USCB Financial Holdings, Inc.

USCB

USCBUSCB Financial Holdings, Inc. US flag

NASDAQ

23.48

USD

+0.32

- -

428.84MMarket Cap

Profitability (USD)

Profitability Ratios API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	11.08	10.43	8.84	12.11	12.07
Return on Assets (%)	- -	1.26	1.02	0.75	1	0.97
Return on Capital (%)	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100
EBITDA Margin (%)	2.56	1.73	1	0.89	0.71	0.69
Operating Margin (%)	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	26.98	46.35	39.41	33.04	39.28	39.81
Profit Margin (%)	21.77	35.3	29.31	25.08	29.84	28.93
Net Income to Common Margin (%)	15.48	31.82	29.31	25.08	29.84	28.93
Effective Tax Rate (%)	19.3	23.85	25.64	24.09	24.03	27.33
Dvd Payout Ratio (%)	- -	- -	- -	- -	15.96	30
Sustainable Growth Rate (%)	- -	11.08	10.43	8.84	10.18	8.45

Credit (USD)

Credit Ratios API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	51	50	60	194	187	203
ST Debt	- -	- -	- -	5	16	- -
LT Debt	51	50	60	189	171	203
Total Debt/EBITDA	39.71	48.58	87.78	329.53	319.34	328.06
Net Debt/EBITDA	-9.22	-9.9	-11.87	240.57	173.71	256.98
Total Debt/EBIT	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.25	11	8.75	8.21	8.34	7.78
Long-Term Debt/Equity (%)	29.54	24.61	33.11	98.67	79.6	93.5
Long-Term Debt/Capital (%)	22.8	19.75	24.87	49.02	42.56	48.32
Long-Term Debt/Total Assets (%)	3.36	2.71	2.9	8.1	6.64	7.27
Total Debt/Equity (%)	29.54	24.61	33.11	101.28	87.03	93.5
Total Debt/Capital (%)	22.8	19.75	24.87	50.32	46.53	48.32
Total Debt/Total Assets (%)	3.36	2.71	2.9	8.31	7.26	7.27
Net Debt to Equity	-6.86	-5.02	-4.48	73.94	47.34	73.24
Net Debt/Capital (%)	-6.75	-4.92	-4.33	41.1	31.3	41.67
EBITDA	1	1	1	1	1	1
EBITDA-CapEx	1	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.25	11	8.75	8.21	8.34	7.78
Long-Term Debt/Equity (%)	29.54	24.61	33.11	98.67	79.6	93.5
Long-Term Debt/Capital (%)	22.8	19.75	24.87	49.02	42.56	48.32
Long-Term Debt/Total Assets (%)	3.36	2.71	2.9	8.1	6.64	7.27
Total Debt/Equity (%)	29.54	24.61	33.11	101.28	87.03	93.5
Total Debt/Capital (%)	22.8	19.75	24.87	50.32	46.53	48.32
Total Debt/Total Assets (%)	3.36	2.71	2.9	8.31	7.26	7.27
CFO/Total Liabilities	0.98	1.34	1.55	1.05	1.47	1.66
CFO/CapEx	37.76	34.84	43.89	138.32	110.95	141.27
Altman's Z-Score	-0.02	0.04	0.04	0.04	0.08	0.09

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	10.36	10.17	7.24	7.64	7.98
Days Sales Outstanding	- -	35.22	35.9	50.44	47.75	45.73
Inventory Turnover	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	280	244	240	354	334
- Cash & Cash Equivalents	48	46	54	41	77	38
+ Preferred Equity and Hybrid Capital	32	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -
+ Total Debt	51	50	60	194	187	203
Enterprise Value	35	284	250	164	204	499
Total Capital	222	254	243	386	403	420
Total Debt/Capital (%)	22.8	19.75	24.87	50.32	46.53	48.32
Total Debt / EV	1.45	0.18	0.24	1.19	0.92	0.41
EV/Sales	0.7	4.76	3.64	2.48	2.47	5.53
EV/EBITDA	27.4	274.97	363.72	277.68	347.29	805.64
EV/EBIT	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	2.66	12.88	8.47	7.27	5.85	11.65
EV/Free Cash Flow to Firm	2.59	12.52	8.28	7.21	5.8	11.57
Diluted Market Cap	- -	147	246	241	352	362
Diluted Enterprise Value	35	151	252	395	462	527
EV per Share	1.86	14.21	12.51	8.37	10.23	27.49
TTM Sales	50	60	69	66	83	90
TTM EBITDA	1	1	1	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	13	22	30	23	35	43
TTM Free Cash Flow to Firm	13	23	30	23	35	43

Multiples (USD)

Valuation Multiples API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	6.49	8.15	10.62	10.01	8.4
EV/EBIT	- -	- -	- -	- -	- -	- -
Enterprise Value	35	284	250	164	204	499
Low Price	- -	10.53	11	8.56	10.25	15.39
EV/Sales	0.7	4.76	3.64	2.48	2.47	5.53
EV/EBITDA	27.4	274.97	363.72	277.68	347.29	805.64
Price/Earnings	- -	7.75	12.11	14.53	14.15	13.71
Price/Earnings Average	- -	7.19	13.27	13.15	11.03	13.11
Price/Earnings High	- -	10.37	15.56	15.54	17.43	15.25
Price/Earnings Low	- -	5.82	10.92	10.15	8.17	11.45
Price/Book Value	- -	1.37	1.34	1.25	1.64	1.54
Price/Book Value Average	- -	1.27	1.46	1.13	1.28	1.47
Price/Book Value High	- -	1.84	1.72	1.34	2.02	1.71
Price/Book Value Low	- -	1.03	1.21	0.87	0.95	1.29
Price/Tangible Book Value	- -	1.37	1.34	1.25	1.64	1.54
Price/Tangible Book Value Average	- -	1.27	1.46	1.13	1.28	1.47
Price/Tangible Book Value High	- -	1.84	1.72	1.34	2.02	1.71
Price/Tangible Book Value Low	- -	1.03	1.21	0.87	0.95	1.29
Price/Sales	- -	2.47	3.55	3.64	4.22	3.97
Price/Sales Average	- -	2.29	3.89	3.3	3.29	3.79
Price/Sales High	- -	3.3	4.56	3.9	5.2	4.41
Price/Sales Low	- -	1.85	3.2	2.55	2.44	3.31
Price/Cash Flow	- -	6.68	8.26	10.66	10.02	8.36
Price/Cash Flow Average	- -	6.19	9.05	9.65	7.81	7.99
Price/Cash Flow High	- -	8.93	10.61	11.4	12.35	9.3
Price/Cash Flow Low	- -	5.02	7.45	7.45	5.79	6.98
Price/Free Cash Flow Average	- -	6.02	8.92	9.61	7.8	8.03
Price/Free Cash Flow High	- -	8.69	10.47	11.36	12.33	9.34
Price/Free Cash Flow Low	- -	4.88	7.35	7.42	5.78	7.02
EV/Sales Average	0.7	4.42	3.98	5.61	4.67	5.36
EV/Sales High	0.7	6.34	4.65	6.21	6.6	5.94
EV/Sales Low	0.7	3.59	3.29	4.86	3.81	4.92
EV/EBITDA Average	27.4	255.29	397.44	627.8	657.66	781.89
EV/EBITDA High	27.4	366.7	464.59	694.57	930.1	866.3
EV/EBITDA Low	27.4	207.62	328.83	543.94	536.02	716.86
EV/EBIT Average	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -
Last Price	- -	14.01	12.2	12.25	17.75	18.42
High Price	- -	18.75	15.67	13.1	21.86	20.49
Enterprise Value Average	35	264	273	370	386	484
Enterprise Value High	35	379	320	410	546	536
Enterprise Value Low	35	214	226	321	315	444

Profitability (USD)

Profitability Ratios API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	11.08	10.43	8.84	12.11	12.07
Return on Assets (%)	- -	1.26	1.02	0.75	1	0.97
Return on Capital (%)	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100
EBITDA Margin (%)	2.56	1.73	1	0.89	0.71	0.69
Operating Margin (%)	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	26.98	46.35	39.41	33.04	39.28	39.81
Profit Margin (%)	21.77	35.3	29.31	25.08	29.84	28.93
Net Income to Common Margin (%)	15.48	31.82	29.31	25.08	29.84	28.93
Effective Tax Rate (%)	19.3	23.85	25.64	24.09	24.03	27.33
Dvd Payout Ratio (%)	- -	- -	- -	- -	15.96	30
Sustainable Growth Rate (%)	- -	11.08	10.43	8.84	10.18	8.45

Credit (USD)

Credit Ratios API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	51	50	60	194	187	203
ST Debt	- -	- -	- -	5	16	- -
LT Debt	51	50	60	189	171	203
Total Debt/EBITDA	39.71	48.58	87.78	329.53	319.34	328.06
Net Debt/EBITDA	-9.22	-9.9	-11.87	240.57	173.71	256.98
Total Debt/EBIT	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.25	11	8.75	8.21	8.34	7.78
Long-Term Debt/Equity (%)	29.54	24.61	33.11	98.67	79.6	93.5
Long-Term Debt/Capital (%)	22.8	19.75	24.87	49.02	42.56	48.32
Long-Term Debt/Total Assets (%)	3.36	2.71	2.9	8.1	6.64	7.27
Total Debt/Equity (%)	29.54	24.61	33.11	101.28	87.03	93.5
Total Debt/Capital (%)	22.8	19.75	24.87	50.32	46.53	48.32
Total Debt/Total Assets (%)	3.36	2.71	2.9	8.31	7.26	7.27
Net Debt to Equity	-6.86	-5.02	-4.48	73.94	47.34	73.24
Net Debt/Capital (%)	-6.75	-4.92	-4.33	41.1	31.3	41.67
EBITDA	1	1	1	1	1	1
EBITDA-CapEx	1	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.25	11	8.75	8.21	8.34	7.78
Long-Term Debt/Equity (%)	29.54	24.61	33.11	98.67	79.6	93.5
Long-Term Debt/Capital (%)	22.8	19.75	24.87	49.02	42.56	48.32
Long-Term Debt/Total Assets (%)	3.36	2.71	2.9	8.1	6.64	7.27
Total Debt/Equity (%)	29.54	24.61	33.11	101.28	87.03	93.5
Total Debt/Capital (%)	22.8	19.75	24.87	50.32	46.53	48.32
Total Debt/Total Assets (%)	3.36	2.71	2.9	8.31	7.26	7.27
CFO/Total Liabilities	0.98	1.34	1.55	1.05	1.47	1.66
CFO/CapEx	37.76	34.84	43.89	138.32	110.95	141.27
Altman's Z-Score	-0.02	0.04	0.04	0.04	0.08	0.09

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	10.36	10.17	7.24	7.64	7.98
Days Sales Outstanding	- -	35.22	35.9	50.44	47.75	45.73
Inventory Turnover	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	280	244	240	354	334
- Cash & Cash Equivalents	48	46	54	41	77	38
+ Preferred Equity and Hybrid Capital	32	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -
+ Total Debt	51	50	60	194	187	203
Enterprise Value	35	284	250	164	204	499
Total Capital	222	254	243	386	403	420
Total Debt/Capital (%)	22.8	19.75	24.87	50.32	46.53	48.32
Total Debt / EV	1.45	0.18	0.24	1.19	0.92	0.41
EV/Sales	0.7	4.76	3.64	2.48	2.47	5.53
EV/EBITDA	27.4	274.97	363.72	277.68	347.29	805.64
EV/EBIT	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	2.66	12.88	8.47	7.27	5.85	11.65
EV/Free Cash Flow to Firm	2.59	12.52	8.28	7.21	5.8	11.57
Diluted Market Cap	- -	147	246	241	352	362
Diluted Enterprise Value	35	151	252	395	462	527
EV per Share	1.86	14.21	12.51	8.37	10.23	27.49
TTM Sales	50	60	69	66	83	90
TTM EBITDA	1	1	1	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	13	22	30	23	35	43
TTM Free Cash Flow to Firm	13	23	30	23	35	43

Multiples (USD)

Valuation Multiples API ChatGPT

	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	6.49	8.15	10.62	10.01	8.4
EV/EBIT	- -	- -	- -	- -	- -	- -
Enterprise Value	35	284	250	164	204	499
Low Price	- -	10.53	11	8.56	10.25	15.39
EV/Sales	0.7	4.76	3.64	2.48	2.47	5.53
EV/EBITDA	27.4	274.97	363.72	277.68	347.29	805.64
Price/Earnings	- -	7.75	12.11	14.53	14.15	13.71
Price/Earnings Average	- -	7.19	13.27	13.15	11.03	13.11
Price/Earnings High	- -	10.37	15.56	15.54	17.43	15.25
Price/Earnings Low	- -	5.82	10.92	10.15	8.17	11.45
Price/Book Value	- -	1.37	1.34	1.25	1.64	1.54
Price/Book Value Average	- -	1.27	1.46	1.13	1.28	1.47
Price/Book Value High	- -	1.84	1.72	1.34	2.02	1.71
Price/Book Value Low	- -	1.03	1.21	0.87	0.95	1.29
Price/Tangible Book Value	- -	1.37	1.34	1.25	1.64	1.54
Price/Tangible Book Value Average	- -	1.27	1.46	1.13	1.28	1.47
Price/Tangible Book Value High	- -	1.84	1.72	1.34	2.02	1.71
Price/Tangible Book Value Low	- -	1.03	1.21	0.87	0.95	1.29
Price/Sales	- -	2.47	3.55	3.64	4.22	3.97
Price/Sales Average	- -	2.29	3.89	3.3	3.29	3.79
Price/Sales High	- -	3.3	4.56	3.9	5.2	4.41
Price/Sales Low	- -	1.85	3.2	2.55	2.44	3.31
Price/Cash Flow	- -	6.68	8.26	10.66	10.02	8.36
Price/Cash Flow Average	- -	6.19	9.05	9.65	7.81	7.99
Price/Cash Flow High	- -	8.93	10.61	11.4	12.35	9.3
Price/Cash Flow Low	- -	5.02	7.45	7.45	5.79	6.98
Price/Free Cash Flow Average	- -	6.02	8.92	9.61	7.8	8.03
Price/Free Cash Flow High	- -	8.69	10.47	11.36	12.33	9.34
Price/Free Cash Flow Low	- -	4.88	7.35	7.42	5.78	7.02
EV/Sales Average	0.7	4.42	3.98	5.61	4.67	5.36
EV/Sales High	0.7	6.34	4.65	6.21	6.6	5.94
EV/Sales Low	0.7	3.59	3.29	4.86	3.81	4.92
EV/EBITDA Average	27.4	255.29	397.44	627.8	657.66	781.89
EV/EBITDA High	27.4	366.7	464.59	694.57	930.1	866.3
EV/EBITDA Low	27.4	207.62	328.83	543.94	536.02	716.86
EV/EBIT Average	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -
Last Price	- -	14.01	12.2	12.25	17.75	18.42
High Price	- -	18.75	15.67	13.1	21.86	20.49
Enterprise Value Average	35	264	273	370	386	484
Enterprise Value High	35	379	320	410	546	536
Enterprise Value Low	35	214	226	321	315	444

Shares Outstanding	19	20	20	20	20	18
Diluted Weighted Avg Shares	19	11	20	20	20	20
Basic Weighted Avg Shares	19	11	20	20	20	19
Revenue per Share	2.65	5.68	3.44	3.36	4.2	4.64
EBITDA per Share	0.07	0.1	0.03	0.03	0.03	0.03
Operating Income per Share	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.41	1.81	1.01	0.84	1.25	1.34
Basic EPS from Cont Ops	0.58	2.01	1.01	0.84	1.25	1.34
Diluted EPS, GAAP	0.41	1.81	1	0.84	1.24	1.33
Diluted EPS from Cont Ops	0.58	2.01	1	0.84	1.24	1.33
Dividend per Share	0.17	0.2	- -	- -	0.2	0.4
Cash Flow per Share	0.7	2.1	1.48	1.15	1.77	2.2
Free Cash Flow per Basic Share	0.68	2.04	1.44	1.14	1.75	2.19
Cash & Equivalents per Share	2.54	2.31	2.71	13.81	16.93	2.12
Book Value per Share	7.4	10.2	9.12	9.81	10.81	11.97
Tangible Book Value per Share	7.4	10.2	9.12	9.81	10.81	11.97

USCB Financial Holdings, Inc.

Profitability (USD)

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Enterprise Value (USD)

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Profitability (USD)

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Working Capital (USD)

Enterprise Value (USD)

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Per Share Data Items (USD)