USCB Financial Holdings, Inc. (USCB) P/E Ratio History
Premium ValuationTrading at 15.0x vs 5Y avg 12.8x · 100th percentile · Premium to historical baseline · Data 2022–2025
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P/E Ratio Analysis
As of June 13, 2026, USCB Financial Holdings, Inc. (USCB) trades at a price-to-earnings ratio of 15.0x, with a stock price of $19.55 and trailing twelve-month earnings per share of $1.42.
The current P/E is 18% above its 5-year average of 12.8x. Over the past five years, USCB's P/E has ranged from a low of 9.4x to a high of 14.8x, placing the current valuation at the 100th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.9x, USCB is roughly in line with its sector peers. The sector includes 784 companies with P/E ratios ranging from 0.0x to 197.4x.
The PEG ratio of 0.58 (P/E divided by 5% EPS growth) suggests the stock may be undervalued relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, USCB trades at a notable discount to the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our USCB DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
USCB Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
USCB P/E vs Peers
Commercial and middle-market focused banks peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $1B | 15.9 | 5.71 | -29% | |
| $533M | 13.1 | 2.17 | +10% | |
| $1B | 15.9 | 7.77 | +79% | |
| $3B | 14.5 | 2.06 | +13% | |
| $395M | 15.1 | 6.03 | -14% | |
| $730M | 10.9 | 2.06 | +3% | |
| $273M | 15.4 | 10.32 | +96%Best | |
| $251M | 9.3 | 1.44 | +38% | |
| $522M | 18.3 | 1.23 | +78% | |
| $359M | 8.0Lowest | 0.24Best | -8% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
USCB Historical P/E Data (2022–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Dec 31 2025 | $18.42 | $1.30 | 14.2x | +11% |
| FY2025 Q3 | - | $17.45 | $1.57 | 11.1x | -13% |
| FY2025 Q2 | Jun 30 2025 | $16.54 | $1.47 | 11.3x | -12% |
| FY2025 Q1 | Mar 31 2025 | $18.56 | $1.38 | 13.4x | +5% |
| FY2024 Q4 | - | $17.75 | $1.23 | 14.4x | +13% |
| FY2024 Q3 | Sep 30 2024 | $15.25 | $1.03 | 14.8x | +16% |
| FY2024 Q2 | Jun 30 2024 | $12.83 | $0.87 | 14.7x | +15% |
| FY2024 Q1 | Mar 31 2024 | $11.40 | $0.77 | 14.8x | +16% |
| FY2023 Q4 | Dec 31 2023 | $12.25 | $0.83 | 14.8x | +15% |
| FY2023 Q3 | Sep 30 2023 | $10.51 | $0.91 | 11.5x | -10% |
| FY2023 Q2 | Jun 30 2023 | $10.20 | $1.00 | 10.2x | -20% |
| FY2023 Q1 | Mar 31 2023 | $9.89 | $1.05 | 9.4x | -26% |
| FY2022 Q4 | Dec 31 2022 | $12.20 | $1.00 | 12.2x | -5% |
| FY2022 Q3 | Sep 30 2022 | $13.11 | $1.08 | 12.1x | -5% |
Average P/E for displayed period: 12.8x
What if you invested $1,000 in USCB back in 2022?
Total return with dividends reinvested · 4+ years of data
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Compare NowUSCB — Frequently Asked Questions
Quick answers to the most common questions about buying USCB stock.
What is USCB's P/E ratio?
USCB Financial Holdings, Inc. (USCB) trailing twelve-month P/E ratio is 15.0x, based on TTM diluted EPS of $1.42. The 5-year average P/E is 12.8x and the historical range spans 9.4x to 14.8x.
Is USCB stock overvalued or undervalued?
USCB trades at 15.0x P/E, near its 5-year average of 12.8x. The 100th percentile ranking within the 9.4x–14.8x historical range places valuation within normal bounds.
Is USCB stock expensive?
USCB is fairly valued relative to its own history. The current P/E of 15.0x is near the 5-year average of 12.8x (100th percentile of historical range).
What is USCB's historical P/E range?
Over the past 5 years, USCB's P/E ratio has ranged from 9.4x to 14.8x, with a median of 13.4x and an average of 12.8x. The current P/E of 15.0x places the stock at the 100th percentile of this range. Full historical data spans 2022–2025.
How does USCB's P/E compare to the S&P 500?
USCB trades at 15.0x P/E versus the S&P 500 median of 25.1x. The 40% discount to the market suggests lower growth expectations or perceived higher risk.
How does USCB's valuation compare to Financial Services peers?
USCB Financial Holdings, Inc. P/E of 15.0x compares to the Financial Services sector median of 13.9x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is USCB's PEG ratio?
USCB PEG ratio is 0.58, based on a P/E of 15.0x and EPS growth of 4.8%. A PEG below 1.0 indicates the valuation is supported by the earnings growth rate — typically considered attractive.
What is USCB's earnings yield?
USCB earnings yield is 6.65%, the inverse of its 15.0x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.