USCB (USCB Financial Holdings) Scaled Net Operating Assets: -0.01 (As of Mar. 2026)


USCB USCB Financial Holdings Inc USCB
68 GF Score
Price $20.53
GF Value $19.81
Valuation Fairly Valued
! 3 Warning Signs
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What is USCB Financial Holdings Scaled Net Operating Assets?

USCB Financial Holdings USCB +3.22% 68 Scaled Net Operating Assets is -0.01 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

USCB Financial Holdings's operating assets for the quarter that ended in Mar. 2026 was $2,500.28 Mil. USCB Financial Holdings's operating liabilities for the quarter that ended in Mar. 2026 was $2,525.40 Mil. USCB Financial Holdings's Total Assets for the quarter that ended in Dec. 2025 was $2,791.54 Mil. Therefore, USCB Financial Holdings's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.01.

USCB
68GF Score
USCB Financial Holdings Inc USCB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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USCB Financial Holdings Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

USCB Financial Holdings's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(2753.063-2371.288)/2581.216
=0.15

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2791.54 - 38.477
=2753.063

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2574.357 - 203.069 - 0
=2371.288

USCB Financial Holdings's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(2500.283-2525.395)/2791.54
=-0.01

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2845.735 - 345.452
=2500.283

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2622.489 - 97.094 - 0
=2525.395

* 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.

What does a Scaled Net Operating Assets of -0.01 mean?
USCB Financial Holdings (USCB) has a Scaled Net Operating Assets of -0.01 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on USCB Financial Holdings and its competitors.
Is USCB Financial Holdings' Scaled Net Operating Assets too high?
USCB Financial Holdings' current Scaled Net Operating Assets is -0.01. 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' Scaled Net Operating Assets compare to AVBH and BCML?
USCB Financial Holdings' Scaled Net Operating Assets of -0.01 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on USCB Financial Holdings and its competitors. USCB Financial Holdings's current Scaled Net Operating Assets is -0.01. 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 $20.53 — trading 3.6% above its estimated fair value. The current Scaled Net Operating Assets is -0.01. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For USCB Financial Holdings (USCB), the current Scaled Net Operating Assets is -0.01 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 $20.53 is trading 3.6% above its estimated GF Value™ of $19.81. GuruFocus considers USCB Financial Holdings to be Fairly Valued.

Key valuation signals for USCB:

  • Scaled Net Operating Assets: -0.01
  • GF Value™: $19.81 vs. price of $20.53 (3.6% 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

Get the complete analysis for USCB

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.53
Price
$19.81
GF Value