USCBNasdaqState Commercial BanksFiscal year ends December 31
USCB FINANCIAL HOLDINGS, INC.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$22.24−0.11 (-0.49%)
Close on Oct 19, 2026
- Market cap
- –
- P/E (TTM)
- 16.7
- Dividend yield
- –
Uscb Financial statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Uscb Financial | Industry median |
|---|---|---|
| Market Cap | $410.87M | $679.86M |
| Enterprise Value | $292.72M | $418.07M |
| PS Ratio | 4.23 | 3.62 |
| PB Ratio | 1.76 | 1.18 |
| P/TBV Ratio | 1.76 | 1.42 |
| P/FCF Ratio | 8.37 | 10.93 |
| P/OCF Ratio | 8.21 | 10.04 |
Enterprise value
| Measure | Uscb Financial | Industry median |
|---|---|---|
| EV / Sales | 3.01 | 2.78 |
| EV / FCF | 5.96 | 8.40 |
Income (trailing twelve months)
| Measure | Uscb Financial | Industry median |
|---|---|---|
| Revenue | $97.13M | $170.85M |
| Pretax Income | $39.48M | $70.12M |
| Net Income | $28.73M | $54.33M |
Margins
| Measure | Uscb Financial | Industry median |
|---|---|---|
| Pretax Margin | 40.6% | 36.4% |
| Profit Margin | 29.6% | 29.1% |
| FCF Margin | 50.5% | 33.0% |
Returns
| Measure | Uscb Financial | Industry median |
|---|---|---|
| Return on Equity (ROE) | 12.4% | 10.5% |
| Return on Assets (ROA) | 1.00% | 1.12% |
Growth
| Measure | Uscb Financial | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 5.85% | 11.8% |
| Net Income Growth (YoY) | -3.10% | 23.1% |
| FCF Growth (YoY) | 20.1% | 27.1% |
| Revenue Growth (3Y CAGR) | 9.41% | 5.82% |
| Revenue Growth (5Y CAGR) | 12.7% | 6.17% |
Balance sheet
| Measure | Uscb Financial | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $118.15M | $205.54M |
| Net Cash (Debt) | $118.15M | $164.40M |
| Net Cash Per Share | $6.40 | $8.13 |
| Equity (Book Value) | $233.24M | $560.44M |
| Book Value Per Share | $12.62 | $28.47 |
| Tangible Book Value | $233.24M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Uscb Financial | Industry median |
|---|---|---|
| Operating Cash Flow | $50.06M | $61.20M |
| Capital Expenditures | -$971.00K | -$4.02M |
| Free Cash Flow | $49.09M | $52.43M |
| FCF Per Share | $2.66 | $3.07 |
Efficiency
| Measure | Uscb Financial | Industry median |
|---|---|---|
| Asset Turnover | 0.03 | 0.04 |
| Revenue Per Employee | $473.82K | $357.09K |
| Profits Per Employee | $140.15K | $107.23K |
| Employee Count | 205 | 528 |
Dividends and yields
| Measure | Uscb Financial | Industry median |
|---|---|---|
| Earnings Yield | 6.99% | 8.07% |
| FCF Yield | 11.9% | 8.89% |
| Buyback Yield | 7.87% | 1.52% |
| Shareholder Yield | 7.87% | 3.13% |
| Payout Ratio | 29.2% | 29.4% |
| FCF Payout Ratio | 17.1% | 26.0% |
Shares
| Measure | Uscb Financial | Industry median |
|---|---|---|
| Shares Outstanding | 18,474,500 | 18,910,300 |
| Float | 13,420,900 | 16,895,350 |
| Shares Held by Insiders | 27.4% | 5.92% |
| Shares Held by Institutions | 67.5% | 61.9% |
Taxes
| Measure | Uscb Financial | Industry median |
|---|---|---|
| Income Tax | $10.75M | $14.50M |
| Effective Tax Rate | 27.2% | 21.1% |
Scores
| Measure | Uscb Financial | Industry median |
|---|---|---|
| Altman Z-Score | 0.10 | 0.21 |
| Piotroski F-Score | 5 | 6 |
Calculated by StockData from Uscb Financial's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.