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USCB Financial HoldingsUSCB -0.72%66 EV-to-FCF is 8.99 as of Jul. 21, 2026, which is 10% below its 10-year median of 10.04. GuruFocus rates USCB with a GF Score™ of 66/100 and a GF Value™ of $20.17 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,198 Banks companies, USCB Financial Holdings ranks worse than 57.68% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, USCB Financial Holdings's Enterprise Value is $385.51 Mil.
USCB Financial Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $42.88 Mil. Therefore, USCB Financial Holdings's EV-to-FCF for today is 8.99.
The historical rank and industry rank for USCB Financial Holdings's EV-to-FCF or its related term are showing as below:
USCB'
s EV-to-FCF Range Over the Past 10 Years
Min: 6.54 Med: 10.04 Max: 17.72
Current: 8.99
During the past 6 years, the highest EV-to-FCF of USCB Financial Holdings was 17.72. The lowest was 6.54. And the median was 10.04.
USCB's EV-to-FCF is ranked worse than 57.68% of 1198
companies
in the Banks industry
Industry Median: 6.68
vs USCB: 8.99
EV-to-FCF 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-FCF 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 $20.115.
USCB Financial Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.450.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, USCB Financial Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where USCB Financial Holdings's EV-to-FCF falls into.
USCB Financial Holdings's current Enterprise Value is $385.51 Mil.
USCB Financial Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $42.88 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-FCF of 8.99 as of Jul. 21, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on USCB Financial Holdings and its competitors. This is 10% below median its historical median of 10.04. Over the past decade, USCB Financial Holdings' EV-to-FCF has ranged from 6.54 to 17.72. According to the industry distribution chart, USCB Financial Holdings ranks #691 out of 1198 companies in the Banks industry, placing it in the top 57.7%.
Is USCB Financial Holdings' EV-to-FCF too high?
USCB Financial Holdings' current EV-to-FCF of 8.99 is 10% below median its 10-year median of 10.04. Over the past 10 years, this metric has ranged from a low of 6.54 to a high of 17.72. The Banks industry median EV-to-FCF is 6.68. USCB Financial Holdings' value of 8.99 is 34.6% above this industry median. Based on the distribution chart, USCB Financial Holdings ranks #691 out of 1198 companies in the Banks industry, which is below the industry midpoint. Overall, USCB Financial Holdings has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does USCB Financial Holdings' EV-to-FCF compare to MVBF and RVRF?
According to the Banks industry distribution chart, USCB Financial Holdings ranks #691 out of 1198 companies for EV-to-FCF. This places USCB Financial Holdings in the lower half of its industry. The industry median EV-to-FCF is 6.68. USCB Financial Holdings' value of 8.99 is 34.6% above this benchmark. Historically, USCB Financial Holdings' own EV-to-FCF has ranged from 6.54 to 17.72 over the past decade. While the company's 10-year median is 10.04 vs. the industry median of 6.68, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.68, based on 1,198 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. USCB Financial Holdings's current EV-to-FCF of 8.99 is 34.6% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on USCB Financial Holdings and its competitors. For the Banks industry, the median EV-to-FCF is 6.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. USCB Financial Holdings's current EV-to-FCF is 8.99, which is 10% below median its own 10-year median of 10.04. 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 $20.17, compared to a current price of $20.12 — trading 0.3% below its estimated fair value. The current EV-to-FCF is 8.99, which is 10% below median its 10-year median of 10.04 and 34.6% above the Banks industry median of 6.68. USCB Financial Holdings' overall GF Score™ is 66/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For USCB Financial Holdings (USCB), the current EV-to-FCF is 8.99 as of Jul. 21, 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 undervalued.
The current stock price of $20.12 is trading 0.3% below its estimated GF Value™ of $20.17.
GuruFocus considers USCB Financial Holdings to be Fairly Valued.
Key valuation signals for USCB:
EV-to-FCF: 8.99 (10% below median its 10-year median of 10.04)
GF Value™: $20.17 vs. price of $20.12 (0.3% below fair value)
Industry Position: 34.6% above the Banks median (#691 of 1198)
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.
66GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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