USCB Financial Holdings, Inc. (USCB) is a Banks - Regional company in the Financial Services sector, currently trading at $19.84. It has a SharesGrow Score of 74/100, indicating a above average investment profile with 5 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of USCB = $30.55 (+54% from the current price, the stock appears undervalued).
Valuation: USCB trades at a trailing Price-to-Earnings (P/E) of 13.7 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.27.
Financials: revenue is $152M, +26.9%/yr average growth. Net income is $26M, growing at +12.4%/yr. Net profit margin is 17.2% (healthy). Gross margin is 58.1% (-28.9 pp trend).
Balance sheet: total debt is $91M against $212M equity (Debt-to-Equity (D/E) ratio 0.43, conservative). Current ratio is 0.03 (tight liquidity). Debt-to-assets is 3.2%. Total assets: $2.8B.
Analyst outlook: 3 / 3 analysts rate USCB as buy (100%) — strong consensus.
SharesGrow 7-Criteria breakdown: Value 82/100 (Pass), Growth 90/100 (Pass), Past 100/100 (Pass), Health 33/100 (Fail), Moat 43/100 (Fail), Future 100/100 (Pass), Income 70/100 (Pass).
