USCB FINANCIAL HOLDINGS, INC. (USCB)
State Commercial Banks · Financial Services · $379M
Intrinsic Value (Consensus)
$24.45
Current Price
$19.29
Margin of Safety
+26.7%
26.7% Below Intrinsic Value
Value: $24
Price: $19
Valuation Model Estimates
Current Price: $19.29
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%.
Health Score
C
61
Profitability
18/25
Strength
17/25
Valuation
19/25
Growth
7/25
Financial Health Signals
High free cash flow yield (11.2%) — generating lots of cash relative to price
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
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Data last updated: 2026-06-16
Source: Yahoo Finance