USCB (USCB Financial Holdings) ROC %: % (As of Mar. 2026)


USCB USCB Financial Holdings Inc USCB
68 GF Score
Price $20.02
GF Value $19.81
Valuation Fairly Valued
! 3 Warning Signs
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What is USCB Financial Holdings ROC %?

USCB Financial Holdings USCB +0.65% 68 ROC % is % as of Mar. 2026. 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.

ROC %does not apply to banks.

USCB
68GF Score
USCB Financial Holdings Inc USCB
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
USCB Financial Holdings (USCB) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on USCB Financial Holdings and its competitors.
Is USCB Financial Holdings' ROC % too high?
USCB Financial Holdings' current ROC % is %. 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' ROC % compare to AVBH and BCML?
USCB Financial Holdings' ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on USCB Financial Holdings and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. USCB Financial Holdings's current ROC % is %. 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 $20.02 — trading 1.1% above its estimated fair value. The current ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For USCB Financial Holdings (USCB), the current ROC % is % 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 $20.02 is trading 1.1% above its estimated GF Value™ of $19.81. GuruFocus considers USCB Financial Holdings to be Fairly Valued.

Key valuation signals for USCB:

  • ROC %: %
  • GF Value™: $19.81 vs. price of $20.02 (1.1% above fair value)
  • GF Score™: 68/100 with 3 warning signs

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 Business Description

Address 2301 NW 87th Avenue, Doral, FL, USA, 33172
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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ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.02
Price
$19.81
GF Value