USCB Financial Holdings, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from USCB Financial Holdings, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
$28Sales grew 31% in 3 years; of every extra $100 of sales, $28 became extra profit.
Higher than 53% of Financial Services companies in United States.
Asset Productivity Ratio
+31% / +34%In 3 years sales changed by +31% while total assets changed by +34%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
USCB Financial Holdings, Inc. owes $0.92 for every $1 it owns. Net profit rose 6% in the year to Dec 2025, and grew 9% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
12.8Investors pay $12.8 for every $1 of USCB Financial Holdings, Inc.'s yearly profit, higher than 53% of Financial Services companies in United States.
P/B ratio
1.58The share price is 1.58 times USCB Financial Holdings, Inc.'s book value per share, higher than 72% of Financial Services companies in United States.
Market cap
$369 MThe total market value of all of USCB Financial Holdings, Inc.'s shares at today's price (share price × number of shares), smaller than 66% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$233 MWhat USCB Financial Holdings, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$12.62Net worth divided by the number of shares. The share price of $19.99 is 1.6 times this, which is the P/B above.
Return on equity (ROE)
12.4%USCB Financial Holdings, Inc. earned 12.4% on its shareholders' money over the last year, higher than 62% of Financial Services companies in United States.
Owes vs Owns
0.92×USCB Financial Holdings, Inc. owes $0.92 for every $1 it owns (high), higher than 92% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.27%USCB Financial Holdings, Inc. pays 2.27% of its share price as dividends a year, lower than 63% of dividend-paying Financial Services companies in United States.
Revenue growth
+9%Revenue rose 9% in the year to Dec 2025, and grew 9% a year on average over 3 years.
Profit growth
+6%Net profit rose 6% in the year to Dec 2025, and grew 9% a year on average over 3 years.
Profit margin
28.9%USCB Financial Holdings, Inc. keeps $29 of every $100 of revenue as net profit.
Questions
What is USCB Financial Holdings, Inc.'s P/E ratio?
Investors pay $12.8 for every $1 of USCB Financial Holdings, Inc.'s yearly profit, higher than 53% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For USCB Financial Holdings, Inc.: $369 M ÷ $233 M (30 Jun 2026) = 1.6.
What is USCB Financial Holdings, Inc.'s return on equity?
USCB Financial Holdings, Inc. earned 12.4% on its shareholders' money over the last year, higher than 62% of Financial Services companies in United States.
How much does USCB Financial Holdings, Inc. owe compared with what it owns?
USCB Financial Holdings, Inc. owes $0.92 for every $1 it owns (high), higher than 92% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does USCB Financial Holdings, Inc. pay a dividend?
Yes. USCB Financial Holdings, Inc. pays 2.27% of its share price as dividends a year, lower than 63% of dividend-paying Financial Services companies in United States.
Is USCB Financial Holdings, Inc.'s revenue growing?
Revenue rose 9% in the year to Dec 2025, and grew 9% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.