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USCB Financial HoldingsUSCB +0.15%66 PEG Ratio is 1.76 as of Jul. 14, 2026, which is 3% below its 10-year median of 1.82. 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 1,230 Banks companies, USCB Financial Holdings ranks worse than 55.2% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for USCB Financial Holdings's PEG Ratio or its related term are showing as below:
USCB'
s PEG Ratio Range Over the Past 10 Years
Min: 1.75 Med: 1.82 Max: 1.94
Current: 1.76
During the past 6 years, USCB Financial Holdings's highest PEG Ratio was 1.94. The lowest was 1.75. And the median was 1.82.
USCB's PEG Ratio is ranked worse than 55.2% of 1230
companies
in the Banks industry
Industry Median: 1.53
vs USCB: 1.76
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
USCB Financial Holdings (NAS:USCB) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
* 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, USCB Financial Holdings's PEG Ratio distribution charts can be found below:
* The bar in red indicates where USCB Financial Holdings's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
USCB Financial Holdings (USCB) has a PEG Ratio of 1.76 as of Jul. 14, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on USCB Financial Holdings and its competitors. This is near median its historical median of 1.82. Over the past decade, USCB Financial Holdings' PEG Ratio has ranged from 1.75 to 1.94. According to the industry distribution chart, USCB Financial Holdings ranks #679 out of 1230 companies in the Banks industry, placing it in the top 55.2%.
Is USCB Financial Holdings' PEG Ratio too high?
USCB Financial Holdings' current PEG Ratio of 1.76 is near median its 10-year median of 1.82. Over the past 10 years, this metric has ranged from a low of 1.75 to a high of 1.94. The Banks industry median PEG Ratio is 1.53. USCB Financial Holdings' value of 1.76 is 15% above this industry median. Based on the distribution chart, USCB Financial Holdings ranks #679 out of 1230 companies in the Banks industry, which is below 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' PEG Ratio compare to MVBF and RVRF?
According to the Banks industry distribution chart, USCB Financial Holdings ranks #679 out of 1230 companies for PEG Ratio. This places USCB Financial Holdings in the lower half of its industry. The industry median PEG Ratio is 1.53. USCB Financial Holdings' value of 1.76 is 15% above this benchmark. Historically, USCB Financial Holdings' own PEG Ratio has ranged from 1.75 to 1.94 over the past decade. While the company's 10-year median is 1.82 vs. the industry median of 1.53, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.53, based on 1,230 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. USCB Financial Holdings's current PEG Ratio of 1.76 is 15% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on USCB Financial Holdings and its competitors. For the Banks industry, the median PEG Ratio is 1.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. USCB Financial Holdings's current PEG Ratio is 1.76, which is near median its own 10-year median of 1.82. 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 PEG Ratio is 1.76, which is near median its 10-year median of 1.82 and 15% above the Banks industry median of 1.53. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For USCB Financial Holdings (USCB), the current PEG Ratio is 1.76 as of Jul. 14, 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:
PEG Ratio: 1.76 (near median its 10-year median of 1.82)
GF Value™: $20.07 vs. price of $20.16 (0.4% above fair value)
Industry Position: 15% above the Banks median (#679 of 1230)
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
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