USCB Financial Holdings, Inc. (USCB) Financial Ratios
7 years of historical data (2019–2025) · Financial Services · Banks - Regional
EV/EBITDA
↓
10.04
↓-15% vs avg
5yr avg: 11.88
30Y Low9.1·High17.6
P/FCF
↓
8.40
↓-17% vs avg
5yr avg: 10.10
30Y Low8.0·High12.8
P/B Ratio
↑
1.69
+18% vs avg
5yr avg: 1.44
30Y Low1.3·High1.6
ROE
↑
12.2%
↓+11% vs avg
5yr avg: 11.0%
30Y Low6%·High12%
Debt/EBITDA
↑
2.50
↓-39% vs avg
5yr avg: 4.06
30Y Low1.7·High8.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
USCB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
USCB Financial Holdings, Inc. trades at 15.0x earnings, 9% above its 5-year average of 13.8x, sitting at the 100th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.9x, the stock trades at a premium of 8%. On a free-cash-flow basis, the stock trades at 8.4x P/FCF, 17% below the 5-year average of 10.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Market Cap | $357M | $338M | $352M | $241M | $246M | $274M | — | — |
| Enterprise Value | $365M | $346M | $446M | $395M | $252M | $278M | — | — |
| P/E Ratio → | 15.04 | 14.17 | 14.31 | 14.58 | 12.20 | — | — | — |
| P/S Ratio | 2.35 | 2.22 | 2.44 | 2.22 | 3.23 | 4.29 | — | — |
| P/B Ratio | 1.69 | 1.59 | 1.63 | 1.26 | 1.35 | 1.34 | — | — |
| P/FCF | 8.40 | 7.95 | 10.42 | 10.78 | 8.53 | 12.80 | — | — |
| P/OCF | 8.34 | 7.90 | 10.33 | 10.70 | 8.33 | 12.43 | — | — |
P/E links to full P/E history page with 30-year chart
USCB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
USCB Financial Holdings, Inc.'s enterprise value stands at 10.0x EBITDA, 15% below its 5-year average of 11.9x. The Financial Services sector median is 11.5x, placing the stock at a 13% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.28 | 3.10 | 3.64 | 3.31 | 4.35 | — | — |
| EV / EBITDA | 10.04 | 9.52 | 13.50 | 17.62 | 9.09 | 9.69 | — | — |
| EV / EBIT | 10.17 | 9.64 | 13.75 | 18.10 | 9.32 | 10.05 | — | — |
| EV / FCF | — | 8.15 | 13.22 | 17.63 | 8.74 | 12.98 | — | — |
USCB Profitability
Margins and return-on-capital ratios measuring operating efficiency
USCB Financial Holdings, Inc. earns an operating margin of 23.6%, above the Financial Services sector average of 20.2%. Operating margins have expanded from 20.1% to 23.6% over the past 3 years, signaling improving operational efficiency. ROE of 12.2% is modest. ROIC of 7.8% represents adequate returns on invested capital versus a sector median of 5.4%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 58.1% | 58.1% | 55.2% | 58.7% | 87.0% | 93.6% | 79.1% | 100.0% |
| Operating Margin | 23.6% | 23.6% | 22.6% | 20.1% | 35.6% | 43.3% | 22.8% | 31.5% |
| Net Profit Margin | 17.2% | 17.2% | 17.1% | 15.3% | 26.4% | 33.0% | 18.4% | 23.2% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| ROE | 12.2% | 12.2% | 12.1% | 8.8% | 10.4% | 11.2% | 6.5% | 6.5% |
| ROA | 1.0% | 1.0% | 1.0% | 0.7% | 1.0% | 1.3% | 0.8% | 0.8% |
| ROIC | 7.8% | 7.8% | 6.3% | 5.2% | 8.2% | 8.7% | 4.8% | 5.3% |
| ROCE | 10.8% | 10.8% | 8.6% | 7.0% | 10.9% | 11.6% | 1.7% | 1.1% |
USCB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
USCB Financial Holdings, Inc. carries a Debt/EBITDA ratio of 2.5x, which is manageable (41% below the sector average of 4.3x). Net debt stands at $8M ($91M total debt minus $82M cash). Interest coverage of just 0.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.43 | 0.43 | 0.80 | 1.01 | 0.33 | 0.25 | 0.30 | 0.26 |
| Debt / EBITDA | 2.50 | 2.50 | 5.19 | 8.69 | 2.17 | 1.75 | 3.44 | — |
| Net Debt / Equity | — | 0.04 | 0.44 | 0.80 | 0.03 | 0.02 | 0.02 | 0.03 |
| Net Debt / EBITDA | 0.23 | 0.23 | 2.86 | 6.85 | 0.22 | 0.14 | 0.19 | — |
| Debt / FCF | — | 0.20 | 2.80 | 6.85 | 0.22 | 0.18 | 0.22 | 0.39 |
| Interest Coverage | 0.58 | 0.58 | 0.53 | 0.51 | 3.64 | 6.55 | 1.48 | — |
USCB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.03x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.14x to 0.03x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.03 | 0.03 | 0.14 | 0.14 | 0.03 | 0.03 | 0.04 | 80.14 |
| Quick Ratio | 0.03 | 0.03 | 0.14 | 0.14 | 0.03 | 0.03 | 0.04 | 80.14 |
| Cash Ratio | 0.03 | 0.03 | 0.03 | 0.02 | 0.03 | 0.03 | 0.04 | 80.14 |
| Asset Turnover | — | 0.05 | 0.06 | 0.05 | 0.04 | 0.03 | 0.04 | 0.03 |
| Inventory Turnover | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — |
USCB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
USCB Financial Holdings, Inc. returns 11.9% to shareholders annually — split between a 2.2% dividend yield and 9.7% buyback yield. The payout ratio of 30.0% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 6.6% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.2% | — | — | — | — | — | — | — |
| Payout Ratio | 30.0% | 30.0% | — | — | — | — | — | 17.6% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.6% | 7.1% | 7.0% | 6.9% | 8.2% | — | — | — |
| FCF Yield | 11.9% | 12.6% | 9.6% | 9.3% | 11.7% | 7.8% | — | — |
| Buyback Yield | 9.7% | — | — | — | — | — | — | — |
| Total Shareholder Yield | 11.9% | — | — | — | — | — | — | — |
| Shares Outstanding | — | $18M | $20M | $20M | $20M | $20M | $19M | $10M |
Peer Comparison
Compare USCB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 USCBYou | $357M | 15.0 | 10.0 | 8.4 | 58.1% | 23.6% | 12.2% | 7.8% | 2.5 |
 OCFC | $1B | 15.9 | 27.5 | 13.4 | 54.5% | 14.1% | 4.2% | 2.2% | 17.5 |
 BSRR | $533M | 13.1 | 16.2 | 16.6 | 73.9% | 27.9% | 11.7% | 5.6% | 9.2 |
 CFFN | $1B | 15.9 | 30.5 | 21.5 | 47.3% | 19.9% | 6.5% | 2.0% | 21.5 |
 NBTB | $3B | 14.5 | 11.0 | 11.5 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 CZNC | $395M | 15.1 | 18.9 | 13.1 | 65.3% | 18.6% | 7.6% | 4.2% | 6.7 |
 IBCP | $730M | 10.9 | 9.8 | 10.4 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 FXNC | $273M | 15.4 | 7.0 | 13.0 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 CFFI | $251M | 9.3 | 10.7 | 11.3 | 69.5% | 17.8% | 11.0% | 6.8% | 3.5 |
 HONE | $522M | 18.3 | 20.8 | 200.7 | 50.9% | 10.9% | 4.7% | 2.3% | 13.3 |
 NECB | $359M | 8.0 | 5.6 | 7.1 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
| Financial Services Median | — | 13.9 | 11.5 | 11.2 | 64.1% | 20.2% | 9.0% | 5.4% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 7 years · Updated daily
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Run the NumbersIs USCB Undervalued Right Now?
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Compare NowUSCB — Frequently Asked Questions
Quick answers to the most common questions about buying USCB stock.
What is USCB Financial Holdings, Inc.'s P/E ratio?
USCB Financial Holdings, Inc.'s current P/E ratio is 15.0x. The historical average is 13.8x. This places it at the 100th percentile of its historical range.
What is USCB Financial Holdings, Inc.'s EV/EBITDA?
USCB Financial Holdings, Inc.'s current EV/EBITDA is 10.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 11.9x.
What is USCB Financial Holdings, Inc.'s ROE?
USCB Financial Holdings, Inc.'s return on equity (ROE) is 12.2%. The historical average is 9.7%.
Is USCB stock overvalued?
Based on historical data, USCB Financial Holdings, Inc. is trading at a P/E of 15.0x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is USCB Financial Holdings, Inc.'s dividend yield?
USCB Financial Holdings, Inc.'s current dividend yield is 2.18% with a payout ratio of 30.0%.
What are USCB Financial Holdings, Inc.'s profit margins?
USCB Financial Holdings, Inc. has 58.1% gross margin and 23.6% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does USCB Financial Holdings, Inc. have?
USCB Financial Holdings, Inc.'s Debt/EBITDA ratio is 2.5x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.