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USCB Financial HoldingsUSCB +0.95%69 EV-to-OCF is 11.71 as of Aug. 11, 2026, which is 18% above its 10-year median of 9.92. GuruFocus rates USCB with a GF Score™ of 69/100 and a GF Value™ of $20.38 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,499 Banks companies, USCB Financial Holdings ranks worse than 66.78% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, USCB Financial Holdings's Enterprise Value is $586.17 Mil.
USCB Financial Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $50.06 Mil. Therefore, USCB Financial Holdings's EV-to-OCF for today is 11.71.
The historical rank and industry rank for USCB Financial Holdings's EV-to-OCF or its related term are showing as below:
USCB'
s EV-to-OCF Range Over the Past 10 Years
Min: 6.5 Med: 9.92 Max: 17.6
Current: 11.71
During the past 6 years, the highest EV-to-OCF of USCB Financial Holdings was 17.60. The lowest was 6.50. And the median was 9.92.
USCB's EV-to-OCF is ranked worse than 66.78% of 1499
companies
in the Banks industry
Industry Median: 4
vs USCB: 11.71
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
USCB Financial Holdings's PE Ratio (TTM) for today is calculated as:
USCB Financial Holdings's share price for today is $22.27.
USCB Financial Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.540.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, USCB Financial Holdings's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, USCB Financial Holdings's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where USCB Financial Holdings's EV-to-OCF falls into.
USCB Financial Holdings's current Enterprise Value is $586.17 Mil.
USCB Financial Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $50.06 Mil.
* 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 (USCB) has a EV-to-OCF of 11.71 as of Aug. 11, 2026. This is 18% above median its historical median of 9.92. Over the past decade, USCB Financial Holdings' EV-to-OCF has ranged from 6.50 to 17.60. According to the industry distribution chart, USCB Financial Holdings ranks #1001 out of 1499 companies in the Banks industry, placing it in the top 66.8%.
Is USCB Financial Holdings' EV-to-OCF too high?
USCB Financial Holdings' current EV-to-OCF of 11.71 is 18% above median its 10-year median of 9.92. Over the past 10 years, this metric has ranged from a low of 6.50 to a high of 17.60. The Banks industry median EV-to-OCF is 4.00. USCB Financial Holdings' value of 11.71 is 192.8% above this industry median. Based on the distribution chart, USCB Financial Holdings ranks #1001 out of 1499 companies in the Banks industry, which is below the industry midpoint. Overall, USCB Financial Holdings has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does USCB Financial Holdings' EV-to-OCF compare to FNLC and PCB?
According to the Banks industry distribution chart, USCB Financial Holdings ranks #1001 out of 1499 companies for EV-to-OCF. This places USCB Financial Holdings in the lower half of its industry. The industry median EV-to-OCF is 4.00. USCB Financial Holdings' value of 11.71 is 192.8% above this benchmark. Historically, USCB Financial Holdings' own EV-to-OCF has ranged from 6.50 to 17.60 over the past decade. While the company's 10-year median is 9.92 vs. the industry median of 4.00, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.00, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. USCB Financial Holdings's current EV-to-OCF of 11.71 is 192.8% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. USCB Financial Holdings's current EV-to-OCF is 11.71, which is 18% above median its own 10-year median of 9.92. 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 $20.38, compared to a current price of $22.27 — trading 9.3% above its estimated fair value. The current EV-to-OCF is 11.71, which is 18% above median its 10-year median of 9.92 and 192.8% above the Banks industry median of 4.00. USCB Financial Holdings' overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For USCB Financial Holdings (USCB), the current EV-to-OCF is 11.71 as of Aug. 11, 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 $22.27 is trading 9.3% above its estimated GF Value™ of $20.38.
GuruFocus considers USCB Financial Holdings to be Fairly Valued.
Key valuation signals for USCB:
EV-to-OCF: 11.71 (18% above median its 10-year median of 9.92)
GF Value™: $20.38 vs. price of $22.27 (9.3% above fair value)
Industry Position: 192.8% above the Banks median (#1001 of 1499)
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.
69GF Score
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EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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