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USCB Financial HoldingsUSCB +0.15%66 5-Year Yield-on-Cost % is 2.24 as of Jul. 14, 2026, which is 48% above its 10-year median of 1.51. 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 1,258 Banks companies, USCB Financial Holdings ranks worse than 78.62% on this metric.
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
USCB Financial Holdings 5-Year Yield-on-Cost % Related Terms
USCB vs MVBF, RVRF, WSBF: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, USCB Financial Holdings's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, USCB Financial Holdings's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where USCB Financial Holdings's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
USCB Financial Holdings (USCB) has a 5-Year Yield-on-Cost % of 2.24 as of Jul. 14, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on USCB Financial Holdings and its competitors. This is 48% above median its historical median of 1.51. Over the past decade, USCB Financial Holdings' 5-Year Yield-on-Cost % has ranged from 0.39 to 2.37. According to the industry distribution chart, USCB Financial Holdings ranks #989 out of 1258 companies in the Banks industry, placing it in the top 78.6%.
Is USCB Financial Holdings' 5-Year Yield-on-Cost % too high?
USCB Financial Holdings' current 5-Year Yield-on-Cost % of 2.24 is 48% above median its 10-year median of 1.51. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 2.37. The Banks industry median 5-Year Yield-on-Cost % is 3.89. USCB Financial Holdings' value of 2.24 is 42.4% below this industry median. Based on the distribution chart, USCB Financial Holdings ranks #989 out of 1258 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' 5-Year Yield-on-Cost % compare to MVBF and RVRF?
According to the Banks industry distribution chart, USCB Financial Holdings ranks #989 out of 1258 companies for 5-Year Yield-on-Cost %. This places USCB Financial Holdings in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. USCB Financial Holdings' value of 2.24 is 42.4% below this benchmark. Historically, USCB Financial Holdings' own 5-Year Yield-on-Cost % has ranged from 0.39 to 2.37 over the past decade. While the company's 10-year median is 1.51 vs. the industry median of 3.89, USCB Financial Holdings has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,258 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. USCB Financial Holdings's current 5-Year Yield-on-Cost % of 2.24 is 42.4% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on USCB Financial Holdings and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. USCB Financial Holdings's current 5-Year Yield-on-Cost % is 2.24, which is 48% above median its own 10-year median of 1.51. 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 5-Year Yield-on-Cost % is 2.24, which is 48% above median its 10-year median of 1.51 and 42.4% below the Banks industry median of 3.89. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For USCB Financial Holdings (USCB), the current 5-Year Yield-on-Cost % is 2.24 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:
5-Year Yield-on-Cost %: 2.24 (48% above median its 10-year median of 1.51)
GF Value™: $20.07 vs. price of $20.16 (0.4% above fair value)
Industry Position: 42.4% below the Banks median (#989 of 1258)
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
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