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STOCKS

USCB Financial Holdings, Inc. Class A (USCB)

NASDAQ:USCB

USCB

USCB Financial Holdings, Inc. Class A

RESEARCH TOOLSreports

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 Q4 2025 was $0.54. For the 2025 fiscal year, USCB's free cash flow was decreased by $ and operating cash flow was $0.10. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.03	0.03	0.14	0.14	0.03
Quick Ratio	0.03	0.03	0.14	0.14	0.03
Cash Ratio	0.03	0.03	0.03	0.02	0.03
Solvency Ratio	0.01	0.01	0.01	<0.01	0.01
Operating Cash Flow Ratio	0.02	0.02	0.02	0.01	0.02
Short-Term Operating Cash Flow Coverage	0.83	0.83	2.13	4.51	0.00
Net Current Asset Value	$ -2.51B	$ -2.51B	$ -2.06B	$ -1.87B	$ -1.84B
Leverage Ratios
Debt-to-Assets Ratio	0.03	0.03	0.07	0.08	0.03
Debt-to-Equity Ratio	0.43	0.43	0.80	1.01	0.33
Debt-to-Capital Ratio	0.30	0.30	0.44	0.50	0.25
Long-Term Debt-to-Capital Ratio	0.16	0.16	0.41	0.48	0.20
Financial Leverage Ratio	13.18	13.18	11.98	12.18	11.43
Debt Service Coverage Ratio	0.23	0.23	0.33	0.36	2.80
Interest Coverage Ratio	0.58	0.58	0.53	0.51	3.64
Debt to Market Cap	0.28	0.27	0.47	0.76	0.19
Interest Debt Per Share	8.42	8.42	11.83	12.07	3.39
Net Debt to EBITDA	0.23	0.23	2.86	6.85	0.22
Profitability Margins
Gross Profit Margin	58.13%	58.13%	55.23%	58.66%	86.96%
EBIT Margin	23.62%	23.62%	22.56%	20.10%	35.56%
EBITDA Margin	23.92%	23.92%	22.97%	20.65%	36.46%
Operating Profit Margin	23.62%	23.62%	22.56%	20.10%	35.56%
Pretax Profit Margin	23.62%	23.62%	22.56%	20.10%	35.56%
Net Profit Margin	17.16%	17.16%	17.14%	15.26%	26.44%
Continuous Operations Profit Margin	17.16%	17.16%	17.14%	15.26%	26.44%
Net Income Per EBT	72.67%	72.67%	75.97%	75.91%	74.36%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.93%	0.93%	0.96%	0.71%	0.97%
Return on Equity (ROE)	11.89%	12.29%	11.46%	8.62%	11.04%
Return on Capital Employed (ROCE)	12.17%	12.17%	8.76%	5.71%	11.15%
Return on Invested Capital (ROIC)	10.54%	10.54%	6.38%	4.28%	8.29%
Return on Tangible Assets	0.93%	0.93%	0.96%	0.71%	0.97%
Earnings Yield	7.94%	7.82%	7.06%	6.88%	8.25%
Efficiency Ratios
Receivables Turnover	0.00	0.00	13.15	10.14	10.09
Payables Turnover	0.03	0.03	3.16	2.88	0.72
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	0.00	11.06	6.67	3.87
Asset Turnover	0.05	0.05	0.06	0.05	0.04
Working Capital Turnover Ratio	-0.07	-0.07	-0.08	-0.06	-0.05
Cash Conversion Cycle	-14.06K	-14.06K	-87.62	-90.77	-468.31
Days of Sales Outstanding	0.00	0.00	27.75	35.98	36.16
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	14.06K	14.06K	115.37	126.75	504.47
Operating Cycle	0.00	0.00	27.75	35.98	36.16
Cash Flow Ratios
Operating Cash Flow Per Share	2.36	2.36	1.73	1.15	1.48
Free Cash Flow Per Share	2.35	2.35	1.72	1.14	1.44
CapEx Per Share	0.02	0.02	0.02	<0.01	0.03
Free Cash Flow to Operating Cash Flow	0.99	0.99	0.99	0.99	0.98
Dividend Paid and CapEx Coverage Ratio	5.26	5.26	8.02	138.32	43.89
Capital Expenditure Coverage Ratio	141.27	141.27	108.57	138.32	43.89
Operating Cash Flow Coverage Ratio	0.47	0.47	0.20	0.12	0.49
Operating Cash Flow to Sales Ratio	0.28	0.28	0.24	0.21	0.39
Free Cash Flow Yield	12.91%	12.74%	9.67%	9.31%	11.83%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.60	12.79	14.16	14.53	12.11
Price-to-Sales (P/S) Ratio	2.16	2.19	2.43	2.22	3.20
Price-to-Book (P/B) Ratio	1.55	1.57	1.62	1.25	1.34
Price-to-Free Cash Flow (P/FCF) Ratio	7.75	7.85	10.34	10.74	8.45
Price-to-Operating Cash Flow Ratio	7.68	7.80	10.25	10.66	8.26
Price-to-Earnings Growth (PEG) Ratio	-0.75	1.78	0.29	-0.86	-0.11
Price-to-Fair Value	1.55	1.57	1.62	1.25	1.34
Enterprise Value Multiple	9.28	9.41	13.42	17.59	9.01
Enterprise Value	337.61M	342.14M	443.74M	393.73M	250.21M
EV to EBITDA	9.28	9.41	13.42	17.59	9.01
EV to Sales	2.22	2.25	3.08	3.63	3.29
EV to Free Cash Flow	7.94	8.05	13.14	17.59	8.67
EV to Operating Cash Flow	7.89	7.99	13.02	17.46	8.47
Tangible Book Value Per Share	11.72	11.72	10.94	9.78	9.12
Shareholders’ Equity Per Share	11.72	11.72	10.94	9.78	9.12
Tax and Other Ratios
Effective Tax Rate	0.27	0.27	0.24	0.24	0.26
Revenue Per Share	8.39	8.39	7.32	5.53	3.81
Net Income Per Share	1.44	1.44	1.25	0.84	1.01
Tax Burden	0.73	0.73	0.76	0.76	0.74
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	0.20	0.20	0.23	0.31
Stock-Based Compensation to Revenue	0.01	0.00	0.01	<0.01	<0.01
Income Quality	1.64	1.64	1.38	1.36	1.47

Currency in USD