USCB Financial Holdings, Inc. Class A Common Stock (USCB)

Price$19.70

Favorite Metrics

Price vs S&P 500 (26W)11.35%

Price vs S&P 500 (4W)5.49%

Market Capitalization$361.12M

P/E Ratio (Annual)13.84x

Indicated Dividend Yield (Annual)2.15%

All Metrics

P/CF (Annual)8.44x

Book Value / Share (Quarterly)$11.97

Indicated Dividend (Annual)$0.40

Cash Flow / Share (Quarterly)$2.34

Payout Ratio (TTM)30.00%

Price vs S&P 500 (YTD)4.74%

EPS (TTM)$1.30

10-Day Avg Trading Volume0.04M

EPS Excl Extra (TTM)$1.30

EPS (Annual)$1.33

Dividend / Share (Annual)$0.41

ROI (Annual)10.18%

P/E Basic Excl Extra (TTM)13.84x

EPS Growth (5Y)19.66%

P/E Normalized (Annual)13.84x

ROA (Last FY)0.93%

EBITD / Share (TTM)$1.86

ROE (5Y Avg)10.70%

Cash Flow / Share (Annual)$2.34

P/B Ratio1.66x

P/B Ratio (Quarterly)1.54x

Net Income / Employee (Annual)$0

ROA (TTM)0.95%

EPS Growth QoQ (YoY)-78.37%

EV / EBITDA (TTM)10.96x

EPS Incl Extra (Annual)$1.33

3-Month Avg Trading Volume0.05M

52-Week Price Return17.81%

EV / Free Cash Flow (Annual)9.42x

P/E Incl Extra (TTM)13.84x

52-Week High$20.79

EPS Excl Extra (Annual)$1.33

CapEx CAGR (5Y)-2.84%

26-Week Price Return15.34%

13-Week Price Return4.60%

Total Debt / Equity (Annual)0.18x

Enterprise Value$400.423

3-Month Return Std Dev31.49%

Net Income / Employee (TTM)$0

EBITDA CAGR (5Y)20.00%

EBITDA Interim CAGR (5Y)-7.26%

ROE (Last FY)12.02%

EPS Basic Excl Extra (Annual)$1.33

P/FCF (TTM)6.86x

EV / Free Cash Flow (TTM)9.42x

Total Debt / Equity (Quarterly)0.18x

EPS Incl Extra (TTM)$1.30

ROI (TTM)10.86%

Forward P/E9.73x

Free OCF CAGR (5Y)27.23%

Price vs S&P 500 (52W)-12.02%

P/E Ratio (TTM)13.84x

EPS Growth TTM (YoY)4.90%

Year-to-Date Return7.38%

5-Day Price Return-1.93%

EPS Normalized (Annual)$1.33

ROA (5Y Avg)0.94%

Month-to-Date Return6.69%

EBITD / Share (Annual)$1.86

EPS Growth (3Y)9.67%

LT Debt / Equity (Annual)0.18x

P/CF (TTM)8.44x

ROI (5Y Avg)10.33%

P/E Excl Extra (TTM)13.84x

LT Debt / Equity (Quarterly)0.18x

EPS Basic Excl Extra (TTM)$1.30

Payout Ratio (Annual)30.00%

P/B Ratio (Annual)1.54x

Dividend / Share (TTM)$0.41

Book Value / Share (Annual)$11.97

Price vs S&P 500 (13W)3.91%

Dividend Yield (TTM)2.17%

Beta0.63x

P/FCF (Annual)8.50x

ROE (TTM)11.82%

52-Week Low$15.56

Analyst Recommendations

Jan 2026

Feb 2026

Mar 2026

Apr 2026

4.00

Industry Peers — State Banks(184)

Symbol	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
USCBUSCB Financial Holdings, Inc. Class A Common Stock	1.54x	11.82%	0.95%	—	$19.70
ITUBItau Unibanco Holding S.A. American Depositary Shares	2.03x	20.76%	1.50%	—	$9.33
BNSBank of Nova Scotia	1.45x	10.41%	0.62%	—	$75.00
BKBank of New York Mellon Corporation	1.83x	12.66%	1.20%	—	$134.84
FITBFifth Third Bancorp	1.42x	11.96%	1.19%	—	$49.52
FITBIFifth Third Bancorp Depositary Shares	1.42x	11.96%	1.19%	—	$25.32
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	1.42x	11.96%	1.19%	—	$25.83
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	1.42x	11.96%	1.19%	—	$19.38
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A	1.42x	11.96%	1.19%	—	$24.05
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	1.04x	9.84%	0.81%	—	$4.15
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	1.04x	9.84%	0.81%	—	$3.72

About

USCB Financial Holdings Inc is a community bank providing personal and business banking services through its branch network and digital platform. The company offers checking and savings accounts, credit cards, and real estate lending products to retail and small business customers.