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USCB Financial HoldingsUSCB -0.50%66 FCF Margin % is 57.09% as of Mar. 2026, which is 47% above its 10-year median of 38.82. GuruFocus rates USCB with a GF Score™ of 66/100 and a GF Value™ of $20.08 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,504 Banks companies, USCB Financial Holdings ranks better than 72.74% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, USCB Financial Holdings's FCF Margin % distribution charts can be found below:
* The bar in red indicates where USCB Financial Holdings's FCF Margin % falls into.
* 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 FCF Margin % of 57.09% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on USCB Financial Holdings and its competitors. This is 47% above median its historical median of 38.82. Over the past decade, USCB Financial Holdings' FCF Margin % has ranged from 25.67 to 47.11. According to the industry distribution chart, USCB Financial Holdings ranks #410 out of 1504 companies in the Banks industry, placing it in the top 27.3%.
Is USCB Financial Holdings' FCF Margin % too high?
USCB Financial Holdings' current FCF Margin % of 57.09% is 47% above median its 10-year median of 38.82. Over the past 10 years, this metric has ranged from a low of 25.67 to a high of 47.11. The Banks industry median FCF Margin % is 26.56. USCB Financial Holdings' value of 57.09% is 114.9% above this industry median. Based on the distribution chart, USCB Financial Holdings ranks #410 out of 1504 companies in the Banks industry, which is above 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' FCF Margin % compare to MVBF and RVRF?
According to the Banks industry distribution chart, USCB Financial Holdings ranks #410 out of 1504 companies for FCF Margin %. This puts USCB Financial Holdings in the upper half of its industry. The industry median FCF Margin % is 26.56. USCB Financial Holdings' value of 57.09% is 114.9% above this benchmark. Historically, USCB Financial Holdings' own FCF Margin % has ranged from 25.67 to 47.11 over the past decade. While the company's 10-year median is 38.82 vs. the industry median of 26.56, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.56, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. USCB Financial Holdings's current FCF Margin % of 57.09% is 114.9% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on USCB Financial Holdings and its competitors. For the Banks industry, the median FCF Margin % is 26.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. USCB Financial Holdings's current FCF Margin % is 57.09%, which is 47% above median its own 10-year median of 38.82. 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 $20.08, compared to a current price of $20.06 — trading 0.1% below its estimated fair value. The current FCF Margin % is 57.09%, which is 47% above median its 10-year median of 38.82 and 114.9% above the Banks industry median of 26.56. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For USCB Financial Holdings (USCB), the current FCF Margin % is 57.09% as of Mar. 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 $20.06 is trading 0.1% below its estimated GF Value™ of $20.08.
GuruFocus considers USCB Financial Holdings to be Fairly Valued.
Key valuation signals for USCB:
FCF Margin %: 57.09% (47% above median its 10-year median of 38.82)
GF Value™: $20.08 vs. price of $20.06 (0.1% below fair value)
Industry Position: 114.9% above the Banks median (#410 of 1504)
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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