USCB Financial Inc.

USCB | NASDAQ

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$23.08

-$0.05 (-0.22%)

At close: Sep 21, 2026, 4:00 PM ET

$23.08

$0 (0.00%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $422.44M

Enterprise Value $157.75M

Beta 0.46

Average Volume 62.02K

Shares Outstanding (Diluted) 18.51M

Shares Change YoY -8.8%

Institutional Ownership 63.38%

Exchange NASDAQ

ISIN US90355N1019

Price Performance

Price Change 1M 2.7%

Price Change 3M 16.9%

Price Change 6M 25.5%

Price Change YTD 26.8%

Price Change 1Y 33.4%

Price Change 3Y 115.3%

Price Change 5Y 89.7%

1M CAGR (ann.) 4.7%

1Y CAGR (ann.) 38.3%

5Y CAGR (ann.) 14.1%

All-Time CAGR 17.1%

Valuation

PE Ratio 15.18

Forward PE 9.76

PEG Ratio 4.49

Forward PEG 1.28

PS Ratio 2.92

Forward PS 3.40

PB Ratio 1.89

P/FCF Ratio 9.83

P/Adj. FCF Ratio 10.62

P/OCF Ratio 8.45

EV/Sales 1.09

EV/EBIT 4.00

EV/EBITDA 3.95

EV/FCF 3.68

Earnings Yield 6.6%

FCF Yield 10.2%

Adj. FCF Yield 9.4%

Financial Health

Net Cash $263.79M

Total Debt $92.34M

Cash & Short-Term Investments $356.12M

Total Assets $2.85B

Current Ratio 1.05

Quick Ratio 1.05

Debt / Equity Ratio 1.26

Debt / EBITDA 2.31

Debt / FCF 2.15

OCF / Debt 0.47

Interest Coverage 0.64

Altman Z-Score 0.17

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 65.8%

Operating Profit Margin 27.4%

EBITDA Margin 27.7%

Net Profit Margin 19.9%

FCF Margin 29.7%

Adj. FCF Margin 27.5%

SBC / Revenue 1.7%

SBC Impact (per share) -7.4%

Returns

Return on Assets 0.9%

Return on Equity 13.1%

Return on Invested Capital 0.9%

Return on Capital Employed 1.4%

Return on Tangible Assets 0.9%

Historical Growth (CAGR)

Revenue CAGR 3Y 16.4%

Revenue CAGR 5Y 18.9%

Revenue CAGR 10Y N/A

EPS CAGR 3Y 15.0%

EPS CAGR 5Y 14.3%

EPS CAGR 10Y N/A

FCF CAGR 3Y 9.8%

FCF CAGR 5Y 21.8%

FCF CAGR 10Y N/A

Analyst Forecasts

Analyst Rating Buy

Analyst Count 3

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 21, 2026

EPS Estimate (next Q) $0.55

EPS Growth Est (next Q) 22.2%

Revenue Est (next Q) $29.19M

Revenue Growth Est (next Q) 16.9%

Fair Value Estimates

Graham Number $20.85

Graham Upside -9.7%

Lynch Fair Value $21.69

Lynch Upside -6.0%

Price Target $27

Price Target Upside 17.0%

Cash Flow

Operating Cash Flow $43.45M

Free Cash Flow $42.88M

Adj. Free Cash Flow $39.69M

FCF Per Share $2.68

OCF Per Share $2.73

OCF/S Ratio 34.7%

Income Statement

Revenue $144.2M

Gross Profit $94.96M

Operating Income $39.48M

EBITDA $39.97M

Net Income $28.73M

EPS (Diluted) $1.52

Revenue / Employee $703.41K

Profit / Employee $140.15K

Employees 205

Dividends

Annual Dividend $0.47

Dividend Yield 2.04%

Payout Ratio 31.3%

FCF Payout Ratio 18.9%

Adj. FCF Payout Ratio 20.4%

Dividend Growth (YoY) 35.7%

Pay Frequency Quarterly

Ex-Dividend Date Aug 16, 2026