USCB USCB Financial Holdings, Inc. - Class A Common Stock
$18,03
Cena · Maj 20, 2026
Dane fundamentalne na dzień Maj 8, 2026
Zakres 52 tyg.
$16–$21
49% of range
Ocena Analityków
BUY
11 analysts
Cena Docelowa
$22
+20% upside
P/E (TTM)
13.8
ROE
11.6%
Marża Zysku Netto
28.9%
USCB Migawka akcji Cena, kapitalizacja rynkowa, P/E, EPS, ROE, zadłużenie/kapitał własny, zakres 52-tygodniowy
Cena
$18.03
Kapitalizacja Rynkowa
—
P/E (TTM)
13.8
EPS (TTM)
$1.33
Przychody (TTM)
—
Stopa dywidendy
—
ROE
11.6%
D/E Dług/Kapitał
—
Zakres 52 tyg.
$16 – $21
USCB Wykres ceny akcji Dzienny OHLCV ze wskaźnikami technicznymi — przesuwaj, powiększaj i dostosowuj widok
Configure
Wyniki 10-letnie Trendy przychodów, zysku netto, marż i EPS
Przychody i Zysk Netto
—
EPS
$1.33
2024-12-31
→
2025-12-31
Wolny przepływ pieniężny
$43M
2021-12-31
→
2025-12-31
Marże
28.9%
Wycena Wskaźniki P/E, P/S, P/B, EV/EBITDA — czy akcje są drogie, czy tanie?
Wskaźnik
Trend 5-letni
USCB
Mediana porównawcza
P/E (TTM)
13.8
11.7
Rentowność Marże brutto, operacyjne i netto; ROE, ROA, ROIC
Wskaźnik
Trend 5-letni
USCB
Mediana porównawcza
Net Profit Margin (Marża Zysku Netto)
28.9%
26.0%
ROA
0.97%
1.0%
ROE
11.6%
10.0%
Zdrowie finansowe Dług, płynność, wypłacalność — siła bilansu
Wskaźnik
Trend 5-letni
USCB
Mediana porównawcza
Rozwój Wzrost przychodów, EPS i zysku netto: r/r, CAGR 3-letni, CAGR 5-letni
Wskaźnik
Trend 5-letni
USCB
Mediana porównawcza
Revenue YoY (Przychody R/R)
9.1%
—
Revenue CAGR 3Y (Przychody CAGR 3L)
9.4%
—
Revenue CAGR 5Y (Przychody CAGR 5L)
12.7%
—
EPS YoY
7.3%
—
Net Income YoY (Zysk Netto R/R)
5.8%
—
Efektywność kapitałowa Rotacja aktywów, rotacja zapasów, rotacja należności
Wskaźnik
Trend 5-letni
USCB
Mediana porównawcza
Payout Ratio (Wskaźnik Wypłaty Dywidendy)
30.0%
—
Dywidendy Stopa dywidendy, wskaźnik wypłaty, historia dywidend, 5-letni CAGR
Stopa Dywidendy
—
Wskaźnik Wypłaty Dywidendy
30.0%
CAGR dywidendy 5-letni
—
| Data ex-dywidendy | Kwota |
|---|---|
| 15 maja 2026 | $0,1250 |
| 17 lutego 2026 | $0,1250 |
| 14 listopada 2025 | $0,1000 |
| 15 sierpnia 2025 | $0,1000 |
| 15 maja 2025 | $0,1000 |
| 14 lutego 2025 | $0,1000 |
| 15 listopada 2024 | $0,0500 |
| 15 sierpnia 2024 | $0,0500 |
| 14 maja 2024 | $0,0500 |
| 14 lutego 2024 | $0,0500 |
USCB Konsensus analityków Bycze i niedźwiedzie opinie analityków, 12-miesięczny cel cenowy, potencjał wzrostu
KUP
11 analityków
- Mocne kupno 3 27,3%
- Kup 5 45,5%
- Trzymaj 3 27,3%
- Sprzedaj 0 0,0%
- Mocna sprzedaż 0 0,0%
12-miesięczny cel cenowy
5 analityków · 2026-05-17
Mediana
$21.50
← Poniżej wszystkich celów
$18.03
Niski
$20.00
Wysoki
$24.00
Średni cel
$21.50
+19,2%
Średnia cel
$21.70
+20,4%
Historia zysków EPS faktyczny vs szacowany, zaskoczenie %, wskaźnik trafień, data następnych wyników
Średnie zaskoczenie
0.04%
| Okres | EPS Actual | EPS Szacowany | Niespodzianka |
|---|---|---|---|
| 31 marca 2026 | $0.51 | $0.48 | 0.03% |
| 31 grudnia 2025 | $0.44 | $0.33 | 0.11% |
| 30 września 2025 | $0.47 | $0.43 | 0.04% |
| 30 czerwca 2025 | $0.40 | $0.39 | 0.01% |
| 31 marca 2025 | $0.38 | $0.38 | -0.00% |
Porównanie jednostek Kluczowe metryki w porównaniu do konkurentów z sektora
| Ticker | Kapitalizacja Rynkowa | P/E | Przychody r/r | Marża Netto | ROE | Marża brutto |
|---|---|---|---|---|---|---|
| USCB | — | 13.8 | 9.1% | 28.9% | 11.6% | — |
| FINW | $245M | 15.9 | 60.5% | 12.3% | 8.6% | — |
| FCAP | $198M | 12.1 | 1.6% | 228.3% | 13.0% | — |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | — |
Pełne podstawowe wskaźniki Wszystkie wskaźniki roczne — rachunek zysków i strat, bilans, przepływy pieniężne
Rachunek zysków i strat 10
| Wskaźnik | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $42M | $7M | $4M | $9M | |
| Interest Income | $145M | $131M | $101M | $71M | $57M | $53M | |
| Pretax Income | $36M | $32M | $22M | $27M | $28M | $13M | |
| Income Tax | $10M | $8M | $5M | $7M | $7M | $3M | |
| Net Income | $26M | $25M | $17M | $20M | $21M | $11M | |
| EPS (Basic) | $1.34 | $1.25 | · | · | · | · | |
| EPS (Diluted) | $1.33 | $1.24 | · | · | · | · | |
| Shares (Basic) | 19,425,746 | 19,675,444 | · | · | · | · | |
| Shares (Diluted) | 19,650,814 | 19,831,421 | · | · | · | · | |
| EBITDA | $619.0K | $587.0K | $590.0K | $688.0K | $1M | · |
Bilans 11
| Wskaźnik | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $38M | $77M | $41M | $54M | $46M | $48M | |
| PP&E (Net) | $4M | $5M | $5M | $5M | $5M | $6M | |
| PP&E (Gross) | $28M | $27M | $27M | $27M | $26M | $27M | |
| Accum. Depreciation | $23M | $23M | $22M | $22M | $21M | $21M | |
| Total Assets | $2.79B | $2.58B | $2.34B | $2.09B | $1.85B | $1.50B | |
| Total Liabilities | $2.57B | $2.37B | $2.15B | $1.90B | $1.65B | $1.33B | |
| Paid-in Capital | $279M | $308M | $305M | $311M | $311M | $178M | |
| Retained Earnings | $-50M | $-68M | $-89M | $-104M | $-124M | $-54M | |
| AOCI | $-30M | $-45M | $-44M | $-45M | $-3M | $5M | |
| Stockholders' Equity | $217M | $215M | $192M | $182M | $204M | $171M | |
| Liabilities + Equity | $2.79B | $2.58B | $2.34B | $2.09B | $1.85B | $1.50B |
Przepływy pieniężne 15
| Wskaźnik | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| D&A | $619.0K | $587.0K | $590.0K | $688.0K | $1M | $1M | |
| Stock-based Comp | $3M | $2M | $1M | $523.0K | $287.0K | $187.0K | |
| Deferred Tax | $7M | $8M | $5M | $7M | $7M | $3M | |
| Other Non-cash | $6M | $-1M | $-852.0K | $1M | $-7M | · | |
| Operating Cash Flow | $43M | $35M | $23M | $30M | $22M | $13M | |
| CapEx | $303.0K | $314.0K | $163.0K | $673.0K | $633.0K | $347.0K | |
| Investing Cash Flow | $-245M | $-213M | $-273M | $-271M | $-359M | $-179M | |
| Stock Issued | $804.0K | $1M | $75.0K | $102.0K | $40M | $15.0K | |
| Stock Repurchased | $35M | $501.0K | $8M | · | · | · | |
| Net Stock Activity | $-34M | $818.0K | $-8M | $102.0K | $40M | · | |
| Dividends Paid | $8M | $4M | · | · | $2M | $3M | |
| Financing Cash Flow | $164M | $214M | $237M | $249M | $336M | $178M | |
| Net Change in Cash | $-39M | $36M | $-13M | $8M | $-2M | $12M | |
| Free Cash Flow | $43M | $34M | $22M | $29M | $21M | · | |
| Levered FCF | · | · | $-10M | $23M | $18M | · |
Rentowność 5
| Wskaźnik | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Net Margin | 28.9% | 29.8% | 25.1% | 29.2% | 33.4% | · | |
| Pretax Margin | 39.8% | 39.3% | 33.0% | 39.3% | 43.8% | · | |
| EBITDA Margin | 0.69% | 0.71% | 0.89% | 1.0% | 1.6% | · | |
| ROA | 0.97% | 1.0% | 0.75% | 1.0% | 1.3% | · | |
| ROE | 11.6% | 11.5% | 8.8% | 11.2% | 10.4% | · |
Efektywność 1
| Wskaźnik | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · |
Stopy Wzrostu 8
| Wskaźnik | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue YoY | 9.1% | 25.3% | -4.2% | 9.0% | 27.2% | · | |
| Revenue CAGR 3Y | 9.4% | 9.4% | 9.9% | · | · | · | |
| Revenue CAGR 5Y | 12.7% | · | · | · | · | · | |
| EPS YoY | 7.3% | · | · | · | · | · | |
| Net Income YoY | 5.8% | 49.1% | -17.8% | -4.4% | 94.8% | · | |
| Net Income CAGR 3Y | 9.0% | 5.4% | 15.2% | · | · | · | |
| Net Income CAGR 5Y | 19.3% | · | · | · | · | · | |
| Dividend CAGR 5Y | 20.2% | · | · | · | · | · |
Wycena (TTM) 6
| Wskaźnik | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue TTM | $90M | $83M | $66M | $69M | $63M | · | |
| Net Income TTM | $26M | $25M | $17M | $20M | $21M | · | |
| P/E | 13.8 | 14.3 | · | · | · | · | |
| Earnings Yield | 7.2% | 7.0% | · | · | · | · | |
| Payout Ratio | 30.0% | 16.0% | · | · | 9.8% | · | |
| Annual Payout | $8M | $4M | · | · | $2M | · |
Rachunek zysków i strat 7
| Wskaźnik | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | $15M | $16M | · | $12M | $10M | $6M | $4M | $2M | $1M | |
| Interest Income | $37M | $38M | $38M | $36M | $34M | $34M | $34M | $33M | $31M | $28M | $26M | $24M | $22M | $21M | $18M | $17M | |
| Pretax Income | $12M | $3M | $12M | $11M | $10M | $9M | $9M | $8M | $6M | $4M | $5M | $6M | $8M | $6M | $8M | $7M | |
| Income Tax | $2M | $2M | $3M | $3M | $2M | $2M | $2M | $2M | $1M | $787.0K | $1M | $1M | $2M | $1M | $2M | $2M | |
| Net Income | $9M | $1M | $9M | $8M | $8M | $7M | $7M | $6M | $5M | $3M | $4M | $4M | $6M | $4M | $6M | $5M | |
| EPS (Basic) | $0.51 | $0.09 | $0.46 | · | $0.38 | $0.35 | $0.35 | · | · | · | · | · | · | · | · | · | |
| EPS (Diluted) | $0.51 | $0.10 | $0.45 | · | $0.38 | $0.34 | $0.35 | · | · | · | · | · | · | · | · | · |
Bilans 11
| Wskaźnik | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $79M | $38M | $57M | $55M | $98M | $77M | $38M | $77M | $127M | $41M | $33M | $87M | $63M | $54M | $73M | $83M | |
| PP&E (Net) | $4M | $4M | $4M | $4M | $4M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | |
| PP&E (Gross) | · | $28M | · | · | · | $27M | · | · | · | $27M | · | · | · | $27M | · | · | |
| Accum. Depreciation | · | $23M | · | · | · | $23M | · | · | · | $22M | · | · | · | $22M | · | · | |
| Total Assets | $2.85B | $2.79B | $2.77B | $2.72B | $2.68B | $2.58B | $2.50B | $2.46B | $2.49B | $2.34B | $2.24B | $2.23B | $2.16B | $2.09B | $2.04B | $2.02B | |
| Total Liabilities | $2.62B | $2.57B | $2.56B | $2.49B | $2.45B | $2.37B | $2.29B | $2.26B | $2.29B | $2.15B | $2.06B | $2.04B | $1.98B | $1.90B | $1.86B | $1.84B | |
| Paid-in Capital | $279M | $279M | $278M | $309M | $308M | $308M | $306M | $306M | $306M | $305M | $306M | $306M | $306M | $311M | $311M | $311M | |
| Retained Earnings | $-42M | $-50M | $-49M | $-56M | $-62M | $-68M | $-74M | $-80M | $-85M | $-89M | $-91M | $-95M | $-100M | $-104M | $-109M | $-114M | |
| AOCI | $-31M | $-30M | $-38M | $-42M | $-41M | $-45M | $-38M | $-45M | $-45M | $-44M | $-51M | $-46M | $-42M | $-45M | $-45M | $-37M | |
| Stockholders' Equity | $223M | $217M | $209M | $232M | $225M | $215M | $214M | $201M | $195M | $192M | $183M | $184M | $184M | $182M | $177M | $180M | |
| Liabilities + Equity | $2.85B | $2.79B | $2.77B | $2.72B | $2.68B | $2.58B | $2.50B | $2.46B | $2.49B | $2.34B | $2.24B | $2.23B | $2.16B | $2.09B | $2.04B | $2.02B |
Przepływy pieniężne 13
| Wskaźnik | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $889.0K | $749.0K | $774.0K | $774.0K | $708.0K | $1M | $376.0K | $376.0K | $360.0K | $303.0K | $287.0K | $295.0K | $127.0K | $126.0K | $132.0K | $137.0K | |
| Deferred Tax | $-581.0K | $-758.0K | $2M | $3M | $2M | $2M | $2M | $2M | $1M | $787.0K | $1M | $1M | $2M | $1M | $2M | $2M | |
| Operating Cash Flow | $15M | $-10M | $20M | $18M | $15M | $-3M | $12M | $18M | $8M | $-6M | $8M | $11M | $9M | $-2M | $11M | $15M | |
| CapEx | $320.0K | $95.0K | $114.0K | $48.0K | $46.0K | $58.0K | $78.0K | $87.0K | $91.0K | $32.0K | $71.0K | $38.0K | $22.0K | $498.0K | $2.0K | $18.0K | |
| Investing Cash Flow | $-15M | $-44M | $-44M | $-86M | $-72M | $-51M | $-75M | $-20M | $-66M | $-83M | $-77M | $-44M | $-69M | $-70M | $-39M | $-81M | |
| Stock Issued | $191.0K | $246.0K | $241.0K | $225.0K | $92.0K | $996.0K | $0 | $1.0K | $322.0K | · | · | · | · | $0 | $0 | $0 | |
| Stock Repurchased | $1M | $0 | $34M | $0 | $174.0K | $0 | $121.0K | $301.0K | $79.0K | $970.0K | $0 | $746.0K | $6M | · | · | · | |
| Net Stock Activity | $-810.0K | · | · | · | $-82.0K | · | · | · | $243.0K | · | · | · | $-6M | · | · | · | |
| Dividends Paid | $2M | $2M | $2M | $2M | $2M | $890.0K | $1M | $1M | $1M | · | · | · | · | · | · | · | |
| Financing Cash Flow | $40M | $35M | $26M | $24M | $78M | $92M | $25M | $-47M | $144M | $96M | $15M | $57M | $69M | $53M | $18M | $55M | |
| Net Change in Cash | $40M | $-18M | $2M | $-43M | $21M | $39M | $-39M | $-49M | $85M | $8M | $-54M | $24M | $9M | $-19M | $-10M | $-11M | |
| Free Cash Flow | $15M | · | · | · | $15M | · | · | · | $8M | · | · | · | $9M | · | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | $-4M | · | · | · | $4M | · | · | · |
Rentowność 4
| Wskaźnik | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 35.7% | · | 35.8% | 33.4% | 33.5% | · | 32.2% | 30.3% | 26.2% | · | 23.6% | 26.2% | 32.1% | · | 29.9% | 30.7% | |
| Pretax Margin | 44.6% | · | 47.3% | 44.0% | 44.2% | · | 42.5% | 39.8% | 34.3% | · | 31.3% | 34.5% | 42.6% | · | 40.5% | 40.6% | |
| ROA | 0.34% | · | 0.34% | 0.31% | 0.30% | · | 0.29% | 0.27% | 0.20% | · | 0.18% | 0.20% | 0.28% | · | 0.55% | 0.53% | |
| ROE | 4.2% | · | 4.2% | 3.8% | 3.6% | · | 3.5% | 3.2% | 2.4% | · | 2.1% | 2.3% | 3.1% | · | 6.3% | 5.9% |
Efektywność 1
| Wskaźnik | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 |
Wycena (TTM) 3
| Wskaźnik | Trend | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $98M | · | $94M | $89M | $83M | · | $76M | $70M | $68M | · | $69M | $70M | $70M | · | $70M | $65M | |
| Net Income TTM | $34M | · | $32M | $29M | $25M | · | $22M | $19M | $18M | · | $19M | $21M | $22M | · | $22M | $21M | |
| Payout Ratio | 24.4% | · | · | · | 26.2% | · | · | · | 22.0% | · | · | · | · | · | · | · |
Sprawozdania finansowe Rachunek zysków i strat, bilans, przepływy pieniężne — roczne, ostatnie 5 lat
Rachunek zysków i strat
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Zysk netto | $26M | $25M | $17M | $20M | $21M |
| Rozwodniony EPS | $1.33 | $1.24 | — | — | — |
Przepływy pieniężne
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Wolny przepływ pieniężny | $43M | $34M | $22M | $29M | $21M |
Najnowsze wiadomości Najnowsze nagłówki wspominające o tej firmie
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