# USCB Financial Holdings Inc. (USCB) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $23.48, market value $434 million.

## Valuation
- **P/E (trailing): 15.1×** (5-yr avg 13.7×, 3-yr avg 13.7×). USCB Financial Holdings Inc. trades at 15.1× trailing earnings, close to its own five-year average of 13.7×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.1×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 1.39**. A PEG of 1.39 is in the range usually read as fairly priced for its growth.
- **Price / book: 1.9×**. The shares trade at 1.9× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 11.3%** (5-yr avg 11.0%). Free cash flow equals 11.3% of the market value, in line with its five-year average of 11.0%. Above 5% is generally attractive.
- **Earnings yield: 6.6%**. The inverse of the P/E: 6.6% of the price is earned each year.

## Profitability
- **Return on equity: 12.0%**. 12.0% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 7.3%**. Earnings per share rose 7.3%.
- **Free-cash-flow growth (3 yr): 13.8%/yr**. Free cash flow has compounded at 13.8% a year over three years.

## Dividends
- **Dividend yield: 2.03%** ($0.45 per share, trailing). USCB Financial Holdings Inc. yields 2.03%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 30%** (17% of free cash flow). 30% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 2**. 2 straight years of increases.

## Price and momentum
- **Total return (1 yr): 37.2%** (YTD 29.2%, 3-mo 25.0%). The shares are up 37.2% over twelve months including dividends.
- **From 52-week high: -1.7%** (43.5% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 72**. An RSI of 72 is in overbought territory; short-term pullbacks are common from here.
- **Beta (1 yr): 0.55** (volatility 26%). Beta of 0.55 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=USCB · Page: https://foliofundamentals.com/stocks/uscb

Not investment advice.