Is USCB Financial Holdings, Inc. overvalued or undervalued?

As of 28 November 2025, the valuation grade for USCB Financial Holdings, Inc. moved from fair to expensive, indicating a shift towards overvaluation. The company appears overvalued based on its P/E ratio of 12, which is higher than peers like Orrstown Financial Services, Inc. with a P/E of 10.63 and Unity Bancorp, Inc. at 11.21. Additionally, the EV to EBITDA ratio stands at 8.95, and the PEG ratio is notably low at 0.15, suggesting that the stock may not be justified at its current price level.
In terms of performance, USCB Financial has underperformed relative to the S&P 500 over the past year, returning -12.75% compared to the index's 14.18%. This underperformance, combined with its expensive valuation metrics, reinforces the conclusion that USCB Financial Holdings, Inc. is currently overvalued.