XNASUSCB
Market cap359mUSD
Jan 15, Last price
18.14USD
1D
3.07%
1Q
21.34%
IPO
70.17%
Name
US Century Bank
Chart & Performance
P/E
21.75
P/S
5.66
EPS
0.83
Div Yield, %
0.00%
Shrs. gr., 5y
-74.71%
Rev. gr., 5y
33.44%
Revenues
64m
-7.46%
Net income
17m
-17.85%
CFO
23m
-23.67%
Dividend
Aug 15, 20240.05 USD/sh
Earnings
Jan 23, 2025
Profile
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, overdrafts, and deposit account collateralized loans. The company also offers treasury, commercial payments, cash management, and online banking services. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|
| 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | |
| Income | |||||
Revenues | 63,604 -7.46% | 68,728 13.24% | |||
Cost of revenue | (11,971) | 23,943 | |||
Unusual Expense (Income) | |||||
NOPBT | 75,575 | 44,785 | |||
NOPBT Margin | 118.82% | 65.16% | |||
Operating Taxes | 5,251 | 6,944 | |||
Tax Rate | 6.95% | 15.51% | |||
NOPAT | 70,324 | 37,841 | |||
Net income | 16,545 -17.85% | 20,141 -4.44% | |||
Dividends | |||||
Dividend yield | |||||
Proceeds from repurchase of equity | (7,508) | 102 | |||
BB yield | 3.11% | -0.04% | |||
| Debt | |||||
Debt current | 28,158 | ||||
Long-term debt | 205,846 | 74,790 | |||
Deferred revenue | (3,887) | ||||
Other long-term liabilities | 355,460 | (46,665) | |||
Net debt | 121,588 | (370,059) | |||
| Cash flow | |||||
Cash from operating activities | 22,546 | 29,537 | |||
CAPEX | (163) | (673) | |||
Cash from investing activities | (273,002) | (270,601) | |||
Cash from financing activities | 237,350 | 249,004 | |||
FCF | 1,619,482 | 15,672 | |||
| Balance | |||||
Cash | 41,062 | 54,168 | |||
Long term investments | 43,196 | 418,839 | |||
Excess cash | 81,078 | 469,571 | |||
Stockholders' equity | (113,244) | (128,854) | |||
Invested Capital | 835,740 | 2,225,229 | |||
ROIC | 4.59% | 1.82% | |||
ROCE | 10.46% | 2.13% | |||
| EV | |||||
Common stock shares outstanding | 19,688 | 20,177 | |||
Price | 12.25 0.41% | 12.20 -12.89% | |||
Market cap | 241,174 -2.02% | 246,157 67.27% | |||
EV | 362,762 | (123,902) | |||
EBITDA | 76,165 | 45,473 | |||
EV/EBITDA | 4.76 | ||||
Interest | 42,449 | 7,439 | |||
Interest/NOPBT | 56.17% | 16.61% | |||