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USCB Financial Holdings has the GF Score of 65, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes USCB Financial Holdings
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
USCB Financial Holdings GF Score Related Terms
USCB vs FNLC, PCB, AVBC: GF Score Comparison
For the Banks - Regional subindustry, USCB Financial Holdings's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, USCB Financial Holdings's GF Score distribution charts can be found below:
* The bar in red indicates where USCB Financial Holdings's GF Score falls into.
USCB Financial Holdings (USCB) has a GF Score of 65 as of Aug. 01, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on USCB Financial Holdings and its competitors. This is 225% above median its historical median of 20.00. Over the past decade, USCB Financial Holdings' GF Score has ranged from 15.00 to 69.00.
Is USCB Financial Holdings' GF Score too high?
USCB Financial Holdings' current GF Score of 65 is 225% above median its 10-year median of 20.00. Over the past 10 years, this metric has ranged from a low of 15.00 to a high of 69.00. Overall, USCB Financial Holdings has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does USCB Financial Holdings' GF Score compare to FNLC and PCB?
USCB Financial Holdings' GF Score of 65 can be compared against companies in the Banks industry. Historically, USCB Financial Holdings' own GF Score has ranged from 15.00 to 69.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on USCB Financial Holdings and its competitors. USCB Financial Holdings's current GF Score is 65, which is 225% above median its own 10-year median of 20.00. 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 $20.46, compared to a current price of $21.95 — trading 7.3% above its estimated fair value. The current GF Score is 65, which is 225% above median its 10-year median of 20.00. USCB Financial Holdings' overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For USCB Financial Holdings (USCB), the current GF Score is 65 as of Aug. 01, 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 $21.95 is trading 7.3% above its estimated GF Value™ of $20.46.
GuruFocus considers USCB Financial Holdings to be Fairly Valued.
Key valuation signals for USCB:
GF Score: 65 (225% above median its 10-year median of 20.00)
GF Value™: $20.46 vs. price of $21.95 (7.3% above fair value)
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.
65GF Score
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