Latest Ratios: P/E Ratio 15.7x · EV/EBITDA 10.5x · ROE 12.2%. (2019–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Market Cap | $373M | $338M | $352M | $241M | $246M | $274M | — | — |
| Enterprise Value | $381M | $346M | $446M | $395M | $252M | $278M | — | — |
| P/E Ratio → | 15.69 | 14.17 | 14.31 | 14.58 | 12.20 | — | — | — |
| P/S Ratio | 2.45 | 2.22 | 2.44 | 2.22 | 3.23 | 4.29 | — | — |
| P/B Ratio | 1.76 | 1.59 | 1.63 | 1.26 | 1.35 | 1.34 | — | — |
| P/FCF | 8.77 | 7.95 | 10.42 | 10.78 | 8.53 | 12.80 | — | — |
| P/OCF | 8.70 | 7.90 | 10.33 | 10.70 | 8.33 | 12.43 | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.28 | 3.10 | 3.64 | 3.31 | 4.35 | — | — |
| EV / EBITDA | 10.47 | 9.52 | 13.50 | 17.62 | 9.09 | 9.69 | — | — |
| EV / EBIT | 10.61 | 9.64 | 13.75 | 18.10 | 9.32 | 10.05 | — | — |
| EV / FCF | — | 8.15 | 13.22 | 17.63 | 8.74 | 12.98 | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 58.1% | 58.1% | 55.2% | 58.7% | 87.0% | 93.6% | 79.1% | 100.0% |
| Operating Margin | 23.6% | 23.6% | 22.6% | 20.1% | 35.6% | 43.3% | 22.8% | 31.5% |
| Net Profit Margin | 17.2% | 17.2% | 17.1% | 15.3% | 26.4% | 33.0% | 18.4% | 23.2% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| ROE | 12.2% | 12.2% | 12.1% | 8.8% | 10.4% | 11.2% | 6.5% | 6.5% |
| ROA | 1.0% | 1.0% | 1.0% | 0.7% | 1.0% | 1.3% | 0.8% | 0.8% |
| ROIC | 7.8% | 7.8% | 6.3% | 5.2% | 8.2% | 8.7% | 4.8% | 5.3% |
| ROCE | 10.8% | 10.8% | 8.6% | 7.0% | 10.9% | 11.6% | 1.7% | 1.1% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.43 | 0.43 | 0.80 | 1.01 | 0.33 | 0.25 | 0.30 | 0.26 |
| Debt / EBITDA | 2.50 | 2.50 | 5.19 | 8.69 | 2.17 | 1.75 | 3.44 | 2.67 |
| Net Debt / Equity | — | 0.04 | 0.44 | 0.80 | 0.03 | 0.02 | 0.02 | 0.03 |
| Net Debt / EBITDA | 0.23 | 0.23 | 2.86 | 6.85 | 0.22 | 0.14 | 0.19 | 0.34 |
| Debt / FCF | — | 0.20 | 2.80 | 6.85 | 0.22 | 0.18 | 0.22 | 0.39 |
| Interest Coverage | 0.58 | 0.58 | 0.53 | 0.51 | 3.64 | 6.55 | 1.48 | — |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.03 | 0.03 | 0.14 | 0.14 | 0.03 | 0.03 | 0.04 | 80.14 |
| Quick Ratio | 0.03 | 0.03 | 0.14 | 0.14 | 0.03 | 0.03 | 0.04 | 80.14 |
| Cash Ratio | 0.03 | 0.03 | 0.03 | 0.02 | 0.03 | 0.03 | 0.04 | 80.14 |
| Asset Turnover | — | 0.05 | 0.06 | 0.05 | 0.04 | 0.03 | 0.04 | 0.03 |
| Inventory Turnover | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.1% | 2.3% | 1.1% | — | — | 0.8% | — | — |
| Payout Ratio | — | — | — | — | — | — | — | 17.6% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.4% | 7.1% | 7.0% | 6.9% | 8.2% | — | — | — |
| FCF Yield | 11.4% | 12.6% | 9.6% | 9.3% | 11.7% | 7.8% | — | — |
| Buyback Yield | 9.3% | 10.2% | 0.1% | 3.1% | 0.0% | 6.9% | — | — |
| Total Shareholder Yield | 11.4% | 12.5% | 1.3% | 3.1% | 0.0% | 7.7% | — | — |
| Shares Outstanding | — | $18M | $20M | $20M | $20M | $20M | $19M | $10M |
CRE concentration and provisioning
Based on reported figures, USCB trades at a P/B of 1.77, which appears elevated relative to peers like OceanFirst Financial, suggesting the market may be pricing in a premium for its South Florida footprint despite the recent volatility in core profitability metrics and earnings quality.
The current P/B multiple warrants caution as it implies an expectation of superior long-term ROTCE that the bank's recent 4.3% ROE struggle to justify. Investors should monitor whether this valuation premium is sustainable if the bank continues to face significant provisioning headwinds that depress tangible book value growth.
According to quarterly financial data, USCB's ROE of 4.3% in 2026Q1 remains constrained by a thin NIM of 0.8% and a deteriorating efficiency ratio, indicating that the bank's profitability is currently struggling to overcome the combined impact of rising funding costs and elevated credit loss provisions.
The decomposition suggests that the bank's reliance on interest-bearing liabilities is actively eroding the spread between asset yields and funding costs. Without a meaningful improvement in non-interest income contribution, the bank's ability to drive ROE expansion appears limited by its current operating cost structure.
As reported in financial statements, the efficiency ratio spiked to 52.3% in 2026Q1, a sharp departure from the 31-34% range observed throughout 2025, which suggests that the bank is facing difficulty in scaling its operations amidst a highly competitive and liquidity-constrained South Florida banking environment.
This deterioration in the efficiency ratio may indicate that fixed costs are becoming a larger burden as revenue growth stalls. Investors should investigate whether this is a temporary spike related to regulatory compliance or a structural shift in the bank's ability to manage its operating leverage.
Based on recent SEC filings, the equity-to-assets ratio remains stagnant at 0.08, providing a relatively thin capital buffer that may restrict the bank's capacity for aggressive loan growth or sustained capital returns in the face of ongoing credit provisioning requirements.
The current capital position appears vulnerable to further asset quality deterioration, particularly given the bank's heavy concentration in commercial real estate. Maintaining this level of capitalization may necessitate a more conservative approach to balance sheet expansion until earnings volatility subsides.
As indicated by the 2026Q1 data, the P/E ratio is a frequently misapplied metric for USCB because it fails to account for the significant, non-recurring impact of CECL-driven credit loss provisions that can artificially depress earnings and create misleading valuation signals for investors.
Analysts should prioritize P/TBV over P/E when evaluating this bank, as the latter is highly sensitive to the timing of loan loss provisions which do not necessarily reflect the underlying cash-generating capacity of the franchise. Relying on P/E may lead to an underestimation of the bank's true earnings power during periods of proactive reserve building.
Includes 30+ ratios · 7 years · Updated daily
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Quick answers to the most common questions about buying USCB stock.
USCB Financial Holdings, Inc.'s current P/E ratio is 15.7x. The historical average is 13.8x. This places it at the 100th percentile of its historical range.
USCB Financial Holdings, Inc.'s current EV/EBITDA is 10.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 11.9x.
USCB Financial Holdings, Inc.'s return on equity (ROE) is 12.2%. The historical average is 9.7%.
Based on historical data, USCB Financial Holdings, Inc. is trading at a P/E of 15.7x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
USCB Financial Holdings, Inc.'s current dividend yield is 2.09%.
USCB Financial Holdings, Inc. has 58.1% gross margin and 23.6% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
USCB Financial Holdings, Inc.'s Debt/EBITDA ratio is 2.5x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.