USCB Financial Holdings, Inc.
General ticker "USCB" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $352.4M (TTM average)
USCB Financial Holdings, Inc. follows the US Stock Market performance with the rate: 19.4%.
Estimated limits based on current volatility of 1.4%: low 17.83$, high 18.33$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-11-14, amount 0.10$ (Y2.18%)
- Total employees count: 199 (+1.5%) as of 2024
- Top business risk factors: Geographic concentration, Interest rate fluctuations, Liquidity and credit risks, System failures and security breaches, Geopolitical risks
- Price in estimated range
- Earnings for 9 months up through Q3 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [16.02$, 22.38$]
- 2025-12-31 to 2026-12-31 estimated range: [16.42$, 23.05$]
Financial Metrics affecting the USCB estimates:
- Positive: with PPE of 14.3 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 22.56 > 18.64
- Positive: Industry operating cash flow per share per price (median), % of 10.66 > 10.33
- Positive: Industry earnings per price (median), % of 6.49 > 4.43
- Positive: 6.82 < Operating cash flow per share per price, % of 9.84
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Negative: Investing cash flow per share per price, % of -61.15 <= -14.38
- Positive: Industry operating profit margin (median), % of 19.98 > 9.92
Short-term USCB quotes
Long-term USCB plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $76.17MM | $108.42MM | $143.97MM |
| Operating Expenses | $49.08MM | $86.62MM | $111.50MM |
| Operating Income | $27.09MM | $21.80MM | $32.48MM |
| Interest Expense | $7.44MM | $42.45MM | $61.30MM |
| Income(Loss) | $27.09MM | $21.80MM | $32.48MM |
| Taxes | $6.94MM | $5.25MM | $7.80MM |
| Profit(Loss)* | $20.14MM | $16.55MM | $24.67MM |
| Stockholders Equity | $182.43MM | $191.97MM | $215.39MM |
| Assets | $2,085.83MM | $2,339.09MM | $2,581.22MM |
| Operating Cash Flow | $29.54MM | $22.55MM | $34.09MM |
| Capital expenditure | $0.67MM | $0.16MM | $0.31MM |
| Investing Cash Flow | $-270.60MM | $-273.00MM | $-211.86MM |
| Financing Cash Flow | $249.00MM | $237.35MM | $213.74MM |
| Earnings Per Share** | $1.01 | $0.84 | $1.25 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.