A Business at a Glance
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USCB Financial Holdings, Inc., a Florida corporation (the “Company”), was formed on December 17, 2021, to serve as registered with the Board of Governors of the Reserve System (the “Federal under the Bank Holding Company Act of 1956, as amended (the “BHC Act”). The Company is in Miami, Florida, and, through the banking products and services As of December 31, 2024, the had total of $2.6 U.S. Century Bank (the “Bank”) commenced operations in October 2002 and is a Florida state-chartered, non-Federal and/or repurchasing all of its issued and outstanding preferred shares, including Class C, Class D, and Class E preferred outstanding Class B common stock for Class A common stock in a 1-for-5 stock exchange. On July 27, 2021, the Bank completed an initial public offering of 4,600,000 shares of its Class A common stock. Shares of the Bank’s Class A common stock were sold at a price to the public of $10.00 per share and began trading on the Nasdaq Stock Market under ticker symbol “USCB”.
| Metric | TTM | FY2024 | FY2023 | FY2021 |
|---|---|---|---|---|
| Revenue | 95M | 83M | 66M | 63M |
| Net Income | 32M | 25M | 17M | -71M |
| EPS | $2.36 | $1.23 | $0.84 | $-3.53 |
| Free Cash Flow | 49M | 34M | 22M | 21M |
| ROIC | 0.0% | 17.9% | 34.9% | -34.6% |
| Gross Margin | - | - | - | - |
| Debt/Equity | 0.00 | 10.98 | 11.18 | 8.09 |
| Dividends/Share | $0.38 | $0.20 | - | $0.10 |
| Operating Income | 0 | 34M | 64M | -60M |
| Operating Margin | 0.0% | 41.1% | 97.4% | -94.6% |
| ROE | 15.1% | 12.1% | 8.8% | -37.7% |
| Shares Outstanding | 18M | 20M | 20M | 20M |
| Metric | 2021 | |||
|---|---|---|---|---|
| Income Statement | ||||
| Revenue | 63M | 66M | 83M | 95M |
| Gross Margin | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A |
| EBIT | -60M | 64M | 34M | 0 |
| Op. Margin | -94.6% | 97.4% | 41.1% | 0.0% |
| Net Income | -71M | 17M | 25M | 32M |
| Net Margin | -111.7% | 25.1% | 29.8% | 33.2% |
| Non-Recurring | 983K | 0 | 0 | 0 |
| Returns on Capital | ||||
| ROIC | -34.6% | 34.9% | 17.9% | 0.0% |
| ROE | -37.7% | 8.8% | 12.1% | 15.1% |
| ROA | -4.2% | 0.7% | 1.0% | 149.6% |
| Cash Flow | ||||
| Op. Cash Flow | 22M | 23M | 34M | 50M |
| Free Cash Flow | 21M | 22M | 34M | 49M |
| Owner Earnings | 21M | 21M | 31M | 47M |
| CapEx | 633K | 163K | 314K | 266K |
| Maint. CapEx | 1.0M | 590K | 587K | 587K |
| Growth CapEx | 0 | 0 | 0 | 0 |
| D&A | 1.0M | 590K | 587K | 587K |
| CapEx/OCF | 2.9% | 0.7% | 0.9% | 0.5% |
| Capital Allocation | ||||
| Dividends Paid | 2.1M | 0 | 3.9M | 6.9M |
| Dividend Yield | 0.8% | N/A | 1.5% | 1.9% |
| Share Buybacks | 0 | 7.6M | 501K | 501K |
| Buyback Yield | N/A | 3.3% | 0.1% | 0.1% |
| Stock-Based Comp | 287K | 1.0M | 2.1M | 2.1M |
| Debt Repayment | 0 | 0 | 0 | 0 |
| Balance Sheet | ||||
| Net Debt | N/A | N/A | N/A | -57M |
| Cash & Equiv. | N/A | N/A | N/A | 57M |
| Long-Term Debt | N/A | N/A | N/A | N/A |
| Debt/Equity | 8.09 | 11.18 | 10.98 | 0.00 |
| Interest Coverage | -14.1 | 1.5 | 22.5 | 22.5 |
| Equity | 204M | 192M | 215M | 209M |
| Total Assets | 1.9B | 2.3B | 2.6B | 21M |
| Total Liabilities | 1.7B | 2.1B | 2.4B | 584M |
| Intangibles | N/A | N/A | N/A | N/A |
| Retained Earnings | -124M | -89M | -68M | -68M |
| Working Capital | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A |
| Per Share Data | ||||
| EPS | -3.53 | 0.84 | 1.23 | 2.36 |
| Owner EPS | 1.04 | 1.07 | 1.56 | 2.60 |
| Book Value | 10.19 | 9.77 | 10.74 | 11.55 |
| Cash Flow/Share | 1.10 | 1.15 | 1.70 | 1.78 |
| Dividends/Share | 0.10 | N/A | 0.20 | 0.38 |
| Shares Out. | 20.0M | 19.7M | 20.1M | 18.1M |
| Valuation | ||||
| P/E Ratio | N/A | 14.1 | 14.1 | 8.4 |
| P/FCF | 12.5 | 10.4 | 10.3 | 7.2 |
| EV/EBIT | N/A | N/A | N/A | N/A |
| Price/Book | 1.3 | 1.2 | 1.6 | 1.7 |
| Price/Sales | 4.0 | 3.2 | 3.3 | 3.8 |
| FCF Yield | 8.0% | 9.6% | 9.7% | 13.8% |
| Market Cap | 268M | 233M | 347M | 359M |
| Avg. Price | 12.50 | 10.69 | 13.41 | 19.80 |
| Year-End Price | 13.42 | 11.87 | 17.32 | 19.80 |
USCB FINANCIAL HOLDINGS, INC. passes 4 of 9 quality checks, suggesting mixed fundamentals.
USCB FINANCIAL HOLDINGS, INC. trades at 8.4x trailing earnings, compared to its 15-year median P/E of 14.1x, suggesting it is currently Cheap relative to its historical range. On a free-cash-flow basis, the stock trades at 7.2x vs a median of 10.4x. The company's 5-year average ROIC is 6.1%. Total shareholder yield (dividends + buybacks) is 2.1%. At current prices, the estimated annualized return to fair value is +13.7%.
USCB FINANCIAL HOLDINGS, INC. (USCB) has a current P/E ratio of 8.4, compared to its historical median P/E of 14.1. The stock is currently considered Cheap based on its historical valuation range.
USCB FINANCIAL HOLDINGS, INC. (USCB) has a 5-year average return on invested capital (ROIC) of 6.1%. This is below average and may indicate limited pricing power.
USCB FINANCIAL HOLDINGS, INC. (USCB) has a market capitalization of $359M. It is classified as a small-cap stock.
Yes, USCB FINANCIAL HOLDINGS, INC. (USCB) pays a dividend with a trailing twelve-month yield of 1.93%. The company also returns capital through share buybacks, with a buyback yield of 0.14%.
Based on historical P/E analysis, USCB FINANCIAL HOLDINGS, INC. (USCB) appears cheap. The current P/E of 8.4 is 40% below its historical median of 14.1. The estimated fair value CAGR (P/E method) is 22.0%.
USCB FINANCIAL HOLDINGS, INC. (USCB) operates in the State Commercial Banks industry, within the Financials sector.
USCB FINANCIAL HOLDINGS, INC. (USCB) reported annual revenue of $83 million in its most recent fiscal year, based on SEC EDGAR filings.
USCB FINANCIAL HOLDINGS, INC. (USCB) has a net profit margin of 29.8%. This is a strong margin indicating high profitability.
USCB FINANCIAL HOLDINGS, INC. (USCB) generated $34 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
USCB FINANCIAL HOLDINGS, INC. (USCB) has a debt-to-equity ratio of 10.98. This indicates higher leverage, which may increase financial risk.
USCB FINANCIAL HOLDINGS, INC. (USCB) reported earnings per share (EPS) of $1.23 in its most recent fiscal year.
USCB FINANCIAL HOLDINGS, INC. (USCB) has a return on equity (ROE) of 12.1%. This indicates moderate shareholder returns.
The Ledger Terminal provides 3 years of financial data for USCB FINANCIAL HOLDINGS, INC. (USCB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
USCB FINANCIAL HOLDINGS, INC. (USCB) has a book value per share of $10.74, based on its most recent annual SEC filing.