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USCB Financial HoldingsUSCB +1.51%63 3-Year EPS without NRI Growth Rate is 10.50% as of Jun. 2026, which is 12% below its 10-year median of 11.90. GuruFocus rates USCB with a GF Score™ of 63/100 and a GF Value™ of $21.59 (Fairly Valued). The stock has 8 warning signs investors should review. Among 1,407 Banks companies, USCB Financial Holdings ranks better than 58.28% on this metric.
During the past 12 months, USCB Financial Holdings's average EPS without NRI Growth Rate was 4.80% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 10.50% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 6 years, the highest 3-Year average EPS without NRI Growth Rate of USCB Financial Holdings was 13.30% per year. The lowest was 10.50% per year. And the median was 11.90% per year.
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
USCB Financial Holdings 3-Year EPS without NRI Growth Rate Related Terms
USCB vs ISTR, AVBC, PBFS: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, USCB Financial Holdings's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, USCB Financial Holdings's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where USCB Financial Holdings's 3-Year EPS without NRI Growth Rate falls into.
USCB Financial Holdings 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 10.50% mean?
USCB Financial Holdings (USCB) has a 3-Year EPS without NRI Growth Rate of 10.50% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for USCB Financial Holdings and its competitors. This is 12% below median its historical median of 11.90. Over the past decade, USCB Financial Holdings' 3-Year EPS without NRI Growth Rate has ranged from 10.50 to 13.30. According to the industry distribution chart, USCB Financial Holdings ranks #587 out of 1407 companies in the Banks industry, placing it in the top 41.7%.
Is USCB Financial Holdings' 3-Year EPS without NRI Growth Rate too high?
USCB Financial Holdings' current 3-Year EPS without NRI Growth Rate of 10.50% is 12% below median its 10-year median of 11.90. Over the past 10 years, this metric has ranged from a low of 10.50 to a high of 13.30. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. USCB Financial Holdings' value of 10.50% is 40% above this industry median. Based on the distribution chart, USCB Financial Holdings ranks #587 out of 1407 companies in the Banks industry, which is above the industry midpoint. Overall, USCB Financial Holdings has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does USCB Financial Holdings' 3-Year EPS without NRI Growth Rate compare to ISTR and AVBC?
According to the Banks industry distribution chart, USCB Financial Holdings ranks #587 out of 1407 companies for 3-Year EPS without NRI Growth Rate. This puts USCB Financial Holdings in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. USCB Financial Holdings' value of 10.50% is 40% above this benchmark. Historically, USCB Financial Holdings' own 3-Year EPS without NRI Growth Rate has ranged from 10.50 to 13.30 over the past decade. While the company's 10-year median is 11.90 vs. the industry median of 7.50, USCB Financial Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,407 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. USCB Financial Holdings's current 3-Year EPS without NRI Growth Rate of 10.50% is 40% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for USCB Financial Holdings and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. USCB Financial Holdings's current 3-Year EPS without NRI Growth Rate is 10.50%, which is 12% below median its own 10-year median of 11.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is USCB Financial Holdings stock overvalued right now?
Based on GuruFocus' analysis, USCB Financial Holdings (USCB) is currently considered Fairly Valued. The stock's GF Value™ is $21.59, compared to a current price of $23.45 — trading 8.6% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 10.50%, which is 12% below median its 10-year median of 11.90 and 40% above the Banks industry median of 7.50. USCB Financial Holdings' overall GF Score™ is 63/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For USCB Financial Holdings (USCB), the current 3-Year EPS without NRI Growth Rate is 10.50% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
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 $23.45 is trading 8.6% above its estimated GF Value™ of $21.59.
GuruFocus considers USCB Financial Holdings to be Fairly Valued.
Key valuation signals for USCB:
3-Year EPS without NRI Growth Rate: 10.50% (12% below median its 10-year median of 11.90)
GF Value™: $21.59 vs. price of $23.45 (8.6% above fair value)
Industry Position: 40% above the Banks median (#587 of 1407)
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 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.
63GF Score
Get the complete analysis for USCB
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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