tiprankstipranks
USCB Financial Holdings, Inc. Class A (USCB)
NASDAQ:USCB
US Market
USCB
USCB Financial Holdings, Inc. Class A
RESEARCH TOOLSreports
Want to see USCB full AI Analyst Report?

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

16 Followers

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 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 1.01 0.03 0.14 0.14 0.03
Quick Ratio
 1.01 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
 0.81 0.83 2.13 4.51 0.00
Net Current Asset Value
$ -51.42M$ -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
 0.41 0.43 0.80 1.01 0.33
Debt-to-Capital Ratio
 0.29 0.30 0.44 0.50 0.25
Long-Term Debt-to-Capital Ratio
 0.15 0.16 0.41 0.48 0.20
Financial Leverage Ratio
 12.75 13.18 11.98 12.18 11.43
Debt Service Coverage Ratio
 0.24 0.23 0.33 0.36 2.80
Interest Coverage Ratio
 0.61 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
 0.35 0.23 2.86 6.85 0.22
Profitability Margins
Gross Profit Margin
65.19%58.13%55.23%58.66%86.96%
EBIT Margin
26.68%23.62%22.56%20.10%35.56%
EBITDA Margin
26.90%23.92%22.97%20.65%36.46%
Operating Profit Margin
26.68%23.62%22.56%20.10%35.56%
Pretax Profit Margin
26.68%23.62%22.56%20.10%35.56%
Net Profit Margin
19.77%17.16%17.14%15.26%26.44%
Continuous Operations Profit Margin
19.77%17.16%17.14%15.26%26.44%
Net Income Per EBT
74.11%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)
0.98%0.93%0.96%0.71%0.97%
Return on Equity (ROE)
12.69%12.29%11.46%8.62%11.04%
Return on Capital Employed (ROCE)
12.54%12.17%8.76%5.71%11.15%
Return on Invested Capital (ROIC)
12.22%10.54%6.38%4.28%8.29%
Return on Tangible Assets
0.98%0.93%0.96%0.71%0.97%
Earnings Yield
8.36%7.82%7.06%6.88%8.25%
Efficiency Ratios
Receivables Turnover
 0.06 0.00 13.15 10.14 10.09
Payables Turnover
 0.00 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
 -0.12 -0.07 -0.08 -0.06 -0.05
Cash Conversion Cycle
 5.75K -14.06K -87.62 -90.77 -468.31
Days of Sales Outstanding
 5.75K 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
 0.00 14.06K 115.37 126.75 504.47
Operating Cycle
 5.75K 0.00 27.75 35.98 36.16
Cash Flow Ratios
Operating Cash Flow Per Share
 2.33 2.36 1.73 1.15 1.48
Free Cash Flow Per Share
 2.32 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
 0.46 0.47 0.20 0.12 0.49
Operating Cash Flow to Sales Ratio
 0.30 0.28 0.24 0.21 0.39
Free Cash Flow Yield
12.83%12.74%9.67%9.31%11.83%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.97 12.79 14.16 14.53 12.11
Price-to-Sales (P/S) Ratio
 2.36 2.19 2.43 2.22 3.20
Price-to-Book (P/B) Ratio
 1.49 1.57 1.62 1.25 1.34
Price-to-Free Cash Flow (P/FCF) Ratio
 7.79 7.85 10.34 10.74 8.45
Price-to-Operating Cash Flow Ratio
 7.77 7.80 10.25 10.66 8.26
Price-to-Earnings Growth (PEG) Ratio
 2.79 1.78 0.29 -0.86 -0.11
Price-to-Fair Value
 1.49 1.57 1.62 1.25 1.34
Enterprise Value Multiple
 9.11 9.41 13.42 17.59 9.01
Enterprise Value
 344.56M 342.14M 443.74M 393.73M 250.21M
EV to EBITDA
 9.11 9.41 13.42 17.59 9.01
EV to Sales
 2.45 2.25 3.08 3.63 3.29
EV to Free Cash Flow
 8.11 8.05 13.14 17.59 8.67
EV to Operating Cash Flow
 8.05 7.99 13.02 17.46 8.47
Tangible Book Value Per Share
 12.18 11.72 10.94 9.78 9.12
Shareholders’ Equity Per Share
 12.18 11.72 10.94 9.78 9.12
Tax and Other Ratios
Effective Tax Rate
 0.26 0.27 0.24 0.24 0.26
Revenue Per Share
 7.67 8.39 7.32 5.53 3.81
Net Income Per Share
 1.52 1.44 1.25 0.84 1.01
Tax Burden
 0.74 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
 0.32 0.26 0.20 0.23 0.31
Stock-Based Compensation to Revenue
 0.02 0.02 0.01 <0.01 <0.01
Income Quality
 1.64 1.64 1.38 1.36 1.47
Currency in USD