USCB (USCB Financial Holdings) Cyclically Adjusted PB Ratio: (As of Jul. 09, 2026)


USCB USCB Financial Holdings Inc USCB
65 GF Score
Price $20.10
GF Value $20.00
Valuation Fairly Valued
! 3 Warning Signs
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What is USCB Financial Holdings Cyclically Adjusted PB Ratio?

USCB Financial Holdings does not have a history long enough to calculate Cyclically Adjusted Book per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PB Ratio for this company.

Shiller PE for Stocks: The True Measure of Stock Valuation

USCB Financial Holdings  (NAS:USCB) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.

USCB Financial Holdings Cyclically Adjusted PB Ratio Related Terms

USCB Financial Holdings Cyclically Adjusted PB Ratio Historical Data

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The historical data trend for USCB Financial Holdings's Cyclically Adjusted PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

USCB Financial Holdings Cyclically Adjusted PB Ratio Chart

USCB Financial Holdings Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PB Ratio
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USCB Financial Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

USCB vs MVBF, RVRF, WSBF: Cyclically Adjusted PB Ratio Comparison

For the Banks - Regional subindustry, USCB Financial Holdings's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

USCB Financial Holdings Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, USCB Financial Holdings's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where USCB Financial Holdings's Cyclically Adjusted PB Ratio falls into.


USCB
65GF Score
USCB Financial Holdings Inc USCB
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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USCB Financial Holdings Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

USCB Financial Holdings does not have a history long enough to calculate Cyclically Adjusted Book per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PB Ratio for this company.

Is USCB Financial Holdings (USCB) Overvalued in 2026?

Based on GuruFocus' analysis, USCB Financial Holdings stock appears to be overvalued. The current stock price of $20.10 is trading 0.5% above its estimated GF Value™ of $20.00. GuruFocus considers USCB Financial Holdings to be Fairly Valued.

Key valuation signals for USCB:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: $20.00 vs. price of $20.10 (0.5% above fair value)
  • GF Score™: 65/100 with 3 warning signs

No single metric tells the full story. See the USCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

USCB Financial Holdings Business Description

Address 2301 NW 87th Avenue, Doral, FL, USA, 33172
USCB Financial Holdings Inc is a bank holding company. Through its banking subsidiary, it offers relationship-based banking products, services, and solutions to a diverse set of clients in the local markets it operates in and international clients with U.S. banking needs. The Group's products and services offerings mainly include traditional deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, etc.; e-banking services; title insurance policies for real estate transactions; and a variety of lending products such as small business loans, commercial real estate loans, business credit cards, etc.; and others. Geographically, its primary banking market is South Florida.
65GF Score

Get the complete analysis for USCB

Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.10
Price
$20.00
GF Value