Historical Valuation
USCB Financial Holdings Inc (USCB) is now in the Undervalued zone, suggesting that its current forward PE ratio of 8.66 is considered Undervalued compared with the five-year average of 11.42. The fair price of USCB Financial Holdings Inc (USCB) is between 22.05 to 27.95 according to relative valuation methord. Compared to the current price of 19.64 USD , USCB Financial Holdings Inc is Undervalued By 10.92%.
Relative Value
Fair Zone
22.05-27.95
Current Price：19.64
10.92%
Undervalued
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
USCB Financial Holdings Inc (USCB) has a current Price-to-Book (P/B) ratio of 1.58. Compared to its 3-year average P/B ratio of 1.37 , the current P/B ratio is approximately 15.05% higher. Relative to its 5-year average P/B ratio of 1.38, the current P/B ratio is about 14.44% higher. USCB Financial Holdings Inc (USCB) has a Forward Free Cash Flow (FCF) yield of approximately 14.83%. Compared to its 3-year average FCF yield of 11.03%, the current FCF yield is approximately 34.50% lower. Relative to its 5-year average FCF yield of 10.21% , the current FCF yield is about 45.34% lower.
P/B
Median3y
1.37
Median5y
1.38
FCF Yield
Median3y
11.03
Median5y
10.21
Competitors Valuation Multiple
AI Analysis for USCB
The average P/S ratio for USCB competitors is 2.28, providing a benchmark for relative valuation. USCB Financial Holdings Inc Corp (USCB.O) exhibits a P/S ratio of 2.99, which is 31.13% above the industry average. Given its robust revenue growth of 15.83%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for USCB
1Y
3Y
5Y
Market capitalization of USCB increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of USCB in the past 1 year is driven by Unknown.
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Frequently Asked Questions
Is USCB currently overvalued or undervalued?
USCB Financial Holdings Inc (USCB) is now in the Undervalued zone, suggesting that its current forward PE ratio of 8.66 is considered Undervalued compared with the five-year average of 11.42. The fair price of USCB Financial Holdings Inc (USCB) is between 22.05 to 27.95 according to relative valuation methord. Compared to the current price of 19.64 USD , USCB Financial Holdings Inc is Undervalued By 10.92% .
What is USCB Financial Holdings Inc (USCB) fair value?
USCB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of USCB Financial Holdings Inc (USCB) is between 22.05 to 27.95 according to relative valuation methord.
How does USCB's valuation metrics compare to the industry average?
The average P/S ratio for USCB's competitors is 2.28, providing a benchmark for relative valuation. USCB Financial Holdings Inc Corp (USCB) exhibits a P/S ratio of 2.99, which is 31.13% above the industry average. Given its robust revenue growth of 15.83%, this premium appears unsustainable.
What is the current P/B ratio for USCB Financial Holdings Inc (USCB) as of Jan 10 2026?
As of Jan 10 2026, USCB Financial Holdings Inc (USCB) has a P/B ratio of 1.58. This indicates that the market values USCB at 1.58 times its book value.
What is the current FCF Yield for USCB Financial Holdings Inc (USCB) as of Jan 10 2026?
As of Jan 10 2026, USCB Financial Holdings Inc (USCB) has a FCF Yield of 14.83%. This means that for every dollar of USCB Financial Holdings Inc’s market capitalization, the company generates 14.83 cents in free cash flow.
What is the current Forward P/E ratio for USCB Financial Holdings Inc (USCB) as of Jan 10 2026?
As of Jan 10 2026, USCB Financial Holdings Inc (USCB) has a Forward P/E ratio of 8.66. This means the market is willing to pay $8.66 for every dollar of USCB Financial Holdings Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for USCB Financial Holdings Inc (USCB) as of Jan 10 2026?
As of Jan 10 2026, USCB Financial Holdings Inc (USCB) has a Forward P/S ratio of 2.99. This means the market is valuing USCB at $2.99 for every dollar of expected revenue over the next 12 months.