19.15 USD
-0.66 (-3.33%)
19.15 USD
0 (0%)
Overall USCB gets a fundamental rating of 5 out of 10. We evaluated USCB against 388 industry peers in the Banks industry. While USCB is still in line with the averages on profitability rating, there are concerns on its financial health. USCB is growing strongly while it also seems undervalued. This is an interesting combination
1. Profitability
1.1 Basic Checks
In the past year USCB was profitable.
In the past year USCB had a positive cash flow from operations.
USCB had positive earnings in 4 of the past 5 years.
In the past 5 years USCB always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 1.14%, USCB is doing good in the industry, outperforming 72.68% of the companies in the same industry.
The Return On Equity of USCB (15.13%) is better than 93.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.14% | ||
| ROE | 15.13% | ||
| ROIC | N/A |
ROA(3y)0.88%
ROA(5y)-0.13%
ROE(3y)10.37%
ROE(5y)0.2%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 33.24%, USCB belongs to the top of the industry, outperforming 86.86% of the companies in the same industry.
USCB's Profit Margin has improved in the last couple of years.
USCB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 33.24% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y9.28%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
USCB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, USCB has more shares outstanding
Compared to 5 years ago, USCB has less shares outstanding
USCB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
USCB has a debt to FCF ratio of 0.79. This is a very positive value and a sign of high solvency as it would only need 0.79 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.79, USCB is in the better half of the industry, outperforming 72.42% of the companies in the same industry.
USCB has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of USCB (0.19) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.79 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.77%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
USCB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 54.37%, which is quite impressive.
The Earnings Per Share has been growing by 23.68% on average over the past years. This is a very strong growth
Looking at the last year, USCB shows a very strong growth in Revenue. The Revenue has grown by 26.24%.
Measured over the past years, USCB shows a quite strong growth in Revenue. The Revenue has been growing by 13.06% on average per year.
EPS 1Y (TTM)54.37%
EPS 3YN/A
EPS 5Y23.68%
EPS Q2Q%34.29%
Revenue 1Y (TTM)26.24%
Revenue growth 3Y9.37%
Revenue growth 5Y13.06%
Sales Q2Q%15.83%
3.2 Future
Based on estimates for the next years, USCB will show a very strong growth in Earnings Per Share. The EPS will grow by 24.08% on average per year.
Based on estimates for the next years, USCB will show a quite strong growth in Revenue. The Revenue will grow by 13.96% on average per year.
EPS Next Y43.36%
EPS Next 2Y32.03%
EPS Next 3Y24.08%
EPS Next 5YN/A
Revenue Next Year19.91%
Revenue Next 2Y16.51%
Revenue Next 3Y13.96%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
USCB is valuated correctly with a Price/Earnings ratio of 12.04.
USCB's Price/Earnings ratio is a bit cheaper when compared to the industry. USCB is cheaper than 60.82% of the companies in the same industry.
When comparing the Price/Earnings ratio of USCB to the average of the S&P500 Index (26.38), we can say USCB is valued rather cheaply.
The Price/Forward Earnings ratio is 8.93, which indicates a very decent valuation of USCB.
Based on the Price/Forward Earnings ratio, USCB is valued cheaper than 81.19% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of USCB to the average of the S&P500 Index (23.83), we can say USCB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.04 | ||
| Fwd PE | 8.93 |
4.2 Price Multiples
85.82% of the companies in the same industry are more expensive than USCB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.01 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
USCB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
USCB's earnings are expected to grow with 24.08% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.28
PEG (5Y)0.51
EPS Next 2Y32.03%
EPS Next 3Y24.08%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.02%, USCB has a reasonable but not impressive dividend return.
USCB's Dividend Yield is slightly below the industry average, which is at 2.73.
Compared to an average S&P500 Dividend Yield of 1.87, USCB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.02% |
5.2 History
USCB is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
USCB pays out 21.83% of its income as dividend. This is a sustainable payout ratio.
DP21.83%
EPS Next 2Y32.03%
EPS Next 3Y24.08%
19.15
-0.66 (-3.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners53.13%
Inst Owner Change24.59%
Ins Owners2.85%
Ins Owner Change-58.2%
Market Cap346.81M
Revenue(TTM)95.18M
Net Income(TTM)31.64M
Analysts80
Price Target21.27 (11.07%)
Short Float %0.95%
Short Ratio3.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.02% |
Yearly Dividend0.2
Dividend Growth(5Y)N/A
DP21.83%
Div Incr Years0
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.45%
Min EPS beat(2)3.2%
Max EPS beat(2)9.71%
EPS beat(4)2
Avg EPS beat(4)0.83%
Min EPS beat(4)-8.68%
Max EPS beat(4)9.71%
EPS beat(8)5
Avg EPS beat(8)1.8%
EPS beat(12)6
Avg EPS beat(12)-2.24%
EPS beat(16)7
Avg EPS beat(16)-0.71%
Revenue beat(2)1
Avg Revenue beat(2)-0.69%
Min Revenue beat(2)-2.25%
Max Revenue beat(2)0.88%
Revenue beat(4)2
Avg Revenue beat(4)-0.81%
Min Revenue beat(4)-2.44%
Max Revenue beat(4)0.88%
Revenue beat(8)5
Avg Revenue beat(8)-0.33%
Revenue beat(12)5
Avg Revenue beat(12)-2.93%
Revenue beat(16)8
Avg Revenue beat(16)-1.94%
PT rev (1m)0.48%
PT rev (3m)0.97%
EPS NQ rev (1m)-11.12%
EPS NQ rev (3m)0.09%
EPS NY rev (1m)0.05%
EPS NY rev (3m)6.22%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)2.3%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.04 | ||
| Fwd PE | 8.93 | ||
| P/S | 3.64 | ||
| P/FCF | 7.01 | ||
| P/OCF | 6.97 | ||
| P/B | 1.66 | ||
| P/tB | 1.66 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.59
EY8.3%
EPS(NY)2.14
Fwd EY11.2%
FCF(TTM)2.73
FCFY14.27%
OCF(TTM)2.75
OCFY14.35%
SpS5.26
BVpS11.55
TBVpS11.55
PEG (NY)0.28
PEG (5Y)0.51
Graham Number20.32
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.14% | ||
| ROE | 15.13% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 33.24% | ||
| GM | N/A | ||
| FCFM | 52.01% |
ROA(3y)0.88%
ROA(5y)-0.13%
ROE(3y)10.37%
ROE(5y)0.2%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y9.28%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.19 | ||
| Debt/FCF | 0.79 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 43.82% | ||
| Cap/Sales | 0.28% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 156.44% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.77%
ROIC/WACCN/A
Cap/Depr(3y)59.41%
Cap/Depr(5y)53.39%
Cap/Sales(3y)0.53%
Cap/Sales(5y)0.66%
Profit Quality(3y)138.51%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)54.37%
EPS 3YN/A
EPS 5Y23.68%
EPS Q2Q%34.29%
EPS Next Y43.36%
EPS Next 2Y32.03%
EPS Next 3Y24.08%
EPS Next 5YN/A
Revenue 1Y (TTM)26.24%
Revenue growth 3Y9.37%
Revenue growth 5Y13.06%
Sales Q2Q%15.83%
Revenue Next Year19.91%
Revenue Next 2Y16.51%
Revenue Next 3Y13.96%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y91.24%
FCF growth 3Y16.39%
FCF growth 5Y20.18%
OCF growth 1Y87.76%
OCF growth 3Y15.63%
OCF growth 5Y18.91%
USCB FINANCIAL HOLDINGS INC / USCB FAQ
What is the fundamental rating for USCB stock?
ChartMill assigns a fundamental rating of 5 / 10 to USCB.
What is the valuation status for USCB stock?
ChartMill assigns a valuation rating of 6 / 10 to USCB FINANCIAL HOLDINGS INC (USCB). This can be considered as Fairly Valued.
Can you provide the profitability details for USCB FINANCIAL HOLDINGS INC?
USCB FINANCIAL HOLDINGS INC (USCB) has a profitability rating of 4 / 10.
What is the valuation of USCB FINANCIAL HOLDINGS INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for USCB FINANCIAL HOLDINGS INC (USCB) is 12.04 and the Price/Book (PB) ratio is 1.66.
Can you provide the financial health for USCB stock?
The financial health rating of USCB FINANCIAL HOLDINGS INC (USCB) is 3 / 10.