USCB Financial Holdings, Inc. (USCB)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 50 | 60 | 69 | 66 | 83 | 90 | 82 | - |
| Operating profit | $m | 36 | 39 | ||||||
| Net profit | $m | 11 | 21 | 20 | 17 | 25 | 26 | 29 | 38 |
| EPS reported | $ | 1.30 | 1.52 | ||||||
| Operating cashflow per share | $ | 2.36 | 1.39 | ||||||
| Capex per share | $ | 0.02 | 0.03 | ||||||
| FCF per share | $ | 2.35 | 1.36 | ||||||
| Free cash flow | $m | 43 | 49 | ||||||
| Net debt | $m | 8 | 162 | ||||||
| Book value equity | $m | 212 | 233 | ||||||
| Book value per share | $ | 11.58 | 12.60 | ||||||
| Number of shares | m | 18.35 | 18.51 | ||||||
| DPS (TTM paid) | $ | 0.40 | 0.48 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 14.17 | 14.90 | ||||||
| P/B LTM | x | 1.57 | 1.43 | ||||||
| P/S LTM | x | 3.70 | 4.06 | ||||||
| P/FCF LTM | x | 7.85 | 6.80 | ||||||
| EV/EBITDA LTM | x | 9.41 | 8.56 | ||||||
| EV/Sales LTM | x | 2.25 | 3.91 | ||||||
| Earnings Yield LTM | % | +7.06% | +6.71% | ||||||
| FCF Yield | % | +12.74% | +14.71% | ||||||
| Quality | |||||||||
| ROE | % | +12.29% | +13.09% | ||||||
| ROIC | % | +10.54% | +0.95% | ||||||
| Operating margin | % | +23.62% | +27.38% | ||||||
| Gross margin | % | +58.13% | +65.85% | ||||||
| FCF/Sales | % | +27.95% | +17.26% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +4.84% | +22.58% | ||||||
| Sales Growth YoY | % | +9.13% | -0.64% | ||||||
| Net Income Growth YoY | % | +5.78% | +16.44% | ||||||
| FCF Growth | % | +25.83% | +45.35% | ||||||
| Operating Profit Growth | % | +10.59% | +21.56% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.35% | +2.05% | ||||||
| Dividend Growth | % | +100.00% | +137.50% | ||||||
| Payout Ratio | % | +32.82% | +21.39% | ||||||
| FCF/Debt | x | 0.47 | 0.17 | ||||||
| Net Debt/EBITDA | x | 0.23 | 4.06 | ||||||
| EBIT/Net interest | x | 0.58 | 0.64 | ||||||
| Net debt/market cap | % | +27.19% | +69.79% | ||||||
| Net debt/Equity | x | 0.04 | 0.70 | ||||||
| Gross debt/equity | x | 0.43 | 1.26 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various personal and business banking products and services in the United States. The company offers small business administration and yacht lending services; homeowners association services, including deposit collection, lockbox services, payment services, and lending products; jurist advantage and private client group services; correspondent banking services for banks in certain Latin America and the Caribbean countries. It also provides deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, and certificates of deposit; treasury, commercial payment, and cash management services; insured cash sweep and certificate of deposit account registry services; and clients title insurance policies for real estate transactions. The company was founded in 2002 and is headquartered in Doral, Florida.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
USCB Financial Holdings, Inc. (USCB)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various personal and business banking products and services in the United States. The company offers small business administration and yacht lending services; homeowners association services, including deposit collection, lockbox services, payment services, and lending products; jurist advantage and private client group services; correspondent banking services for banks in certain Latin America and the Caribbean countries. It also provides deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, and certificates of deposit; treasury, commercial payment, and cash management services; insured cash sweep and certificate of deposit account registry services; and clients title insurance policies for real estate transactions. The company was founded in 2002 and is headquartered in Doral, Florida.
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