13.7× FY 2025
P/S 2.2×
FY 2019 5y median 2.4× FY 2025
P/B 1.6×
FY 2019 5y median 1.3× FY 2025
P/FCF 7.9×
FY 2019 5y median 10.3× FY 2025
EV/EBITDA 9.4×
FY 2019 5y median 9.6× FY 2025
EV/Sales 2.2×
FY 2019 5y median 3.3× FY 2025
FCF Yield 12.7%
FY 2019 5y median 9.7% FY 2025
Profitability
Gross Margin 58.1%
FY 2019 5y median 58.7% FY 2025
Operating Margin 23.6%
FY 2019 5y median 23.6% FY 2025
Net Margin 17.2%
FY 2019 5y median 17.2% FY 2025
ROE 12.3%
FY 2019 5y median 11.0% FY 2025
ROIC 10.5%
FY 2019 5y median 8.3% FY 2025
ROA 0.9%
FY 2019 5y median 1.0% FY 2025
Growth (YoY)
Revenue 5.6%
FY 2019 FY 2025
Operating Income 10.6%
FY 2019 FY 2025
EPS (diluted) 4.8%
FY 2019 FY 2025
Free Cash Flow 25.8%
FY 2019 FY 2025
Financial Health
Current Ratio 0.0×
FY 2019 5y median 0.0× FY 2025
Quick Ratio 0.0×
FY 2019 5y median 0.0× FY 2025
Debt / Equity 0.4×
FY 2019 5y median 0.4× FY 2025
Net Debt / EBITDA 0.2×
FY 2019 5y median 0.2× FY 2025
Interest Coverage 0.6×
FY 2019 5y median 0.6× FY 2025
Dividends
Dividend Yield 2.3%
FY 2019 5y median 0.8% FY 2025
Payout Ratio 30.0%
FY 2019 5y median 9.9% FY 2025
Annual · latest fiscal year ends 2025-12-31