USCB Financial Holdings, Inc. cash flow to debt ratio of 47.17% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

USCB Financial Holdings, Inc.'s free cash flow has increased 25.83% from $33.78M last year to $42.50M, signaling increasing performance

USCB Financial Holdings, Inc.'s debt to equity ratio is 1.20, which means that the company's assets are unhealthy financed, signaling financial risk.

USCB Financial Holdings, Inc.'s debt has increased relative to shareholder equity from 0.80 last year to 1.20 today, signaling weakened financials

USCB Financial Holdings, Inc. has a net debt to EBITDA ratio of 0.23x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

USCB Financial Holdings, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

USCB Financial Holdings, Inc.'s profit margin has increased (16.26%) in the last year from 17.14% to 19.92%, signaling increasing performance

USCB Financial Holdings, Inc.'s short-term liabilities of $2.50B exceed its short-term assets of $82.34M, signaling financial risk

USCB Financial Holdings, Inc.'s return on assets of 0.95% is lower than the 5.00% threshold, indicating inefficient asset utilization

USCB Financial Holdings, Inc.'s return on equity of 13.09%, is lower than 15.00%, indicating bad performance

USCB Financial Holdings, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

USCB Financial Holdings, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

USCB Financial Holdings, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

USCB Financial Holdings, Inc. has a free cash flow yield of 10.53%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

USCB Financial Holdings, Inc.'s yearly earnings has increased 5.78% since last year from $24.67M to $26.10M, signaling increasing performance

USCB Financial Holdings, Inc.'s yearly revenue has increased 5.63% since last year from $143.97M to $152.08M, signaling increasing performance

ROIC 0.95% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

USCB Financial Holdings, Inc.'s 3-year revenue CAGR of 25.92% is positive, indicating growing revenue over the past 3 years

USCB Financial Holdings, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

USCB Financial Holdings, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

USCB Financial Holdings, Inc. is undervalued relative to its fair value price of 40.87 based on Discounted Cash Flow model

USCB Financial Holdings, Inc. has an earnings yield of 7.09%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

USCB Financial Holdings, Inc. is overvalued relative to its fair value price of 13.49 based on EBITDA multiple model

USCB Financial Holdings, Inc. has an EV/EBITDA ratio of 11.32x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

USCB Financial Holdings, Inc. has insufficient data to evaluate this check.

USCB Financial Holdings, Inc. has a PEG-ratio under 1 which is considered undervalued

USCB Financial Holdings, Inc. has a price-to-book ratio of 1.74x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

USCB Financial Holdings, Inc. has a price-to-sales ratio of 2.81x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue