ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is USCB Financial Holdings, Inc. ?
1
High Profitability with a Net Interest Margin of 9.60%
2
Strong Long Term Fundamental Strength with a 5.49% CAGR growth in Net Profits
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 5.49%
4
Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at USD 43.46 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
- OPERATING PROFIT MARGIN(Q) Highest at 31.52 %
5
With ROA of 0.65%, it has a expensive valuation with a 1.54 Price to Book Value
- Over the past year, while the stock has generated a return of 22.67%, its profits have risen by 5.8% ; the PEG ratio of the company is 0.8
6
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -1.24% over the previous quarter and currently hold 10.69% of the company
- Promoters decreasing their stake may signify reduced confidence in the future of the business
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to USCB Financial Holdings, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is USCB Financial Holdings, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
USCB Financial Holdings, Inc.
22.67%
1.80
29.83%
S&P 500
22.24%
1.67
13.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
26.55%
EBIT Growth (5y)
4.09%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
30.12%
Pledged Shares
0
Institutional Holding
91.34%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.54
EV to EBIT
13.52
EV to EBITDA
13.29
EV to Capital Employed
1.33
EV to Sales
3.28
PEG Ratio
0.81
Dividend Yield
NA
ROCE (Latest)
9.82%
ROE (Latest)
12.02%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 43.46 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT MARGIN(Q)
Highest at 31.52 %
NET PROFIT(Q)
Highest at USD 9.35 MM
EPS(Q)
Highest at USD 0.51
-2What is not working for the Company
NET PROFIT(HY)
At USD 10.71 MM has Grown at -26.42%
Here's what is working for USCB Financial Holdings, Inc.
Operating Cash Flow
Highest at USD 43.46 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit Margin
Highest at 31.52 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Net Profit
Highest at USD 9.35 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.51
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
