Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
USCB Financial Holdings's 3-Year RORE % for the quarter that ended in Mar. 2026 was 23.65%.
The industry rank for USCB Financial Holdings's 3-Year RORE % or its related term are showing as below:
USCB's 3-Year RORE % is ranked better than 75.71% of 1470
companies
in the Banks industry
Industry Median: 9.875
vs USCB: 23.65
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
USCB Financial Holdings 3-Year RORE % Related Terms
USCB Financial Holdings 3-Year RORE % Historical Data
* 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: 3-Year RORE % Comparison
For the Banks - Regional subindustry, USCB Financial Holdings's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, USCB Financial Holdings's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where USCB Financial Holdings's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
USCB Financial Holdings (USCB) has a 3-Year RORE % of 23.65 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on USCB Financial Holdings and its competitors. According to the industry distribution chart, USCB Financial Holdings ranks #357 out of 1470 companies in the Banks industry, placing it in the top 24.3%.
Is USCB Financial Holdings' 3-Year RORE % too high?
USCB Financial Holdings' current 3-Year RORE % is 23.65. The Banks industry median 3-Year RORE % is 9.88. USCB Financial Holdings' value of 23.65 is 139.5% above this industry median. Based on the distribution chart, USCB Financial Holdings ranks #357 out of 1470 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, USCB Financial Holdings has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does USCB Financial Holdings' 3-Year RORE % compare to MVBF and RVRF?
According to the Banks industry distribution chart, USCB Financial Holdings ranks #357 out of 1470 companies for 3-Year RORE %. This places USCB Financial Holdings in the top 24% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.88. USCB Financial Holdings' value of 23.65 is 139.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.88, based on 1,470 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. USCB Financial Holdings's current 3-Year RORE % of 23.65 is 139.5% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on USCB Financial Holdings and its competitors. For the Banks industry, the median 3-Year RORE % is 9.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. USCB Financial Holdings's current 3-Year RORE % is 23.65. 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 $19.88, compared to a current price of $20.79 — trading 4.6% above its estimated fair value. The current 3-Year RORE % is 23.65 and 139.5% above the Banks industry median of 9.88. USCB Financial Holdings' overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For USCB Financial Holdings (USCB), the current 3-Year RORE % is 23.65 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 $20.79 is trading 4.6% above its estimated GF Value™ of $19.88.
GuruFocus considers USCB Financial Holdings to be Fairly Valued.
Key valuation signals for USCB:
3-Year RORE %: 23.65
GF Value™: $19.88 vs. price of $20.79 (4.6% above fair value)
Industry Position: 139.5% above the Banks median (#357 of 1470)
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.
67GF Score
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