USCB Financial Inc. (USCB)
USCB Financial Statistics
Share Statistics
USCB Financial has 20.05M shares outstanding. The number of shares has increased by 2.02% in one year.
| Shares Outstanding | 20.05M |
| Shares Change (YoY) | 2.02% |
| Shares Change (QoQ) | 1.07% |
| Owned by Institutions (%) | 63.58% |
| Shares Floating | 10.18M |
| Failed to Deliver (FTD) Shares | 116 |
| FTD / Avg. Volume | 0.43% |
Short Selling Information
The latest short interest is 43.13K, so 0.22% of the outstanding shares have been sold short.
| Short Interest | 43.13K |
| Short % of Shares Out | 0.22% |
| Short % of Float | 0.43% |
| Short Ratio (days to cover) | 1.45 |
Valuation Ratios
The PE ratio is 14.16 and the forward PE ratio is 11.37. USCB Financial's PEG ratio is 0.29.
| PE Ratio | 14.16 |
| Forward PE | 11.37 |
| PS Ratio | 4.23 |
| Forward PS | 3.3 |
| PB Ratio | 1.62 |
| P/FCF Ratio | 10.34 |
| PEG Ratio | 0.29 |
Enterprise Valuation
USCB Financial has an Enterprise Value (EV) of 443.74M.
| EV / Sales | 5.37 |
| EV / EBITDA | 0 |
| EV / EBIT | 13.02 |
| EV / FCF | 13.14 |
Financial Position
The company has a current ratio of 0, with a Debt / Equity ratio of 0.8.
| Current Ratio | 0 |
| Quick Ratio | 0 |
| Debt / Equity | 0.8 |
| Debt / EBITDA | - |
| Debt / FCF | 5.08 |
| Interest Coverage | 0 |
Financial Efficiency
Return on Equity is 11.46% and Return on Invested Capital is 0%.
| Return on Equity | 11.46% |
| Return on Assets | 0.96% |
| Return on Invested Capital | 0% |
| Revenue Per Employee | $415.46K |
| Profits Per Employee | $123.99K |
| Employee Count | 199 |
| Asset Turnover | 0.03 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 7.8M |
| Effective Tax Rate | 24.03% |
Stock Price Statistics
The stock price has increased by 54.02% in the last 52 weeks. The beta is 0.65, so USCB Financial's price volatility has been higher than the market average.
| Beta | 0.65 |
| 52-Week Price Change | 54.02% |
| 50-Day Moving Average | 18.83 |
| 200-Day Moving Average | 16.67 |
| Relative Strength Index (RSI) | 30.69 |
| Average Volume (20 Days) | 26.88K |
Income Statement
In the last 12 months, USCB Financial had revenue of 82.68M and earned 24.67M in profits. Earnings per share was 1.25.
| Revenue | 82.68M |
| Gross Profit | 82.68M |
| Operating Income | 0 |
| Net Income | 24.67M |
| EBITDA | 0 |
| EBIT | -587K |
| Earnings Per Share (EPS) | 1.25 |
Balance Sheet
The company has 77.03M in cash and 171.45M in debt, giving a net cash position of -94.42M.
| Cash & Cash Equivalents | 77.03M |
| Total Debt | 171.45M |
| Net Cash | -94.42M |
| Retained Earnings | -67.81M |
| Total Assets | 2.58B |
| Working Capital | 294.24M |
Cash Flow
In the last 12 months, operating cash flow was 34.09M and capital expenditures -314K, giving a free cash flow of 33.78M.
| Operating Cash Flow | 34.09M |
| Capital Expenditures | -314K |
| Free Cash Flow | 33.78M |
| FCF Per Share | 1.72 |
Margins
Gross margin is 100%, with operating and profit margins of 0% and 29.84%.
| Gross Margin | 100% |
| Operating Margin | n/a |
| Pretax Margin | 39.28% |
| Profit Margin | 29.84% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 40.85% |
Dividends & Yields
USCB pays an annual dividend of $0.3, which amounts to a dividend yield of 1.34%.
| Dividend Per Share | $0.30 |
| Dividend Yield | 1.34% |
| Dividend Growth (YoY) | 100% |
| Payout Ratio | 24.19% |
| Earnings Yield | 7.06% |
| FCF Yield | 9.67% |
Analyst Forecast
The average price target for USCB is $18.25, which is 7% higher than the current price. The consensus rating is "Buy".
| Price Target | $18.25 |
| Price Target Difference | 7% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
Scores
| Altman Z-Score | 0.24 |
| Piotroski F-Score | 6 |