USCB Financial Holdings

USCB

Banks - Regional · Financial Services

Price

$20.48

-0.46 (-2.20%)

Market Cap

$374.0M

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count falling — buybacks

−6.2% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 19.6M (2021) → 18.3M (2025)

USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various banking products and services to small-to-medium sized businesses. The company accepts checking, savings, money market, and time deposit accounts; and certificates of deposit. Its loan products include residential real estate loans; commercial real estate loans; commercial and industrial loans; foreign banks loans; and secured and unsecured consumer loans comprising personal loans, over

Winston Score History

Score breakdown

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Quality

Gross Margin

96.9%

Premium pricing power — 96.9% gross margin

Operating Margin

44.6%

Excellent — 44.6% operating margin

ROCE

3.7%

Weak — 3.7% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-5.2%

Shrinking sales (-5.2% YoY)

EPS YoY

+3.9%

Modest earnings growth (3.9% YoY)

Single-digit earnings growth — steady but not exciting.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

156%

Turns 156% of profit into real cash

FCF Margin

30.5%

Converts sales into free cash efficiently (30.5%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.41

Conservative — low debt load (0.41)

Interest Cover

0.61x

Dangerous — barely covers interest (0.6x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

14.1x

Attractive valuation — P/E 14.1

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+3.9

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (14.1 → 10.2)

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Dividends

Dividend Yield

2.20%

Moderate income — 2.20% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+50.0%

Dividend growing fast (50.0% YoY)

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