Fundamental Analysis of USCB Financial HLDG Inc. - Growth / Value Index
USCB - Valuation Highlights
Valuation Analysis
Tsr Value Index - Good Score of 78.12
Undervalued - Price to Intrinsic Value of 0.252
Price to Book Ratio is 0.385 indicating that it is undervalued.
Valuation Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Price to Earning | 15.94 | 13.47 | 8.59 % | |
| Price to Book | 0.399 | 1.28 | -6.46 % | 0.404 |
| Price to Sales | 2.58 | 3.67 | -2.47 % | |
| Enterprise Value to EBITDA Multiple | 18.44 | 7.54 | -0.535 % |
USCB - Profitability Highlights
Profitability Analysis
Earning Yield of 6.50 %
Excellent Net Margin for last 3 years
All key Trailing Twelve Months Margin growing by 15 %
EBITDA is continuously increasing for last 3 Years
Good Net Margin of 16.19% is achieved by the company
In the last three years, the company has given poor Returns on Assets
Profitability Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Return On Equity | 8.19 | 9.51 | -13.85 % | 2.36 |
| Return On Asset | 0.669 | 0.781 | -19.16 % | 0.185 |
| Net Profit Margin | 16.19 | 27.25 | -10.19 % | 13.83 |
| Operating Profit Margin | 22.14 | 34.69 | -14.95 % | 19.40 |
| EBITDA Margin | 22.16 | 76.76 | 44.74 % | -1.30 |
Highlights
| Market Cap | 245498 K |
| Enterprise Value | 387436 K |
| Price/Book TTM | 0.399 |
| Outstanding Share | 19655.60 K |
| Float/ Outstanding Share | 68.41% |
| Dividend Yield | 1.63 % |
Share Holding
Guru Numbers
| Price/Graham No | 0.953 |
| Peter Lynch Ratio | -0.495 |
| Piotroski F Score | 6.00 |
| Altman Z Score | 0.116 |
| Sloan Ratio | -0.0035 |
| Peter Lynch Fair Value | 19.59 |
USCB - Growth Highlights
Growth Analysis
Short term positive trend in total sale and net profit
Annual sales of the company is increased for three years in a row
Quarterly sales in last 5 years is trending up
Steady increase in Total Assets for last 3 Years
Tsr Growth Index - Poor Score of 34.14
Growth Key Fields
| Field | TTM | YoY Growth | QoQ Growth |
|---|---|---|---|
| Revenue | 94817.00 K | 0.931 % | 13.82 % |
| Gross Profit | 94817.00 K | 63.30 % | 13.82 % |
| EBITDA | 21008.00 K | 46.08 % | 5.10 % |
| Net Profit | 15348.00 K | 9.35 % | 69.50 % |
| EPS | 0.783 | 7.91 % | NA |
USCB - Stability Highlights
Stability Analysis
Tsr Stability Index - Poor Score of 29.69
Altman Z Score of 0.114 suggest high risk
Stability Key Ratios
| Ratio | Latest FY | Yoy Change | MRQ |
|---|---|---|---|
| Debt to Equity Ratio | 0.953 | 134.51 % | 0.831 |
| Cash Ratio | 0.0256 | -17.76 % | |
| Quick Ratio | 0.058 | -16.05 % | 0.154 |
| Shareholders Equity | 8.21 | -6.16 % | |
| Debt to EBITDA | 3.56 | 68.92 % |
Historical Valuation Ratios of USCB Financial HLDG Inc.
Historical Valuation Ratios
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Historical Profitability Ratios of USCB Financial HLDG Inc.
Historical Profitability Ratios
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Historical Efficiency Ratios of USCB Financial HLDG Inc.
Historical Efficiency Ratios
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Historical Solvency Ratios of USCB Financial HLDG Inc.
Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)