USCB (USCB Financial Holdings) Long-Term Debt: $92.34 Mil (As of Mar. 2026)


USCB USCB Financial Holdings Inc USCB
67 GF Score
Price $20.45
GF Value $19.90
Valuation Fairly Valued
! 5 Warning Signs
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What is USCB Financial Holdings Long-Term Debt?

USCB Financial Holdings USCB -1.45% 67 Long-Term Debt is $92.34 Mil as of Mar. 2026. GuruFocus rates USCB with a GF Score™ of 67/100 and a GF Value™ of $19.90 (Fairly Valued). The stock has 5 warning signs investors should review.

USCB Financial Holdings's Long-Term Debt for the quarter that ended in Mar. 2026 was $92.34 Mil.

USCB Financial Holdings's quarterly Long-Term Debt increased from Sep. 2025 ($50.26 Mil) to Dec. 2025 ($197.55 Mil) but then declined from Dec. 2025 ($197.55 Mil) to Mar. 2026 ($92.34 Mil).

USCB Financial Holdings's annual Long-Term Debt declined from Dec. 2023 ($178.00 Mil) to Dec. 2024 ($163.00 Mil) but then increased from Dec. 2024 ($163.00 Mil) to Dec. 2025 ($197.55 Mil).

USCB Financial Holdings  (NAS:USCB) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

USCB Financial Holdings Long-Term Debt Related Terms

USCB Financial Holdings Long-Term Debt Historical Data

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The historical data trend for USCB Financial Holdings's Long-Term Debt can be seen below:

* 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 Long-Term Debt Chart

USCB Financial Holdings Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial 36.00 46.00 178.00 163.00 197.55

USCB Financial Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 108.00 102.00 50.26 197.55 92.34
USCB
67GF Score
USCB Financial Holdings Inc USCB
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $92.34 Mil mean?
USCB Financial Holdings (USCB) has a Long-Term Debt of $92.34 Mil as of Mar. 2026.
Is USCB Financial Holdings' Long-Term Debt too high?
USCB Financial Holdings' current Long-Term Debt is $92.34 Mil. Overall, USCB Financial Holdings has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does USCB Financial Holdings' Long-Term Debt compare to MVBF and RVRF?
USCB Financial Holdings' Long-Term Debt of $92.34 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. USCB Financial Holdings's current Long-Term Debt is $92.34 Mil. 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 $19.90, compared to a current price of $20.45 — trading 2.8% above its estimated fair value. The current Long-Term Debt is $92.34 Mil. USCB Financial Holdings' overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For USCB Financial Holdings (USCB), the current Long-Term Debt is $92.34 Mil 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 overvalued. The current stock price of $20.45 is trading 2.8% above its estimated GF Value™ of $19.90. GuruFocus considers USCB Financial Holdings to be Fairly Valued.

Key valuation signals for USCB:

  • Long-Term Debt: $92.34 Mil
  • GF Value™: $19.90 vs. price of $20.45 (2.8% above fair value)
  • GF Score™: 67/100 with 5 warning signs

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 Business Description

Address 2301 NW 87th Avenue, Doral, FL, USA, 33172
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.
67GF Score

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.45
Price
$19.90
GF Value