Last 21 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
USCB Financial Holdings, Inc.'s quarterly P/E stands at 65.8x, up 404.0% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 116.3% YoY to 26.5x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.04 | 65.79 | 9.69 | 10.34 | 12.21 | 13.05 | 10.89 | 10.35 | 12.39 | 21.87 | 13.83 | 12.14 | 8.53 |
| — | +404.0% | -11.0% | -0.1% | -1.5% | -40.3% | -21.2% | -14.8% | +45.3% | +57.8% | +18.1% | +9.4% | -42.9% | |
| P/S Ratio | 2.35 | 2.53 | 2.08 | 2.12 | 2.50 | 2.37 | 2.04 | 1.77 | 1.68 | 2.05 | 1.81 | 1.92 | 2.02 |
| — | +6.6% | +1.9% | +20.3% | +48.6% | +15.8% | +13.2% | -7.9% | -16.5% | -31.5% | -44.6% | -39.7% | -52.1% | |
| P/B Ratio | 1.69 | 1.59 | 1.65 | 1.45 | 1.68 | 1.66 | 1.41 | 1.26 | 1.15 | 1.25 | 1.13 | 1.09 | 1.07 |
| — | -4.3% | +16.7% | +15.2% | +45.5% | +33.1% | +25.4% | +15.4% | +7.4% | -6.9% | -24.3% | -15.6% | -28.5% | |
| P/FCF | 8.40 | — | 4.30 | 4.66 | 6.47 | — | 6.78 | 3.47 | 7.02 | — | 6.23 | 4.49 | 5.49 |
| — | — | -36.6% | +34.4% | -7.8% | — | +8.8% | -22.8% | +27.8% | — | +8.1% | +11.8% | -58.5% | |
| EV / EBITDA | 10.04 | 26.45 | 7.20 | 9.09 | 9.63 | 12.23 | 10.50 | 10.44 | 10.95 | 26.89 | 13.75 | 9.38 | 8.53 |
| — | +116.3% | -31.4% | -13.0% | -12.0% | -54.5% | -23.7% | +11.4% | +28.4% | +157.5% | +83.7% | +17.5% | -3.3% | |
| EV / EBIT | 10.17 | 26.45 | 7.30 | 9.22 | 9.78 | 12.43 | 10.67 | 10.63 | 11.21 | 28.02 | 14.15 | 9.63 | 8.70 |
| — | +112.7% | -31.6% | -13.3% | -12.8% | -55.6% | -24.6% | +10.4% | +28.8% | +161.2% | +84.8% | +17.7% | -4.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
USCB Financial Holdings, Inc.'s operating margin was 9.8% in Q4 2025, down 18.7 pp QoQ and down 14.3 pp YoY. The trailing four-quarter average of 23.1% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin contracted 7.2% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 58.1% | 53.9% | 60.0% | 59.1% | 58.8% | 58.1% | 55.7% | 55.1% | 51.6% | 48.6% | 54.4% | 61.2% | 73.1% |
| — | -7.2% | +7.7% | +7.4% | +13.9% | +19.6% | +2.4% | -9.9% | -29.4% | -37.3% | -37.5% | -32.4% | -22.6% | |
| Operating Margin | 23.6% | 9.8% | 28.5% | 27.2% | 26.8% | 24.1% | 24.8% | 22.8% | 18.1% | 12.0% | 17.8% | 21.2% | 31.5% |
| — | -59.4% | +15.1% | +19.1% | +48.0% | +101.1% | +39.4% | +7.8% | -42.4% | -58.1% | -52.1% | -44.7% | -19.7% | |
| Net Margin | 17.2% | 4.1% | 21.6% | 20.6% | 20.3% | 18.3% | 18.8% | 17.3% | 13.8% | 9.3% | 13.4% | 16.1% | 23.8% |
| — | -77.7% | +15.0% | +18.8% | +46.9% | +96.7% | +40.4% | +7.9% | -41.8% | -57.1% | -51.2% | -44.5% | -16.2% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.2% | 0.6% | 4.1% | 3.6% | 3.5% | 3.2% | 3.3% | 3.1% | 2.4% | 1.5% | 2.1% | 2.3% | 3.2% |
| — | -79.9% | +21.1% | +13.7% | +45.9% | +121.5% | +60.8% | +37.3% | -24.9% | -41.1% | -33.0% | -19.8% | +29.4% | |
| ROA | 1.0% | 0.0% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.1% | 0.2% | 0.2% | 0.3% |
| — | -82.0% | +16.3% | +20.2% | +52.5% | +128.7% | +63.9% | +31.3% | -30.1% | -44.8% | -37.7% | -28.1% | +7.6% | |
| ROIC | 7.8% | 0.9% | 2.9% | 2.3% | 2.1% | 1.9% | 1.9% | 1.7% | 1.2% | 0.8% | 1.3% | 1.4% | 2.1% |
| — | -54.0% | +50.3% | +41.5% | +73.3% | +143.6% | +47.0% | +20.0% | -41.7% | -59.7% | -44.7% | -34.2% | +1.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
USCB Financial Holdings, Inc.'s Debt/EBITDA ratio is 27.7x, up from 4.7x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 76.2% YoY to 0.03x, tightening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.43 | 0.43 | 0.27 | 0.50 | 0.51 | 0.80 | 0.59 | 0.86 | 0.89 | 1.01 | 0.62 | 0.54 | 0.73 |
| — | -46.3% | -54.5% | -41.9% | -41.9% | -21.4% | -4.8% | +57.3% | +21.8% | +205.9% | +180.5% | +23.1% | +182.4% | |
| Debt / EBITDA | 2.50 | 27.72 | 4.73 | 10.57 | 11.29 | 18.53 | 13.66 | 20.66 | 27.95 | 53.19 | 21.90 | 17.60 | 17.05 |
| — | +49.6% | -65.4% | -48.9% | -59.6% | -65.2% | -37.6% | +17.4% | +64.0% | +429.1% | +326.3% | +58.8% | +137.9% | |
| Current Ratio | 0.03 | 0.03 | 0.16 | 0.03 | 0.17 | 0.14 | 0.14 | 0.16 | 0.07 | 0.14 | 0.13 | 0.05 | 0.04 |
| — | -76.2% | +12.1% | -81.9% | +155.5% | -3.8% | +6.5% | +217.8% | +68.2% | +328.8% | +205.3% | -3.4% | -33.5% | |
| Quick Ratio | 0.03 | 0.03 | 0.16 | 0.03 | 0.17 | 0.14 | 0.14 | 0.16 | 0.07 | 0.14 | 0.13 | 0.05 | 0.04 |
| — | -76.2% | +12.1% | -81.9% | +155.5% | -3.8% | +6.5% | +217.8% | +68.2% | +328.8% | +205.3% | -3.4% | -33.5% | |
| Interest Coverage | 0.58 | 0.21 | 0.72 | 0.71 | 0.68 | 0.61 | 0.59 | 0.53 | 0.38 | 0.26 | 0.41 | 0.55 | 1.20 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 21 years · Updated daily
Total return calculator · dividends reinvested
Calculate ReturnsDollar cost averaging vs lump sum · see how regular investing compounds over time
Run the NumbersDCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare business quality, growth, and profitability against top sector peers.
Compare NowQuick answers to the most common questions about buying USCB stock.
USCB Financial Holdings, Inc.'s current P/E is 15.0x. The average P/E over the last 4 quarters is 24.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
USCB Financial Holdings, Inc.'s current operating margin is 23.6%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking USCB Financial Holdings, Inc.'s business trajectory between earnings reports.