USCB Financial Inc. (USCB)
USCB Financial Statistics
Share Statistics
USCB Financial has 19.84M shares outstanding. The number of shares has increased by 0.97% in one year.
| Shares Outstanding | 19.84M |
| Shares Change (YoY) | 0.97% |
| Shares Change (QoQ) | 1.12% |
| Owned by Institutions (%) | 61.77% |
| Shares Floating | 10.07M |
| Failed to Deliver (FTD) Shares | 38 |
| FTD / Avg. Volume | 0.16% |
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 14.53 and the forward PE ratio is 11.37. USCB Financial's PEG ratio is -0.86.
| PE Ratio | 14.53 |
| Forward PE | 11.37 |
| PS Ratio | 3.78 |
| Forward PS | 3.6 |
| PB Ratio | 1.25 |
| P/FCF Ratio | 10.74 |
| PEG Ratio | -0.86 |
Enterprise Valuation
USCB Financial Inc. has an Enterprise Value (EV) of 393.73M.
| EV / Earnings | 23.8 |
| EV / Sales | 6.19 |
| EV / EBITDA | 17.59 |
| EV / EBIT | 12.8 |
| EV / FCF | 17.59 |
Financial Position
The company has a current ratio of 0.06, with a Debt / Equity ratio of 1.01.
| Current Ratio | 0.06 |
| Quick Ratio | 0.06 |
| Debt / Equity | 1.01 |
| Total Debt / Capitalization | 50.32 |
| Cash Flow / Debt | 0.12 |
| Interest Coverage | 0.72 |
Financial Efficiency
Return on equity (ROE) is 0.09% and return on capital (ROIC) is 6.04%.
| Return on Equity (ROE) | 0.09% |
| Return on Assets (ROA) | 0.01% |
| Return on Capital (ROIC) | 6.04% |
| Revenue Per Employee | $319,618.09 |
| Profits Per Employee | $83,140.7 |
| Employee Count | 199 |
| Asset Turnover | 0.03 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 5.25M |
| Effective Tax Rate | 0.24 |
Stock Price Statistics
The stock price has increased by 73.11% in the last 52 weeks. The beta is 0.64, so USCB Financial's price volatility has been higher than the market average.
| Beta | 0.64 |
| 52-Week Price Change | 73.11% |
| 50-Day Moving Average | 18.52 |
| 200-Day Moving Average | 15.92 |
| Relative Strength Index (RSI) | 48.44 |
| Average Volume (20 Days) | 23.88K |
Income Statement
In the last 12 months, USCB Financial had revenue of 63.6M and earned 16.55M in profits. Earnings per share was 0.84.
| Revenue | 63.6M |
| Gross Profit | 108.42M |
| Operating Income | 30.76M |
| Net Income | 16.55M |
| EBITDA | 22.39M |
| EBIT | 30.76M |
| Earnings Per Share (EPS) | 0.84 |
Balance Sheet
The company has 41.06M in cash and 194.42M in debt, giving a net cash position of -153.36M.
| Cash & Cash Equivalents | 41.06M |
| Total Debt | 194.42M |
| Net Cash | -153.36M |
| Retained Earnings | -88.55M |
| Total Assets | 2.5B |
| Working Capital | 308.78M |
Cash Flow
In the last 12 months, operating cash flow was 22.55M and capital expenditures -163K, giving a free cash flow of 22.38M.
| Operating Cash Flow | 22.55M |
| Capital Expenditures | -163K |
| Free Cash Flow | 22.38M |
| FCF Per Share | 1.14 |
Margins
Gross margin is 170.46%, with operating and profit margins of 48.36% and 26.01%.
| Gross Margin | 170.46% |
| Operating Margin | 48.36% |
| Pretax Margin | 34.27% |
| Profit Margin | 26.01% |
| EBITDA Margin | 35.2% |
| EBIT Margin | 48.36% |
| FCF Margin | 35.19% |
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 | 28.85% |
| Earnings Yield | 4.47% |
| FCF Yield | 6% |
Analyst Forecast
The average price target for USCB is $18.25, which is -2.9% lower than the current price. The consensus rating is "Buy".
| Price Target | $18.25 |
| Price Target Difference | -2.9% |
| Analyst Consensus | Buy |
| Analyst Count | 2 |
Scores
| Altman Z-Score | 0.27 |
| Piotroski F-Score | 6 |