USCB Financial Holdings Inc
How the company evolved, year by year. Revenue and debt come from the annual reports — for most companies, the 10-K filings with the SEC since 2009; dividends from the payments themselves.
The bars are a balance on the closing date; the lines are what happened during the year. Revenue above equity is ordinary, not an anomaly — it means the company turns its capital over more than once a year.
Major managers that reported this stock in their latest 13F.
▲ +81.3% over 5Y.
today you would have $1,961.37▲ +96.1%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 5 closed years. Each multiple uses that year’s closing price and that year’s reported numbers — not today’s. The range is set by the annual reports on record.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Year-end price | $18.42 | $17.75 | $12.25 | $12.20 | $14.01 | |
| P/E | — | 13.8x | 14.3x | — | — | — |
| P/S | 3.7x | 3.7x | 4.3x | 3.6x | 3.5x | 4.4x |
| P/B | 1.4x | 1.5x | 1.7x | 1.3x | 1.3x | 1.4x |
Seven formulas applied to what the company reported. None of them predicts a price — each answers what the stock would be worth if its assumption held. The assumption is printed next to every number, because it is the assumption that produces the result.
Square root of 22.5 × earnings × book value — the two ceilings Graham proposed. Blind to intangibles, so it undervalues software and brands.
Earnings growing 7.3% a year plus a 2.1% dividend — Lynch adds the yield to the growth rate, so a payer is not priced like a company that returns nothing. Growth capped at 25%.
Median P/E of 13.4 among peers in the sector.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Cash flow growing 7.3% a year for 10 years, discounted at 10%, then 2.5% forever.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| BCCQBleichroeder Acquisition Corp. III | $10.04 | — | — | — | — | $416.66M |
| ISTRInvestar Holding Corp | $30.29 | 12.5x | 1.1x | 1.58% | 9.94% | $417.31M |
| KFIIK&f Growth Acquisition Corp II | $10.64 | 40.9x | — | — | — | $417.68M |
| CLBRColombier Acquisition Corp. III |
USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various personal and business banking products and services in the United States. The company offers small business administration and yacht lending services; homeowners association services, including deposit collection, lockbox services, payment services, and lending products; jurist advantage and private client group services; correspondent banking services for banks in certain Latin America and the Caribbean countries. It also provides deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, and certificates of deposit; treasury, commercial payment, and cash management services; insured cash sweep and certificate of deposit account registry services; and clients title insurance policies for real estate transactions. The company was founded in 2002 and is headquartered in Doral, Florida.
Company description provided by Yahoo Finance.
| EPS | $1.33 | $1.24 | — | — | — |
| Dividend yield | — | 2.17% | 1.13% | — | — | — |
| Payout | — | 30.08% | 16.13% | — | — | — |
| Profit margin | 29.24% | 28.93% | 29.84% | 25.08% | 29.24% | 33.35% |
| ROE | 11.04% | 12.02% | 11.46% | 8.62% | 11.04% | 10.34% |
Median, not average: a single year of near-zero profit produces a P/E of 400 and would drag an average on its own. P/E years above 200x are left out, the same cut the fair price uses — so this median matches the “its own history” method below. Price and EPS have no median: they are series that grow.
Dividend growing 0.0% a year against a 7.0% required return, taken from the stock’s beta. The only method anchored on what the company pays rather than what it reports.
Not the average of the seven numbers above. Four of the seven start from the same earnings per share — Graham, Lynch, sector multiples and its own history — so averaging all seven would let one input count four times and drown out the others. Instead each family produces one number, and the fair price is the average of the families that answered. A family with two working formulas contributes their average, not two votes.
5 methods answered, across 3 families.
Every formula reads the same reported statements and they can be wrong together. The margin is room for that.
-6.3% from the average.
These are models, not forecasts, and not investment advice. Change one assumption and the number changes with it — that is a property of valuation, not a defect of this page.
| $10.23 |
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| — |
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| $409.17M |
| HTTHigh Templar Tech Ltd | $2.63 | 4.2x | 0.2x | — | 6.18% | $408.4M |
| AVBCAvidia Bancorp, Inc. | $22.10 | 23.3x | 1.1x | 0.72% | 6.06% | $408.22M |