Is USCB FINANCIAL HOLDINGS, INC. (USCB) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
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
| |
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?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), USCB FINANCIAL HOLDINGS, INC. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is USCB FINANCIAL HOLDINGS, INC.'s debt ratio?
USCB FINANCIAL HOLDINGS, INC.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are USCB FINANCIAL HOLDINGS, INC.'s key financial metrics?
USCB FINANCIAL HOLDINGS, INC. has a market capitalization of $335M, 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?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
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.