USCB Financial Holdings, Inc. Class A(USCB)
$19.99+0.11 (+0.55%)
USCB
USCB Financial Holdings, Inc. Class A financials statements
$19.99
At close:+0.11 (+0.55%)
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USCB Financial Holdings, Inc. Class A (USCB) Ratios
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USCB Financial Holdings, Inc. Class A Ratios
USCB's free cash flow for Q3 2026 was $0.00. For the 2026 fiscal year, USCB's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.03 | 0.14 | 0.14 | 0.03 | 0.03 |
| Quick Ratio | 0.03 | 0.14 | 0.14 | 0.03 | 0.03 |
| Cash Ratio | 0.03 | 0.03 | 0.02 | 0.03 | 0.03 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.02 | 0.02 | 0.01 | 0.02 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 0.83 | 2.13 | 4.51 | 0.00 | 0.00 |
| Net Current Asset Value | $ -2.51B | $ -2.06B | $ -1.87B | $ -1.84B | $ -1.60B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.03 | 0.07 | 0.08 | 0.03 | 0.03 |
| Debt-to-Equity Ratio | 0.43 | 0.80 | 1.01 | 0.33 | 0.25 |
| Debt-to-Capital Ratio | 0.30 | 0.44 | 0.50 | 0.25 | 0.20 |
| Long-Term Debt-to-Capital Ratio | 0.16 | 0.41 | 0.48 | 0.20 | 0.15 |
| Financial Leverage Ratio | 13.18 | 11.98 | 12.18 | 11.43 | 9.09 |
| Debt Service Coverage Ratio | 0.24 | 0.33 | 0.36 | 2.80 | 5.23 |
| Interest Coverage Ratio | 0.58 | 0.53 | 0.51 | 3.64 | 6.55 |
| Debt to Market Cap | 0.27 | 0.47 | 0.76 | 0.19 | 0.13 |
| Interest Debt Per Share | 8.42 | 11.83 | 12.07 | 3.39 | 2.80 |
| Net Debt to EBITDA | 0.23 | 2.86 | 6.85 | 0.22 | 0.14 |
| Profitability Margins | |||||
| Gross Profit Margin | 58.13% | 55.23% | 58.66% | 86.96% | 93.64% |
| EBIT Margin | 23.62% | 22.56% | 20.10% | 35.56% | 43.29% |
| EBITDA Margin | 24.02% | 22.97% | 20.65% | 36.46% | 44.90% |
| Operating Profit Margin | 23.62% | 22.56% | 20.10% | 35.56% | 43.29% |
| Pretax Profit Margin | 23.62% | 22.56% | 20.10% | 35.56% | 43.29% |
| Net Profit Margin | 17.16% | 17.14% | 15.26% | 26.44% | 32.97% |
| Continuous Operations Profit Margin | 17.16% | 17.14% | 15.26% | 26.44% | 32.97% |
| Net Income Per EBT | 72.67% | 75.97% | 75.91% | 74.36% | 76.15% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.93% | 0.96% | 0.71% | 0.97% | 1.14% |
| Return on Equity (ROE) | 12.29% | 11.46% | 8.62% | 11.04% | 10.34% |
| Return on Capital Employed (ROCE) | 12.17% | 8.76% | 5.71% | 11.15% | 10.89% |
| Return on Invested Capital (ROIC) | 10.54% | 6.38% | 4.28% | 8.29% | 8.30% |
| Return on Tangible Assets | 0.93% | 0.96% | 0.71% | 0.97% | 1.14% |
| Earnings Yield | 7.82% | 7.06% | 6.88% | 8.25% | 7.73% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 13.15 | 10.14 | 10.09 | 10.70 |
| Payables Turnover | 0.03 | 3.16 | 2.88 | 0.72 | 0.43 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 0.00 | 11.06 | 6.67 | 3.87 | 3.29 |
| Asset Turnover | 0.05 | 0.06 | 0.05 | 0.04 | 0.03 |
| Working Capital Turnover Ratio | -0.07 | -0.08 | -0.06 | -0.05 | -0.05 |
| Cash Conversion Cycle | -14062.46 | -87.62 | -90.77 | -468.31 | -816.72 |
| Days of Sales Outstanding | 0.00 | 27.75 | 35.98 | 36.16 | 34.11 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 14062.46 | 115.37 | 126.75 | 504.47 | 850.83 |
| Operating Cycle | 0.00 | 27.75 | 35.98 | 36.16 | 34.11 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 2.36 | 1.73 | 1.15 | 1.48 | 1.13 |
| Free Cash Flow Per Share | 2.35 | 1.72 | 1.14 | 1.44 | 1.10 |
| Dividend Paid and CapEx Coverage Ratio | 5.26 | 8.02 | 138.32 | 43.89 | 8.14 |
| Capital Expenditure Coverage Ratio | 141.27 | 108.57 | 138.32 | 43.89 | 34.84 |
| Operating Cash Flow Coverage Ratio | 0.47 | 0.20 | 0.12 | 0.49 | 0.44 |
| Operating Cash Flow to Sales Ratio | 0.28 | 0.24 | 0.21 | 0.39 | 0.34 |
| Free Cash Flow Yield | 12.74% | 9.67% | 9.31% | 11.83% | 7.86% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 13.75 | 14.20 | 14.53 | 12.11 | 12.93 |
| Price-to-Sales (P/S) Ratio | 2.19 | 2.43 | 2.22 | 3.20 | 4.26 |
| Price-to-Book (P/B) Ratio | 1.57 | 1.62 | 1.25 | 1.34 | 1.34 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 7.85 | 10.34 | 10.74 | 8.45 | 12.73 |
| Price-to-Operating Cash Flow Ratio | 7.80 | 10.25 | 10.66 | 8.26 | 12.36 |
| Price-to-Earnings Growth (PEG) Ratio | 1.91 | 0.29 | -0.86 | -0.11 | -0.01 |
| Enterprise Value Multiple | 9.36 | 13.42 | 17.59 | 9.01 | 9.63 |
| Enterprise Value | 342.14M | 443.74M | 393.73M | 250.21M | 276.51M |
| EV to EBITDA | 9.36 | 13.42 | 17.59 | 9.01 | 9.63 |
| EV to Sales | 2.25 | 3.08 | 3.63 | 3.29 | 4.32 |
| EV to Free Cash Flow | 8.05 | 13.14 | 17.59 | 8.67 | 12.91 |
| EV to Operating Cash Flow | 7.99 | 13.02 | 17.46 | 8.47 | 12.54 |
| Tangible Book Value Per Share | 11.72 | 10.94 | 9.78 | 9.12 | 10.48 |
| Shareholders’ Equity Per Share | 11.72 | 10.94 | 9.78 | 9.12 | 10.48 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.27 | 0.24 | 0.24 | 0.26 | 0.24 |
| Revenue Per Share | 8.39 | 7.32 | 5.53 | 3.81 | 3.29 |
| Net Income Per Share | 1.44 | 1.25 | 0.84 | 1.01 | 1.08 |
| Tax Burden | 0.73 | 0.76 | 0.76 | 0.74 | 0.76 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.26 | 0.20 | 0.23 | 0.31 | 0.34 |
| Stock-Based Compensation to Revenue | 0.02 | 0.01 | 0.01 | 0.01 | 0.00 |
| Income Quality | 1.64 | 1.38 | 1.36 | 1.47 | 1.05 |
Currency in USD
