USCB Financial HoldingsUSCB +3.22%68 PB Ratio is 1.66 as of Jun. 26, 2026, which is 17% above its 10-year median of 1.42. GuruFocus rates USCB with a GF Score™ of 68/100 and a GF Value™ of $19.81 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,516 Banks companies, USCB Financial Holdings ranks worse than 82.78% on this metric.
The historical rank and industry rank for USCB Financial Holdings's PB Ratio or its related term are showing as below:
USCB'
s PB Ratio Range Over the Past 10 Years
Min: 0.97 Med: 1.42 Max: 1.88
Current: 1.68
During the past 6 years, USCB Financial Holdings's highest PB Ratio was 1.88. The lowest was 0.97. And the median was 1.42.
USCB's PB Ratio is ranked worse than 82.78% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs USCB: 1.68
During the past 12 months, USCB Financial Holdings's average Book Value Per Share Growth Rate was 8.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 9.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.90% per year.
During the past 6 years, the highest 3-Year average Book Value Per Share Growth Rate of USCB Financial Holdings was 9.80% per year. The lowest was 2.00% per year. And the median was 9.50% per year.
Back to Basics: PB Ratio
USCB Financial Holdings (NAS:USCB) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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 PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, USCB Financial Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where USCB Financial Holdings's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
USCB Financial Holdings (USCB) has a PB Ratio of 1.66 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on USCB Financial Holdings and its competitors. This is 17% above median its historical median of 1.42. Over the past decade, USCB Financial Holdings' PB Ratio has ranged from 0.97 to 1.88. According to the industry distribution chart, USCB Financial Holdings ranks #1255 out of 1516 companies in the Banks industry, placing it in the top 82.8%.
Is USCB Financial Holdings' PB Ratio too high?
USCB Financial Holdings' current PB Ratio of 1.66 is 17% above median its 10-year median of 1.42. Over the past 10 years, this metric has ranged from a low of 0.97 to a high of 1.88. The Banks industry median PB Ratio is 1.09. USCB Financial Holdings' value of 1.66 is 52.3% above this industry median. Based on the distribution chart, USCB Financial Holdings ranks #1255 out of 1516 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, USCB Financial Holdings has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does USCB Financial Holdings' PB Ratio compare to AVBH and BCML?
According to the Banks industry distribution chart, USCB Financial Holdings ranks #1255 out of 1516 companies for PB Ratio. This places USCB Financial Holdings in the lower half of its industry. The industry median PB Ratio is 1.09. USCB Financial Holdings' value of 1.66 is 52.3% above this benchmark. Historically, USCB Financial Holdings' own PB Ratio has ranged from 0.97 to 1.88 over the past decade. While the company's 10-year median is 1.42 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. USCB Financial Holdings's current PB Ratio of 1.66 is 52.3% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on USCB Financial Holdings and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. USCB Financial Holdings's current PB Ratio is 1.66, which is 17% above median its own 10-year median of 1.42. 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 PB Ratio is 1.66, which is 17% above median its 10-year median of 1.42 and 52.3% above the Banks industry median of 1.09. USCB Financial Holdings' overall GF Score™ is 68/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For USCB Financial Holdings (USCB), the current PB Ratio is 1.66 as of Jun. 26, 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:
PB Ratio: 1.66 (17% above median its 10-year median of 1.42)
GF Value™: $19.81 vs. price of $20.33 (2.6% above fair value)
Industry Position: 52.3% above the Banks median (#1255 of 1516)
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.
68GF Score
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