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USBC
(NYSE MKT:USBC)
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Rating:44Neutral
Price Target:
$0.33
▼(-31.39% Downside)
Action:Reiterated
Date:08/08/26
USBC scores low primarily due to extremely weak financial performance (very large TTM losses and heavy cash burn), which outweighs other factors. Technical signals are broadly neutral and corporate events are positive on product development, but neither offsets the high fundamental risk; valuation is also unattractive/unclear due to negative earnings and no dividend support.
Positive Factors
Product development progress
USBC’s multi‑phase delivery and internal pilot progressing into wider testing, plus USBC Pay, constitute a durable product development trajectory. Advancing core infrastructure and payments functionality creates a path to monetize blockchain‑based USD deposits and embed payments into merchant flows once regulatory and partner approvals are secured.
Negative Factors
Extreme cash burn
Sustained, very large negative operating and free cash flows create a structural funding vulnerability. Over months, continued cash burn forces repeated external financing or asset sales, increases dilution risk, and constrains consistent investment in product scaling, partner integration, and regulatory readiness.
Read all positive and negative factors
Positive Factors
Negative Factors
Product development progress
USBC’s multi‑phase delivery and internal pilot progressing into wider testing, plus USBC Pay, constitute a durable product development trajectory. Advancing core infrastructure and payments functionality creates a path to monetize blockchain‑based USD deposits and embed payments into merchant flows once regulatory and partner approvals are secured.
Read all positive factors
USBC (USBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$125.37M
Dividend YieldN/A
Average Volume (3M)608.13K
Price to Earnings (P/E)―
Beta (1Y)2.32
Revenue GrowthN/A
EPS Growth88.87%
CountryUS
Employees24
SectorTechnology
Sector Strength88
IndustryHardware, Equipment & Parts
Share Statistics
EPS (TTM)N/A
Shares Outstanding388,144,440
10 Day Avg. Volume280,969
30 Day Avg. Volume608,129
Financial Highlights & Ratios
PEG Ratio0.04
Price to Book (P/B)0.87
Price to Sales (P/S)0.00
P/FCF Ratio-11.12
Enterprise Value/Market Cap1.17
Enterprise Value/RevenueN/A
Enterprise Value/Gross Profit-3.84K
Enterprise Value/Ebitda-1.67
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 s...
USBC Financial Statement Overview
Summary
Income Statement
6
Very Negative
Balance Sheet
38
Negative
Cash Flow
4
Very Negative
| Breakdown | TTM | Sep 2025 | Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 4.36M | 0.00 |
| Gross Profit | -38.20K | 0.00 | -270.17K | -313.02K | 4.04M | -200.81K |
| EBITDA | -87.87M | -19.31M | -14.80M | -14.59M | -11.73M | -10.25M |
| Net Income | -20.85B | -22.12M | -16.58M | -15.29M | -20.07M | -25.36M |
Balance Sheet | ||||||
| Total Assets | 66.49B | 125.08M | 3.66M | 8.27M | 13.76M | 12.89M |
| Cash, Cash Equivalents and Short-Term Investments | 2.98B | 8.82M | 3.11M | 8.02M | 12.59M | 12.26M |
| Total Debt | 193.90M | 342.79K | 5.08M | 2.92M | 2.56M | 9.91M |
| Total Liabilities | 20.09B | 27.96M | 5.82M | 4.52M | 3.90M | 11.65M |
| Stockholders Equity | 46.40B | 97.12M | -2.16M | 3.74M | 9.86M | 1.24M |
Cash Flow | ||||||
| Free Cash Flow | -15.23B | -7.60M | -12.90M | -10.43M | -7.78M | -7.15M |
| Operating Cash Flow | -15.23B | -7.60M | -12.83M | -10.35M | -6.92M | -6.85M |
| Investing Cash Flow | -225.00M | 0.00 | -66.35K | -80.80K | -855.47K | -299.52K |
| Financing Cash Flow | 15.01B | 13.31M | 7.98M | 5.86M | 8.11M | 15.11M |
USBC Technical Analysis
Neutral
0.48
Price Trends
0.34
Positive
0.36
Negative
0.50
Negative
Market Momentum
<0.01
Negative
50.65
Neutral
60.43
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For USBC, the sentiment is Neutral. The current price of 0.480979 is above the 20-day moving average (MA) of 0.33, above the 50-day MA of 0.34, and below the 200-day MA of 0.50, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 50.65 is Neutral, neither overbought nor oversold. The STOCH value of 60.43 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
USBC Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
53 Neutral | $688.16M | -20.87 | -41.18% | ― | 86.66% | -97.48% | |
52 Neutral | $530.71M | -6.54 | -3465.39% | ― | ― | ― | |
51 Neutral | $122.57M | -1.74 | -56.90% | ― | 62.35% | -46.70% | |
45 Neutral | $93.17M | -0.87 | -139.20% | ― | -64.10% | 31.45% | |
45 Neutral | $192.45M | -0.54 | -257.31% | ― | 5.62% | 76.20% | |
44 Neutral | $125.37M | -1.07 | -114.46% | ― | ― | 88.87% |
* Technology Sector Average
USBC
USBC
0.34
-1.90
-84.82%
LPTH
Lightpath Technologies
13.06
9.41
257.81%
MVIS
Microvision
3.39
-13.57
-80.03%
KULR
KULR Technology Group
2.92
-2.34
-44.49%
SLNH
Soluna Holdings
1.17
0.72
160.00%
SATL
Satellogic
5.52
2.24
68.29%
USBC Corporate Events
Business Operations and StrategyProduct-Related Announcements
USBC Advances Tokenized Deposit Platform and USBC Pay
Positive
Aug 3, 2026
On March 10, 2026, USBC began Phase 1 of its multi‑phase delivery strategy for its tokenized deposit product, running an internal employee pilot to test core functions such as onboarding, funding, spending, treasury conversion, messaging, an...
Business Operations and StrategyStock Split
USBC Approves Reverse Stock Split to Support Capital Raising
Neutral
Jun 22, 2026
USBC, Inc., a growth-stage fintech focused on a U.S.-dollar denominated tokenized deposit built on blockchain and embedded with digital identity, has progressed its multi-phase delivery strategy since March 10, 2026, by completing core infrastruct...
Business Operations and StrategyProduct-Related Announcements
USBC Advances Tokenized Deposit Platform Development and Testing
Positive
Jun 4, 2026
Since initiating Phase 1 of its tokenized deposit product delivery strategy on March 10, 2026, USBC has built core infrastructure and completed initial technical readiness testing with internal users, validating features such as onboarding, identi...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.