USCB Financial HoldingsUSCB +1.09%68 Return-on-Tangible-Equity is 16.99% as of Mar. 2026, which is 57% above its 10-year median of 10.84. GuruFocus rates USCB with a GF Scoreâ„¢ of 68/100 and a GF Valueâ„¢ of $19.81 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,525 Banks companies, USCB Financial Holdings ranks better than 57.97% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. USCB Financial Holdings's annualized net income for the quarter that ended in Mar. 2026 was $37.40 Mil. USCB Financial Holdings's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $220.21 Mil. Therefore, USCB Financial Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 16.99%.
The historical rank and industry rank for USCB Financial Holdings's Return-on-Tangible-Equity or its related term are showing as below:
USCB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 6.33 Med: 10.84 Max: 12.56
Current: 12.56
During the past 6 years, USCB Financial Holdings's highest Return-on-Tangible-Equity was 12.56%. The lowest was 6.33%. And the median was 10.84%.
USCB's Return-on-Tangible-Equity is ranked better than 57.97% of 1525
companies
in the Banks industry
Industry Median: 11.2
vs USCB: 12.56
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
USCB Financial Holdings Return-on-Tangible-Equity Related Terms
USCB Financial Holdings Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for USCB Financial Holdings's Return-on-Tangible-Equity 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 vs MVBF, RVRF, WSBF: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, USCB Financial Holdings's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, USCB Financial Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where USCB Financial Holdings's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 16.99% mean?
USCB Financial Holdings (USCB) has a Return-on-Tangible-Equity of 16.99% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on USCB Financial Holdings and its competitors. This is 57% above median its historical median of 10.84. Over the past decade, USCB Financial Holdings' Return-on-Tangible-Equity has ranged from 6.33 to 12.56. According to the industry distribution chart, USCB Financial Holdings ranks #641 out of 1525 companies in the Banks industry, placing it in the top 42%.
Is USCB Financial Holdings' Return-on-Tangible-Equity too high?
USCB Financial Holdings' current Return-on-Tangible-Equity of 16.99% is 57% above median its 10-year median of 10.84. Over the past 10 years, this metric has ranged from a low of 6.33 to a high of 12.56. The Banks industry median Return-on-Tangible-Equity is 11.20. USCB Financial Holdings' value of 16.99% is 51.7% above this industry median. Based on the distribution chart, USCB Financial Holdings ranks #641 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, USCB Financial Holdings has a GF Scoreâ„¢ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does USCB Financial Holdings' Return-on-Tangible-Equity compare to MVBF and RVRF?
According to the Banks industry distribution chart, USCB Financial Holdings ranks #641 out of 1525 companies for Return-on-Tangible-Equity. This puts USCB Financial Holdings in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. USCB Financial Holdings' value of 16.99% is 51.7% above this benchmark. Historically, USCB Financial Holdings' own Return-on-Tangible-Equity has ranged from 6.33 to 12.56 over the past decade. While the company's 10-year median is 10.84 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. USCB Financial Holdings's current Return-on-Tangible-Equity of 16.99% is 51.7% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on USCB Financial Holdings and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. USCB Financial Holdings's current Return-on-Tangible-Equity is 16.99%, which is 57% above median its own 10-year median of 10.84. 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 $20.40 — trading 3% above its estimated fair value. The current Return-on-Tangible-Equity is 16.99%, which is 57% above median its 10-year median of 10.84 and 51.7% above the Banks industry median of 11.20. USCB Financial Holdings' overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For USCB Financial Holdings (USCB), the current Return-on-Tangible-Equity is 16.99% 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 $20.40 is trading 3% above its estimated GF Value™ of $19.81.
GuruFocus considers USCB Financial Holdings to be Fairly Valued.
Key valuation signals for USCB:
Return-on-Tangible-Equity: 16.99% (57% above median its 10-year median of 10.84)
GF Value™: $19.81 vs. price of $20.40 (3% above fair value)
Industry Position: 51.7% above the Banks median (#641 of 1525)
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
Get the complete analysis for USCB
Return-on-Tangible-Equity 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 
