Company Analysis USCB Financial Holdings, Inc.
1. Summary
Advantages
- Price (11.13 $) is less than fair price (19.57 $)
- The stock's return over the last year (36.28%) is higher than the sector average (-23.44%).
- The company's current efficiency (ROE=8.62%) is higher than the sector average (ROE=5.61%)
Disadvantages
- Dividends (0.7542%) are below the sector average (1.93%).
- Current debt level 8.3% has increased over 5 years from 0%.
Similar companies
2. Share price and performance
2.1. Share price
2.2. News
2.3. Market efficiency
| USCB Financial Holdings, Inc. | Financials | Index | |
|---|---|---|---|
| 7 days | 0.7% | -47.1% | 2.9% |
| 90 days | -0.3% | -33% | 10.4% |
| 1 year | 36.3% | -23.4% | 33.6% |
USCB vs Sector: USCB Financial Holdings, Inc. has outperformed the "Financials" sector by 59.72% over the past year.
USCB vs Market: USCB Financial Holdings, Inc. has outperformed the market by 2.63% over the past year.
Stable price: USCB is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: USCB with weekly volatility of 0.6977% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Below fair price: The current price (11.13 $) is lower than the fair price (19.57 $).
Price significantly below the fair price: The current price (11.13 $) is 75.8% lower than the fair price.
4.2. P/E
P/E vs Sector: The company's P/E (14.42) is lower than that of the sector as a whole (38.91).
P/E vs Market: The company's P/E (14.42) is lower than that of the market as a whole (48.79).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (1.24) is higher than that of the sector as a whole (0.6287).
P/BV vs Market: The company's P/BV (1.24) is lower than that of the market as a whole (3.36).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (2.2) is lower than that of the sector as a whole (4.98).
P/S vs Market: The company's P/S indicator (2.2) is lower than that of the market as a whole (10.23).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (-269.7) is lower than that of the sector as a whole (40.88).
EV/Ebitda vs Market: The company's EV/Ebitda (-269.7) is lower than that of the market as a whole (28.28).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Rising and has grown by 11.82% over the last 5 years.
Earnings Slowdown: The last year's return (0%) is below the 5-year average return (11.82%).
Profitability vs Sector: The return for the last year (0%) is lower than the return for the sector (4.17%).
5.4. ROE
ROE vs Sector: The company's ROE (8.62%) is higher than that of the sector as a whole (5.61%).
ROE vs Market: The company's ROE (8.62%) is lower than that of the market as a whole (10.82%).
5.5. ROA
ROA vs Sector: The company's ROA (0.7062%) is lower than that of the sector as a whole (5.48%).
ROA vs Market: The company's ROA (0.7062%) is lower than that of the market as a whole (6.51%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.05%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (10.79%).
7. Dividends
7.1. Dividend yield vs Market
Low yield: The dividend yield of the company 0.7542% is below the average for the sector '1.93%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 0.7542% has been steadily paid over the past 7 years, DSI=1.
Weak dividend growth: The company's dividend yield 0.7542% has been growing weakly or stagnant over the past 5 years. Growth over only 2 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (3023.32%) are at an uncomfortable level.
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