Uscb Financial Holdings reported a net margin of 32.48% for the quarter ended Jun 2026. These financial ratios cover 22 quarters of results from Mar 2021 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| Ratios | Mar2021 | Jun2021 | Sep2021 | Dec2021 | Mar2022 | Jun2022 | Sep2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||||||||||
| EBT Margin | 49.08% | 44.26% | 41.12% | 40.58% | 40.52% | 34.93% | 42.56% | 34.38% | 31.32% | 22.34% | 34.26% | 39.84% | 42.52% | 39.60% | 44.23% | 44.01% | 47.30% | 16.33% | 44.61% | 45.49% | ||
| EBIT Margin | 54.52% | 49.98% | 47.02% | 46.61% | 49.69% | 57.22% | 77.89% | 97.23% | 107.70% | 108.95% | 123.52% | 114.42% | 114.24% | 104.02% | 109.33% | 105.96% | 113.19% | 93.29% | 101.80% | 99.86% | ||
| EBITDA Margin | 54.52% | 49.98% | 47.02% | 46.61% | 49.69% | 57.22% | 77.89% | 97.23% | 107.70% | 108.95% | 123.52% | 114.42% | 114.24% | 104.02% | 109.33% | 105.96% | 113.19% | 93.29% | 101.80% | 99.86% | ||
| Net Margin | -472.26% | 33.79% | 29.74% | 30.68% | 29.94% | 26.48% | 32.15% | 26.09% | 23.60% | 17.33% | 26.17% | 30.26% | 32.25% | 30.04% | 33.54% | 33.36% | 35.82% | 6.80% | 35.69% | 32.48% | ||
| FCF Margin | 54.97% | -11.46% | 33.37% | 83.92% | 61.71% | -15.07% | 49.70% | 69.32% | 51.08% | -38.28% | 45.41% | 88.82% | 52.21% | -12.86% | 63.87% | 73.73% | 80.27% | -50.41% | 57.09% | 86.62% | ||
| Efficiency | ||||||||||||||||||||||
| Assets AverageAssets Avg. | 1,910.60M | 1,991.67M | 2,026.77M | 2,061.64M | 2,124.83M | 2,194.87M | 2,235.26M | 2,291.85M | 2,414.12M | 2,473.71M | 2,481.11M | 2,542.59M | 2,629.30M | 2,698.43M | 2,743.71M | 2,779.74M | 2,818.64M | 2,932.72M | ||||
| Invested CapitalInvested Cap. | 215.39M | 248.36M | 256.48M | 262.58M | 272.61M | |||||||||||||||||
| Asset Utilization RatioAsset Util. | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | ||||
| Leverage & Solvency | ||||||||||||||||||||||
| Interest Coverage RatioInterest Cover | 10.01 | 8.75 | 7.97 | 7.72 | 5.42 | 2.57 | 2.20 | 1.55 | 1.41 | 1.26 | 1.38 | 1.53 | 1.59 | 1.61 | 1.68 | 1.71 | 1.72 | 1.21 | 1.78 | 1.84 | ||
| Debt Ratio | 0.01 | 0.01 | 0.01 | 0.01 | ||||||||||||||||||
| Times Interest Earned | 10.01 | 8.75 | 7.97 | 7.72 | 5.42 | 2.57 | 2.20 | 1.55 | 1.41 | 1.26 | 1.38 | 1.53 | 1.59 | 1.61 | 1.68 | 1.71 | 1.72 | 1.21 | 1.78 | 1.84 | ||
| Dividends & Payouts | ||||||||||||||||||||||
| Dividend Coverage RatioDiv. Cover | -154.12 | 4.54 | 6.11 | 6.84 | 7.76 | 3.82 | 4.06 | 4.45 | 0.75 | 4.10 | 3.96 | |||||||||||
| FCF Payout RatioFCF Cover | 0.06 | 0.13 | 0.06 | 0.09 | -0.30 | 0.14 | 0.11 | 0.10 | -0.18 | 0.15 | 0.09 | |||||||||||
| Dividend YieldDiv. Yield | 0.18% | 0.45% | 0.40% | 0.34% | 0.25% | 0.54% | 0.60% | 0.64% | 0.54% | 0.67% | 0.61% | |||||||||||
| Payout Ratio | -0.01 | 0.22 | 0.16 | 0.15 | 0.13 | 0.26 | 0.25 | 0.22 | 1.33 | 0.24 | 0.25 | |||||||||||
| Valuation | ||||||||||||||||||||||
| Price to EarningsP/E | -3.63 | 34.21 | 59.05 | 43.59 | 47.18 | 53.99 | 33.41 | 47.51 | 53.78 | 88.13 | 48.57 | 40.56 | 43.54 | 51.23 | 48.59 | 40.80 | 35.35 | 246.73 | 36.21 | 41.64 | ||
| Price to SalesP/S | 17.17 | 11.56 | 17.56 | 13.37 | 14.13 | 14.30 | 10.74 | 12.40 | 12.69 | 15.27 | 12.71 | 12.27 | 14.04 | 15.39 | 16.30 | 13.61 | 12.66 | 16.78 | 12.93 | 13.53 | ||
| Price to BookP/B | 1.50 | 0.95 | 1.49 | 1.28 | 1.48 | 1.31 | 1.06 | 1.09 | 1.12 | 1.25 | 1.15 | 1.25 | 1.41 | 1.64 | 1.65 | 1.43 | 1.51 | 1.55 | 1.52 | 1.62 | ||
| Enterprise Value | 303.64M | 145.01M | 190.48M | 147.54M | 187.36M | 183.71M | 119.35M | 112.08M | 171.95M | 198.74M | 97.47M | 174.60M | 264.08M | 276.63M | 274.11M | 277.28M | 259.22M | 297.82M | 259.65M | 259.83M | ||
| EV to EBIT | 31.48 | 17.35 | 24.82 | 18.34 | 20.31 | 19.18 | 8.48 | 7.17 | 9.87 | 11.62 | 4.48 | 7.44 | 10.73 | 11.57 | 10.98 | 10.72 | 9.18 | 15.92 | 9.74 | 9.31 | ||
| EV to EBITDA | 31.48 | 17.35 | 24.82 | 18.34 | 20.31 | 19.18 | 8.48 | 7.17 | 9.87 | 11.62 | 4.48 | 7.44 | 10.73 | 11.57 | 10.98 | 10.72 | 9.18 | 15.92 | 9.74 | 9.31 | ||
| Market Capitalization | 303.64M | 193.28M | 286.61M | 230.81M | 262.21M | 239.39M | 194.07M | 199.36M | 205.39M | 239.80M | 224.02M | 251.86M | 302.57M | 353.66M | 372.10M | 332.10M | 316.03M | 336.29M | 338.61M | 377.99M | ||
| Price to FCFP/FCF | 31.23 | -100.88 | 52.61 | 15.94 | 22.89 | -94.88 | 21.61 | 17.88 | 24.84 | -39.90 | 27.99 | 13.82 | 26.90 | -119.68 | 25.52 | 18.46 | 15.77 | -33.28 | 22.64 | 15.61 | ||
| EV to FCF | 31.23 | -75.69 | 34.96 | 10.19 | 16.36 | -72.81 | 13.29 | 10.05 | 20.80 | -33.07 | 12.18 | 9.58 | 23.48 | -93.61 | 18.80 | 15.41 | 12.94 | -29.47 | 17.36 | 10.73 | ||
| EV to CFO | 30.99 | -90.80 | 34.00 | 10.17 | 16.35 | -90.72 | 13.26 | 10.02 | 20.62 | -33.24 | 12.04 | 9.53 | 23.31 | -95.49 | 18.74 | 15.37 | 12.87 | -29.75 | 17.00 | 10.54 | ||
| Return Ratios | ||||||||||||||||||||||
| Return on Sales [ROS]ROS | 54.52% | 49.98% | 47.02% | 46.61% | 49.69% | 57.22% | 77.89% | 97.23% | 107.70% | 108.95% | 123.52% | 114.42% | 114.24% | 104.02% | 109.33% | 105.96% | 113.19% | 93.29% | 101.80% | 99.86% | ||
| Return on Invested Capital [ROIC]ROIC | 28.15% | 28.41% | 27.61% | |||||||||||||||||||
| Return on Assets [ROA]ROA | 1.11% | 1.12% | 1.05% | 0.98% | 0.99% | 0.91% | 0.82% | 0.72% | 0.64% | 0.70% | 0.83% | 0.97% | 1.05% | 1.10% | 1.15% | 0.94% | 0.99% | 0.98% |