USCB FINANCIAL HOLDINGS, INC. (USCB) Financial Ratio Screen
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MSCI new-inclusion financial-ratio snapshot
USCB financial screening at a glance
Calculation date: 2026-08-31. Financial period used: December 2025. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.
Independent method comparison
What the available screens say
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Business activity evidence
Business exclusion flag
The supplied classification (Banks - Regional) matches a prohibited-activity category.
Revenue segments: Not yet checked against an SEC annual filing.
Profile description reviewed: USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various personal and business banking products and services in the United States. The company offers small business administration and yacht lending services; homeowners association services, including deposit collection, lockbox services, payment services, and lending products; jurist advantage and private client group services; correspondent banking services for banks in certain Latin America and the Caribbean countries. It also provides deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, and certificates of deposit; treasury, commercial payment, and cash management services; insured cash sweep and certificate of deposit account registry services; and clients title insurance policies for real estate transactions. The company was founded in 2002 and is headquartered in Doral, Florida.
Sources to verify: Secondary company profile and classification · Issuer website · SEC issuer filings
A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.
Published-ratio reproductions (not certifications)
The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style leverage reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| MSCI | Excluded — Banks - Regional | BUSINESS EXCLUSION FLAG* | |||
| FTSE | Excluded — Banks - Regional | BUSINESS EXCLUSION FLAG* | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 21.2% | |
| Net Margin | 29.7% | |
| Return on Equity (ROE) | 12.1% | |
| Return on Assets (ROA) | 1.0% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $43M |
| Free Cash Flow | $43M |
| Total Debt | $203M |
| Total Assets | $2.8B |
Price & Trading
| Last Close | $18.32 |
| 50-Day MA | $19.08 |
| 200-Day MA | $17.89 |
| Avg Volume | 47K |
| Beta | 0.6 |
|
52-Week Range
$15.39
| |
Financial data provenance and verification
The displayed fields were imported from yfinance on 2026-03-29 for the financial period December 2025. This is a secondary data feed and can differ from amended or newly filed statements.
- Issuer website — use its investor-relations filings to verify the figures.
- SEC EDGAR filing search — primary filing source for US issuers.
- Field mapping, formulas and limitations.
Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.
About USCB FINANCIAL HOLDINGS, INC. (USCB)
USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various personal and business banking products and services in the United States. The company offers small business administration and yacht lending services; homeowners association services, including deposit collection, lockbox services, payment services, and lending products; jurist advantage and private client group services; correspondent banking services for banks in certain Latin America and the Caribbean countries. It also provides deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, and certificates of deposit; treasury, commercial payment, and cash management services; insured cash sweep and certificate of deposit account registry services; and clients title insurance policies for real estate transactions. The company was founded in 2002 and is headquartered in Doral, Florida.
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Frequently Asked Questions
Is USCB FINANCIAL HOLDINGS, INC. (USCB) halal to invest in?
The current automated result is Financial criteria not met or an activity exclusion was detected. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.
What is USCB FINANCIAL HOLDINGS, INC.'s debt ratio?
USCB FINANCIAL HOLDINGS, INC.'s debt ratio is not available in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.
What are USCB FINANCIAL HOLDINGS, INC.'s key financial metrics?
USCB FINANCIAL HOLDINGS, INC. has a market capitalization of USD 335M in its listing currency, trailing P/E ratio of 13.7, and revenue of $90M. Return on equity stands at 12.1%.
How often is the screening data updated?
Calculation date: 2026-08-31. Financial period: December 2025. These dates are shown separately because regenerating this page does not refresh the underlying data.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.