USCB Financial Holdings
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
14.10
Price/Sales ratio
3.83
Earnings per Share (EPS)
$1.23

Historical Multiples (2019 – 2023)

2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
N/A10.006.9812.1114.5216.958.49
Price/Sales ratio
N/A2.172.423.553.772.922.30
Price/Book Value ratio
N/A0.630.721.331.251.620.67
Price/Cash Flow ratio
N/A8.266.678.2610.6611.157.47
Price/Free Cash Flow ratio
N/A8.496.878.4510.738.377.62
Price/Earnings Growth ratio
N/AN/A-0.00-0.10-0.860.210.10
Dividend Yield
N/A2.88%1.41%N/AN/A1.12%0.70%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%170.46%125.74%100%
Operating Profit Margin
31.51%26.98%45.60%50.23%48.36%23.49%47.91%
Pretax Profit Margin
30.76%26.98%45.60%39.40%34.26%22.39%42.50%
Net Profit Margin
23.22%21.77%34.72%29.30%26.01%17.07%32.01%
Effective Tax Rate
24.51%19.30%23.84%25.63%24.09%23.77%24.74%
Return on Assets
0.79%0.72%1.13%0.96%0.70%0.81%1.05%
Return On Equity
6.48%6.32%10.33%11.04%8.61%10.22%10.68%
Return on Capital Employed
1.07%0.89%1.50%1.66%4.25%1.12%1.58%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/A
Quick Ratio
80.1315.6111.018.980.05N/A10.00
Cash ratio
80.136.994.873.940.02N/A4.41
Days of Sales Outstanding
N/AN/A35.93N/AN/A32.7317.96
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/A32.73N/A
Days of Payables Outstanding
N/AN/AN/AN/A-126.75-427.84N/A
Cash Conversion Cycle
N/AN/AN/AN/A126.75460.57N/A
Debt Ratios
Debt Ratio
0.030.020.010.010.070.040.02
Debt Equity Ratio
0.250.210.170.110.950.550.19
Long-term Debt to Capitalization
0.200.170.150.100.480.350.16
Total Debt to Capitalization
0.200.170.150.100.480.350.16
Interest Coverage Ratio
N/AN/AN/AN/AN/A0.46N/A
Cash Flow to Debt Ratio
0.340.360.611.400.120.261.00
Company Equity Multiplier
8.188.789.0911.4312.1811.708.93
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.320.260.360.420.350.250.39
Free Cash Flow / Operating Cash Flow Ratio
0.930.970.970.970.991.340.97
Cash Flow Coverage Ratio
0.340.360.611.400.120.261.00
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
17.57%28.90%9.85%N/AN/A14.87%12.36%