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
The company has declared Positive results for the last 4 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 52.82 MM
- NII(Q) Highest at USD 22.21 MM
- DIVIDEND PAYOUT RATIO(Y) Highest at 142.86%
5
With ROA of 0.88%, it has a expensive valuation with a 1.51 Price to Book Value
- Over the past year, while the stock has generated a return of 1.63%, its profits have risen by 70.8% ; the PEG ratio of the company is 0.2
6
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -11.43% over the previous quarter and currently hold 11.93% of the company
- Promoters decreasing their stake may signify reduced confidence in the future of the business
7
Underperformed the market in the last 1 year
- The stock has generated a return of 1.63% in the last 1 year, much lower than market (S&P 500) returns of 19.17%
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.
1.91%
1.22
33.63%
S&P 500
20.12%
0.99
19.34%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
26.55%
EBIT Growth (5y)
4.18%
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
30.08%
Pledged Shares
0
Institutional Holding
91.85%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.51
EV to EBIT
10.06
EV to EBITDA
9.91
EV to Capital Employed
1.44
EV to Sales
2.81
PEG Ratio
0.17
Dividend Yield
NA
ROCE (Latest)
14.34%
ROE (Latest)
12.80%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
No Trend
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 52.82 MM
NII(Q)
Highest at USD 22.21 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 142.86%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 93.36%
-12What is not working for the Company
PRE-TAX PROFIT(Q)
Lowest at USD 3.27 MM
NET PROFIT(Q)
Lowest at USD 1.36 MM
EPS(Q)
Lowest at USD 0.07
Here's what is working for USCB Financial Holdings, Inc.
Operating Cash Flow
Highest at USD 52.82 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)
NII
Highest at USD 22.21 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 93.36%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Highest at 142.86%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for USCB Financial Holdings, Inc.
Pre-Tax Profit
At USD 3.27 MM has Fallen at -64.03%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD 1.36 MM has Fallen at -80.26%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Pre-Tax Profit
Lowest at USD 3.27 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 1.36 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD 0.07
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Capital Adequacy Ratio
Lowest at 10.92%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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