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 66 Dividend Payout Ratio is 0.25 as of Mar. 2026, which is 9% above its 10-year median of 0.23. 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 1,175 Banks companies, USCB Financial Holdings ranks better than 57.7% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. USCB Financial Holdings's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.25.
The historical rank and industry rank for USCB Financial Holdings's Dividend Payout Ratio or its related term are showing as below:
USCB'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.16 Med: 0.23 Max: 0.3
Current: 0.29
During the past 6 years, the highest Dividend Payout Ratio of USCB Financial Holdings was 0.30. The lowest was 0.16. And the median was 0.23.
USCB's Dividend Payout Ratio is ranked better than 57.7% of 1175
companies
in the Banks industry
Industry Median: 0.32
vs USCB: 0.29
During the past 6 years, the highest Trailing Annual Dividend Yield of USCB Financial Holdings was 2.37%. The lowest was 0.39%. And the median was 1.51%.
During the past 12 months, USCB Financial Holdings's average Dividends Per Share Growth Rate was 70.00% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
USCB Financial Holdings (NAS:USCB) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
USCB Financial Holdings Dividend Payout Ratio Related Terms
USCB Financial Holdings Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for USCB Financial Holdings's Dividend Payout Ratio 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 Dividend Payout Ratio Chart
USCB vs MVBF, RVRF, WSBF: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, USCB Financial Holdings's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, USCB Financial Holdings's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where USCB Financial Holdings's Dividend Payout Ratio falls into.
USCB Financial Holdings Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
USCB Financial Holdings's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 0.25 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on USCB Financial Holdings and its competitors. This is near median its historical median of 0.23. Over the past decade, USCB Financial Holdings' Dividend Payout Ratio has ranged from 0.16 to 0.30. According to the industry distribution chart, USCB Financial Holdings ranks #497 out of 1175 companies in the Banks industry, placing it in the top 42.3%.
Is USCB Financial Holdings' Dividend Payout Ratio too high?
USCB Financial Holdings' current Dividend Payout Ratio of 0.25 is near median its 10-year median of 0.23. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 0.30. The Banks industry median Dividend Payout Ratio is 0.32. USCB Financial Holdings' value of 0.25 is 21.9% below this industry median. Based on the distribution chart, USCB Financial Holdings ranks #497 out of 1175 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' Dividend Payout Ratio compare to MVBF and RVRF?
According to the Banks industry distribution chart, USCB Financial Holdings ranks #497 out of 1175 companies for Dividend Payout Ratio. This puts USCB Financial Holdings in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. USCB Financial Holdings' value of 0.25 is 21.9% below this benchmark. Historically, USCB Financial Holdings' own Dividend Payout Ratio has ranged from 0.16 to 0.30 over the past decade. While the company's 10-year median is 0.23 vs. the industry median of 0.32, USCB Financial Holdings has consistently been below 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,175 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. USCB Financial Holdings's current Dividend Payout Ratio of 0.25 is 21.9% below 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on USCB Financial Holdings and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. USCB Financial Holdings's current Dividend Payout Ratio is 0.25, which is near median its own 10-year median of 0.23. 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 Dividend Payout Ratio is 0.25, which is near median its 10-year median of 0.23 and 21.9% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For USCB Financial Holdings (USCB), the current Dividend Payout Ratio is 0.25 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:
Dividend Payout Ratio: 0.25 (near median its 10-year median of 0.23)
GF Value™: $20.07 vs. price of $20.16 (0.4% above fair value)
Industry Position: 21.9% below the Banks median (#497 of 1175)
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
Dividend Payout Ratio 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 
