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STOCKS

USCB Financial Holdings, Inc. Class A (USCB)

:USCB

USCB

USCB Financial Holdings, Inc. Class A

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USCB Financial Holdings, Inc. Class A (USCB) Ratios

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USCB Financial Holdings, Inc. Class A Ratios

USCB's free cash flow for Q1 2025 was $0.59. For the 2025 fiscal year, USCB's free cash flow was decreased by $ and operating cash flow was $0.27. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.17	0.14	4.49	5.51	7.81
Quick Ratio	0.17	0.14	8.99	11.02	15.61
Cash Ratio	0.04	0.02	3.95	4.88	6.99
Solvency Ratio	0.01	<0.01	0.01	0.01	<0.01
Operating Cash Flow Ratio	0.02	0.01	2.15	2.33	1.92
Short-Term Operating Cash Flow Coverage	0.00	4.51	0.00	0.00	0.00
Net Current Asset Value	$ -2.07B	$ -1.87B	$ -1.84B	$ -1.60B	$ -1.28B
Leverage Ratios
Debt-to-Assets Ratio	0.04	0.08	0.03	0.03	0.03
Debt-to-Equity Ratio	0.51	1.01	0.33	0.25	0.30
Debt-to-Capital Ratio	0.34	0.50	0.25	0.20	0.23
Long-Term Debt-to-Capital Ratio	0.32	0.48	0.10	0.15	0.17
Financial Leverage Ratio	11.89	12.18	11.43	9.09	8.78
Debt Service Coverage Ratio	0.47	0.36	2.80	5.23	1.34
Interest Coverage Ratio	0.60	0.51	4.64	6.55	1.48
Debt to Market Cap	0.31	0.76	0.09	0.24	0.33
Interest Debt Per Share	8.80	12.07	3.39	5.18	5.95
Net Debt to EBITDA	0.48	6.85	0.22	0.14	0.19
Profitability Margins
Gross Profit Margin	56.94%	58.66%	100.00%	100.00%	100.00%
EBIT Margin	24.63%	20.10%	39.41%	45.60%	26.98%
EBITDA Margin	25.04%	20.65%	40.41%	47.30%	29.54%
Operating Profit Margin	24.63%	20.10%	50.23%	45.60%	26.98%
Pretax Profit Margin	24.63%	20.10%	39.41%	45.60%	26.98%
Net Profit Margin	18.69%	15.26%	29.31%	34.73%	21.77%
Continuous Operations Profit Margin	18.69%	15.26%	29.31%	34.73%	21.77%
Net Income Per EBT	75.87%	75.91%	74.36%	76.15%	80.70%
EBT Per EBIT	100.00%	100.00%	78.45%	100.00%	100.00%
Return on Assets (ROA)	1.04%	0.71%	0.97%	1.14%	0.72%
Return on Equity (ROE)	12.96%	8.62%	11.04%	10.34%	6.33%
Return on Capital Employed (ROCE)	9.93%	5.71%	1.67%	1.50%	0.90%
Return on Invested Capital (ROIC)	7.54%	4.28%	5.28%	3.59%	2.69%
Return on Tangible Assets	1.04%	0.71%	1.19%	1.56%	0.91%
Earnings Yield	8.09%	6.88%	8.25%	14.32%	9.99%
Efficiency Ratios
Receivables Turnover	13.45	10.14	0.00	10.16	0.00
Payables Turnover	0.00	2.88	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	12.19	6.67	3.50	3.12	2.38
Asset Turnover	0.06	0.05	0.03	0.03	0.03
Working Capital Turnover Ratio	-0.08	-0.06	1.52	1.36	1.22
Cash Conversion Cycle	27.13	-90.77	0.00	35.93	0.00
Days of Sales Outstanding	27.13	35.98	0.00	35.93	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	126.75	0.00	0.00	0.00
Operating Cycle	27.13	35.98	0.00	35.93	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	2.03	1.15	1.48	2.10	1.31
Free Cash Flow Per Share	2.02	1.14	1.44	2.04	1.27
CapEx Per Share	0.01	<0.01	0.03	0.06	0.03
Free Cash Flow to Operating Cash Flow	0.99	0.99	0.98	0.97	0.97
Dividend Paid and CapEx Coverage Ratio	7.83	138.32	43.89	8.14	3.77
Capital Expenditure Coverage Ratio	151.27	138.32	43.89	34.84	37.76
Operating Cash Flow Coverage Ratio	0.35	0.12	0.49	0.44	0.26
Operating Cash Flow to Sales Ratio	0.27	0.21	0.43	0.36	0.26
Free Cash Flow Yield	11.78%	9.31%	11.83%	14.55%	11.78%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.36	14.53	12.11	6.98	10.01
Price-to-Sales (P/S) Ratio	2.31	2.22	3.55	2.43	2.18
Price-to-Book (P/B) Ratio	1.52	1.25	1.34	0.72	0.63
Price-to-Free Cash Flow (P/FCF) Ratio	8.49	10.74	8.45	6.87	8.49
Price-to-Operating Cash Flow Ratio	8.42	10.66	8.26	6.68	8.27
Price-to-Earnings Growth (PEG) Ratio	1.03	-0.86	-0.11	>-0.01	0.00
Price-to-Fair Value	1.52	1.25	1.34	0.72	0.63
Enterprise Value Multiple	9.72	17.59	9.01	5.27	7.57
Enterprise Value	360.75M	393.73M	250.22M	151.17M	111.07M
EV to EBITDA	9.72	17.59	9.01	5.27	7.57
EV to Sales	2.43	3.63	3.64	2.49	2.24
EV to Free Cash Flow	8.92	17.59	8.67	7.06	8.71
EV to Operating Cash Flow	8.87	17.46	8.47	6.86	8.48
Tangible Book Value Per Share	11.24	9.78	9.12	19.40	17.09
Shareholders’ Equity Per Share	11.24	9.78	9.12	19.40	17.09
Tax and Other Ratios
Effective Tax Rate	0.24	0.24	0.26	0.24	0.19
Revenue Per Share	7.41	5.53	3.44	5.78	4.97
Net Income Per Share	1.38	0.84	1.01	2.01	1.08
Tax Burden	0.76	0.76	0.74	0.76	0.81
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.20	0.23	0.35	0.39	0.43
Stock-Based Compensation to Revenue	0.02	<0.01	<0.01	<0.01	<0.01
Income Quality	1.47	1.36	1.47	1.05	1.21

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