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

Price$18.31

Value ScoreC

Growth ScoreB

Momentum ScoreD

Favorite Metrics

Price vs S&P 500 (26W)-9.93%

Price vs S&P 500 (4W)-3.94%

VGM Score48.79

Market Capitalization$330.89M

P/E Ratio (Annual)12.68x

Indicated Dividend Yield (Annual)2.47%

All Metrics

P/CF (Annual)7.73x

Book Value / Share (Quarterly)$12.23

Indicated Dividend (Annual)$0.50

Cash Flow / Share (Quarterly)$2.35

Payout Ratio (TTM)29.17%

Price vs S&P 500 (YTD)-10.28%

EPS (TTM)$1.43

10-Day Avg Trading Volume0.05M

EPS Excl Extra (TTM)$1.43

EPS (Annual)$1.33

Dividend / Share (Annual)$0.41

ROI (Annual)10.18%

P/E Basic Excl Extra (TTM)11.91x

EPS Growth (5Y)19.66%

P/E Normalized (Annual)12.68x

ROA (Last FY)0.93%

EBITD / Share (TTM)$1.99

ROE (5Y Avg)10.70%

Cash Flow / Share (Annual)$2.34

P/B Ratio1.48x

P/B Ratio (Quarterly)1.52x

Net Income / Employee (Annual)$127,300

ROA (TTM)1.00%

EPS Growth QoQ (YoY)34.44%

EV / EBITDA (TTM)9.74x

EPS Incl Extra (Annual)$1.33

3-Month Avg Trading Volume0.06M

52-Week Price Return11.08%

EV / Free Cash Flow (Annual)8.71x

P/E Incl Extra (TTM)11.91x

52-Week High$20.79

EPS Excl Extra (Annual)$1.33

CapEx CAGR (5Y)-2.84%

26-Week Price Return6.00%

13-Week Price Return-4.78%

Total Debt / Equity (Annual)0.18x

Enterprise Value$370.23M

3-Month Return Std Dev23.48%

Net Income / Employee (TTM)$135,600

EBITDA CAGR (5Y)20.00%

EBITDA Interim CAGR (5Y)12.39%

ROE (Last FY)12.02%

EPS Basic Excl Extra (Annual)$1.33

P/FCF (TTM)6.25x

EV / Free Cash Flow (TTM)8.63x

Total Debt / Equity (Quarterly)0.18x

EPS Incl Extra (TTM)$1.43

ROI (TTM)11.13%

Forward P/E8.79x

Free OCF CAGR (5Y)27.23%

Price vs S&P 500 (52W)-17.12%

P/E Ratio (TTM)11.91x

EPS Growth TTM (YoY)3.46%

Year-to-Date Return0.65%

5-Day Price Return-0.43%

EPS Normalized (Annual)$1.33

ROA (5Y Avg)0.94%

Month-to-Date Return1.64%

EBITD / Share (Annual)$1.86

EPS Growth (3Y)9.67%

LT Debt / Equity (Annual)0.18x

P/CF (TTM)7.61x

ROI (5Y Avg)10.33%

P/E Excl Extra (TTM)11.91x

LT Debt / Equity (Quarterly)0.18x

EPS Basic Excl Extra (TTM)$1.43

Payout Ratio (Annual)30.00%

P/B Ratio (Annual)1.54x

Dividend / Share (TTM)$0.42

Book Value / Share (Annual)$11.97

Price vs S&P 500 (13W)-14.52%

Dividend Yield (TTM)2.45%

Beta0.54x

P/FCF (Annual)7.79x

ROE (TTM)12.62%

52-Week Low$15.56

vGradeC

gGradeB

mGradeD

vgmGradeC

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Earnings Surprise History

Q1 260.51est. 0.48

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

4.00

Industry Peers — State Banks(184)

Symbol	Value Score	Growth Score	Momentum Score	Price
USCBUSCB Financial Holdings, Inc. Class A Common Stock	C	B	D	$18.31
BNSBank of Nova Scotia	C	C	B	$78.61
BKBank of New York Mellon Corporation	D	B	A	$137.16
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	F	$7.79
DBDeutsche Bank Aktiengesellschaft	B	B	F	$32.19
FITBIFifth Third Bancorp Depositary Shares	D	C	C	$25.71
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	D	C	C	$26.26
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	D	C	C	$18.52
FITBFifth Third Bancorp	D	C	C	$48.56
STTState Street Corporation	C	C	A	$159.79
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	B	C	F	$3.47

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.