USCB FINANCIAL HOLDINGS, INC. (USCB)
State Commercial Banks · Financial Services · $523M
Intrinsic Value (Consensus)
$24.45
Current Price
$26.60
Margin of Safety
-8.1%
8.1% Above Intrinsic Value
Value: $24
Price: $27
Valuation Model Estimates
Current Price: $26.60
DCF (Discounted Cash Flow)
$40.09
Graham Number
$18.19
Earnings Power Value
$12.91
Relative Value (P/E)
$26.60
Dividend Discount Model
$4.11
Consensus Value
$24.45
Model Assumptions
Discount Rate
10.3%
Growth Rate
7.3%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Key Financials
- EPS (TTM)
- $1.33
- EPS (Forward)
- $1.43
- Book Value
- $11.05
- P/E Ratio
- 20.0
- Forward P/E
- 18.6
- PEG Ratio
- —
- ROE
- 12.0%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 7.3%
- Dividend Yield
- 0.5%
- Beta
- 1.00
Data last updated: 2026-06-12
Source: Yahoo Finance