USCB (USCB Financial Holdings) LT-Debt-to-Total-Asset: 0.03 (As of Mar. 2026)

What is USCB Financial Holdings LT-Debt-to-Total-Asset?

USCB Financial Holdings USCB +3.22% 67 LT-Debt-to-Total-Asset is 0.03 as of Mar. 2026. GuruFocus rates USCB with a GF Score™ of 67/100 and a GF Value™ of $19.81 (Fairly Valued). The stock has 4 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. USCB Financial Holdings's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.03.

USCB Financial Holdings's long-term debt to total assets ratio declined from Mar. 2025 (0.04) to Mar. 2026 (0.03). It may suggest that USCB Financial Holdings is progressively becoming less dependent on debt to grow their business.

USCB Financial Holdings (NAS:USCB) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

USCB Financial Holdings LT-Debt-to-Total-Asset Related Terms

USCB Financial Holdings LT-Debt-to-Total-Asset Historical Data

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The historical data trend for USCB Financial Holdings's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

USCB Financial Holdings Annual Data

Trend

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.03

0.08

0.07

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.04	0.04	0.02	0.07	0.03

67GF Score

USCB Financial Holdings Inc USCB

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USCB Financial Holdings LT-Debt-to-Total-Asset Calculation

USCB Financial Holdings's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	203.069	/	2791.54
	=	0.07

USCB Financial Holdings's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	97.094	/	2845.735
	=	0.03

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.03 mean?

USCB Financial Holdings (USCB) has a LT-Debt-to-Total-Asset of 0.03 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on USCB Financial Holdings and its competitors.

Is USCB Financial Holdings' LT-Debt-to-Total-Asset too high?

USCB Financial Holdings' current LT-Debt-to-Total-Asset is 0.03. 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' LT-Debt-to-Total-Asset compare to AVBH and BCML?

USCB Financial Holdings' LT-Debt-to-Total-Asset of 0.03 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on USCB Financial Holdings and its competitors. USCB Financial Holdings's current LT-Debt-to-Total-Asset is 0.03. 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 $19.81, compared to a current price of $20.33 — trading 2.6% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.03. USCB Financial Holdings' overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For USCB Financial Holdings (USCB), the current LT-Debt-to-Total-Asset is 0.03 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 $20.33 is trading 2.6% above its estimated GF Value™ of $19.81. GuruFocus considers USCB Financial Holdings to be Fairly Valued.

Key valuation signals for USCB:

LT-Debt-to-Total-Asset: 0.03
GF Value™: $19.81 vs. price of $20.33 (2.6% above fair value)
GF Score™: 67/100 with 4 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

Industry Financial Services Banks

Comparable Companies AVBH BCML NECB WSBF BFCC MVBF CHMG FNLC NWFL PCB SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 2301 NW 87th Avenue, Doral, FL, USA, 33172

Website https://www.uscentury.com

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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$20.33

Price

$19.81

GF Value

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