Is USCB Financial Holdings, Inc. overvalued or undervalued?

As of 18 June 2025, the valuation grade for USCB Financial Holdings, Inc. has moved from fair to attractive, indicating a positive shift in its perceived value. The company is currently considered undervalued based on its financial ratios, including a P/E ratio of 12, a Price to Book Value of 1.47, and an EV to EBITDA of 8.95. These metrics suggest that the stock is trading at a lower valuation compared to its peers.
In comparison to its peers, USCB Financial Holdings, Inc. has a P/E ratio that is higher than Orrstown Financial Services, Inc. at 10.88 but lower than Farmers & Merchants Bancorp, Inc. at 12.68. The PEG ratio of 0.15 further emphasizes its undervaluation relative to growth expectations. Notably, the company's recent stock performance has outpaced the S&P 500 over the past year, with a return of 35.52% compared to the index's 10.26%, reinforcing the attractiveness of its current valuation.