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USCB FINANCIAL HOLDINGS, INC. USCB

Nasdaq · stock · State Commercial Banks · website · IPO 2021-07-23

USCB FINANCIAL HOLDINGS, INC. statistics & valuation

Market cap$352.3M
P / E13.5×
P / B1.6×
P / FCF8.3×
Dividend yield2.22%
Return on equity12.0%
Graham number -19%$18.19

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($18.19); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
202020212022202320242025
Operating margin (%)
202020212022202320242025
Return on equity (%)
6.30% 10.30% 11.00% 8.60% 11.50% 12.00% 202020212022202320242025
Shares outstanding
19.8M 19.7M 202020212022202320242025
Net debt ($)
202020212022202320242025
Share buybacks ($)
202020212022202320242025
Return on assets (%)
0.70% 1.10% 1.00% 0.70% 1.00% 0.90% 202020212022202320242025
Free cash flow margin (%)
202020212022202320242025
Debt / equity (×)
202020212022202320242025
EPS ($)
$1.24 $1.33 202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020
Return on assets0.9%1.0%0.7%1.0%1.1%0.7%
Return on equity12.0%11.5%8.6%11.0%10.3%6.3%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.