ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is USCB Financial Holdings, Inc. ?
1
High Profitability with a Net Interest Margin of 21.96%
2
Strong Long Term Fundamental Strength with a 22.73% 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 22.73%
4
The company has declared Positive results for the last 4 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 40.84 MM
- ROCE(HY) Highest at 1.14%
- NII(Q) Highest at USD 21.03 MM
5
High Institutional Holdings at 68.26%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.53% over the previous quarter.
Real-Time Research ReportHow much should you buy?
- 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.
-6.56%
1.18
33.76%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
35.96%
EBIT Growth (5y)
25.46%
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
16.07%
Pledged Shares
0
Institutional Holding
68.26%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.47
EV to EBIT
9.06
EV to EBITDA
8.95
EV to Capital Employed
1.48
EV to Sales
2.43
PEG Ratio
0.15
Dividend Yield
NA
ROCE (Latest)
16.39%
ROE (Latest)
12.32%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 40.84 MM
ROCE(HY)
Highest at 1.14%
NII(Q)
Highest at USD 21.03 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 24.93%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 36.15 MM
OPERATING PROFIT(Q)
Highest at USD 10.74 MM
PRE-TAX PROFIT(Q)
Highest at USD 10.74 MM
NET PROFIT(Q)
Highest at USD 8.14 MM
EPS(Q)
Highest at USD 0.4
-2What is not working for the Company
ROCE(HY)
Lowest at 1.14%
Here's what is working for USCB Financial Holdings, Inc.
NII
Highest at USD 21.03 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Cash Flow
Highest at USD 40.84 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 36.15 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 10.74 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 10.74 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 8.14 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.4
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)
Dividend Payout Ratio
Highest at 24.93%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
CASA
Highest at 12.45%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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