USBC AI Stock Analysis
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USBC (USBC) AI Stock Analysis
USBC
(NYSE MKT:USBC)
The score is driven primarily by weak financial performance—sustained operating losses and ongoing cash burn with signs of low earnings quality—followed by bearish technical conditions (price below key moving averages with negative momentum). Valuation is constrained by a negative P/E and no provided dividend yield, while the recent financing event modestly supports liquidity but adds collateral/liquidation risk tied to bitcoin.
USBC (USBC) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $151.77M
- Dividend Yield
- ―
- Average Volume (3M)
- 308.06K
- Price to Earnings (P/E)
- -2.2
- Beta (1Y)
- 2.38
- Revenue Growth
- ―
- EPS Growth
- 97.21%
- Country
- US
- Employees
- 24
- Sector
- Technology
- Sector Strength
- 61
- Industry
- Hardware, Equipment & Parts
USBC Business Overview & Revenue Model
Company Description
USBC, Inc., along with its affiliated companies, operates within the digital financial technology industry across the United States. The firm is dedicated to creating groundbreaking financial services, such as digital assets and advanced banking solu...
USBC Earnings Call Summary
The earnings call presented a mix of promising technological advancements and clinical results, coupled with financial challenges and a need for further capital. The company is making significant strides in product development and intellectual property, but faces issues with cash reserves and shareholder equity.
Q2-2024 Updates
Positive Updates
Negative Updates
Company Guidance
During the Know Labs Q2 2024 earnings call, the company provided several updates and guidance on its progress across key work streams. The company highlighted the development of its Generation 1 and Generation 2 (KnowU) noninvasive continuous glucose monitoring devices, with the latter being smaller, lighter, and equipped with built-in machine learning capabilities. Clinical trials have been promising, with a mean absolute relative difference (MARD) of 11.1% achieved, and plans to improve this to 10% or less. Financially, Know Labs reported an operating loss of $4.73 million, a slight improvement from the previous year, and maintained a cash balance of $4.71 million as of March 31, 2024. The company has secured up to $12 million in funding to support its core work streams and plans to raise additional funds through equity offerings to address its negative shareholder equity of $1.75 million. Know Labs is also actively expanding its intellectual property portfolio, with over 300 patents issued or pending globally. The company is positioning itself to achieve FDA clearance and commercialize its innovative glucose monitoring technology while exploring international opportunities.
USBC Financial Statement Overview
Summary
Income statement and cash flow are the key weaknesses: persistent operating losses and net losses across 2021–2025, plus negative operating cash flow/free cash flow in every period including TTM indicate ongoing cash burn and weak earnings quality. While the balance sheet shows low leverage in the latest periods, the sharp swing from negative equity in 2024 to a much stronger TTM snapshot suggests volatility and possible one-time effects rather than steady operating improvement.
Income Statement
22NegativeBalance Sheet
58NeutralCash Flow
18Very Negative| Breakdown | TTM | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 0 | 0 | 0 | 0 | 4.36M | 0 |
| Gross Profit | -38.20K | 0 | -270.17K | -313.02K | 4.04M | -200.81K |
| EBITDA | -101.16M | -19.31M | -14.80M | -14.59M | -11.73M | -10.25M |
| Net Income | 4.87B | -22.12M | -16.58M | -15.29M | -20.07M | -25.36M |
Balance Sheet | ||||||
| Total Assets | 91.80B | 125.08M | 3.66M | 8.27M | 13.76M | 12.89M |
| Cash, Cash Equivalents and Short-Term Investments | 3.47B | 8.82M | 3.11M | 8.02M | 12.59M | 12.26M |
| Total Debt | 172.24M | 342.79K | 5.08M | 2.92M | 2.56M | 9.91M |
| Total Liabilities | 30.87B | 27.96M | 5.82M | 4.52M | 3.90M | 11.65M |
| Stockholders Equity | 60.93B | 97.12M | -2.16M | 3.74M | 9.86M | 1.24M |
Cash Flow | ||||||
| Free Cash Flow | -28.14M | -7.60M | -12.90M | -10.43M | -7.78M | -7.15M |
| Operating Cash Flow | -28.14M | -7.60M | -12.83M | -10.35M | -6.92M | -6.85M |
| Investing Cash Flow | -450.00K | 0 | -66.35K | -80.80K | -855.47K | -299.52K |
| Financing Cash Flow | 23.90M | 13.31M | 7.98M | 5.86M | 8.11M | 15.11M |
USBC Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For USBC, the sentiment is Negative. The current price of 0.39 is below the 20-day moving average (MA) of 0.42, below the 50-day MA of 0.47, and below the 200-day MA of 0.41, indicating a bearish trend. The MACD of -0.03 indicates Positive momentum. The RSI at 36.47 is Neutral, neither overbought nor oversold. The STOCH value of 22.30 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for USBC.
USBC Risk Analysis
USBC disclosed 33 risk factors in its most recent earnings report. USBC reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksUSBC Peers Comparison
Overall Rating
MVIS54Neutral
KULR44Neutral
LPTH44Neutral
SLNH44Neutral- USBC41Neutral
SATL40Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| Sector * | 61Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% |
| MVIS | 54Neutral | $39.15M | -0.22 | -324.21% | ― | 90.93% | 6.02% |
| KULR | 44Neutral | $92.10M | -1.05 | -97.97% | ― | 3.06% | -201.69% |
| LPTH | 44Neutral | $560.01M | -21.25 | -15.47% | ― | 76.53% | 6.64% |
| SLNH | 44Neutral | $128.90M | -0.32 | -111.97% | ― | 50.86% | 75.73% |
| USBC | 41Neutral | $142.73M | -2.20 | 31.88% | ― | ― | 97.21% |
| SATL | 40Underperform | $599.59M | -8.09 | -240.68% | ― | ― | ― |
* Technology Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| USBC | Usbc, Inc. | 0.39 | -0.36 | -47.87% | |
| LPTH | Lightpath | 7.52 | 0.86 | 12.91% | |
| MVIS | Microvision | 1.14 | -12.57 | -91.69% | |
| KULR | KULR Technology Group | 2.05 | -0.72 | -25.99% | |
| SLNH | Soluna Holdings, Inc. | 0.58 | -1.27 | -68.76% | |
| SATL | Satellogic Inc. | 3.80 | 2.29 | 151.66% |
USBC Corporate Events
USBC Expands Bitcoin-Backed Credit Facility and Collateral Framework
PositiveOn October 12, 2026, USBC amended its Master Loan Agreement with Payward Interactive, increasing its borrowing capacity from $25 million to $40 million while keeping $21 million of existing debt unchanged and leaving $19 million available, all secure...
USBC Secures Insider-Backed Promissory Note Financing
NeutralOn September 25, 2026, USBC, Inc. entered into an unsecured promissory note with Goldeneye 1995 LLC, allowing Goldeneye to advance up to $22.0 million in a single term loan bearing 8.5% annual interest and maturing on September 25, 2029. The note may...
USBC CFO Kitty Payne Departs for Vast Bank Role
NeutralOn August 21, 2026, USBC, Inc. disclosed that Chief Financial Officer Kitty Payne had notified the company of her decision to leave her CFO role to become Chief Financial Officer of Vast Bank, N.A., effective August 31, 2026. The move, which the comp...
USBC appoints seasoned banking executive Daniel Beck CFO
NeutralOn August 21, 2026, USBC, Inc. appointed veteran banking and fintech executive Daniel J. Beck as its Chief Financial Officer, effective August 27, 2026, with at-will employment terms. His compensation package includes a $400,000 annual base salary an...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Nov 07, 2026