Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
USCB Financial HoldingsUSCB +0.15%66 Net Margin % is 35.69% as of Mar. 2026, which is 23% above its 10-year median of 29.12. GuruFocus rates USCB with a GF Score™ of 66/100 and a GF Value™ of $20.07 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,530 Banks companies, USCB Financial Holdings ranks better than 59.61% on this metric.
The historical rank and industry rank for USCB Financial Holdings's Net Margin % or its related term are showing as below:
USCB'
s Net Margin % Range Over the Past 10 Years
Min: 21.77 Med: 29.12 Max: 35.3
Current: 29.7
USCB's Net Margin % is ranked better than 59.61% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs USCB: 29.70
USCB Financial Holdings (NAS:USCB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
USCB Financial Holdings Net Margin % Related Terms
USCB Financial Holdings Net Margin % Historical Data
* 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, USCB Financial Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where USCB Financial Holdings's Net 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 Net Margin % of 35.69% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on USCB Financial Holdings and its competitors. This is 23% above median its historical median of 29.12. Over the past decade, USCB Financial Holdings' Net Margin % has ranged from 21.77 to 35.30. According to the industry distribution chart, USCB Financial Holdings ranks #618 out of 1530 companies in the Banks industry, placing it in the top 40.4%.
Is USCB Financial Holdings' Net Margin % too high?
USCB Financial Holdings' current Net Margin % of 35.69% is 23% above median its 10-year median of 29.12. Over the past 10 years, this metric has ranged from a low of 21.77 to a high of 35.30. The Banks industry median Net Margin % is 26.85. USCB Financial Holdings' value of 35.69% is 32.9% above this industry median. Based on the distribution chart, USCB Financial Holdings ranks #618 out of 1530 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' Net Margin % compare to MVBF and RVRF?
According to the Banks industry distribution chart, USCB Financial Holdings ranks #618 out of 1530 companies for Net Margin %. This puts USCB Financial Holdings in the upper half of its industry. The industry median Net Margin % is 26.85. USCB Financial Holdings' value of 35.69% is 32.9% above this benchmark. Historically, USCB Financial Holdings' own Net Margin % has ranged from 21.77 to 35.30 over the past decade. While the company's 10-year median is 29.12 vs. the industry median of 26.85, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. USCB Financial Holdings's current Net Margin % of 35.69% is 32.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on USCB Financial Holdings and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. USCB Financial Holdings's current Net Margin % is 35.69%, which is 23% above median its own 10-year median of 29.12. 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 $20.07, compared to a current price of $20.16 — trading 0.4% above its estimated fair value. The current Net Margin % is 35.69%, which is 23% above median its 10-year median of 29.12 and 32.9% above the Banks industry median of 26.85. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For USCB Financial Holdings (USCB), the current Net Margin % is 35.69% 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 $20.16 is trading 0.4% above its estimated GF Value™ of $20.07.
GuruFocus considers USCB Financial Holdings to be Fairly Valued.
Key valuation signals for USCB:
Net Margin %: 35.69% (23% above median its 10-year median of 29.12)
GF Value™: $20.07 vs. price of $20.16 (0.4% above fair value)
Industry Position: 32.9% above the Banks median (#618 of 1530)
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
Get the complete analysis for USCB
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
USCB has been successfully added to your 
