USCB Financial Holdings (USCB Financial Holdings) Debt-to-Equity : 1.01 (As of Dec. 2023)

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What is USCB Financial Holdings Debt-to-Equity?

USCB Financial Holdings's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $0.00 Mil. USCB Financial Holdings's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $194.42 Mil. USCB Financial Holdings's Total Stockholders Equity for the quarter that ended in Dec. 2023 was $191.97 Mil. USCB Financial Holdings's debt to equity for the quarter that ended in Dec. 2023 was 1.01.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for USCB Financial Holdings's Debt-to-Equity or its related term are showing as below:

USCB' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.25 Med: 0.31 Max: 1.01
Current: 1.01

During the past 4 years, the highest Debt-to-Equity Ratio of USCB Financial Holdings was 1.01. The lowest was 0.25. And the median was 0.31.

USCB's Debt-to-Equity is ranked worse than
64.47% of 1393 companies
in the Banks industry
Industry Median: 0.67 vs USCB: 1.01

USCB Financial Holdings Debt-to-Equity Historical Data

The historical data trend for USCB Financial Holdings's Debt-to-Equity can be seen below:

* 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.

* Premium members only.

USCB Financial Holdings Debt-to-Equity Chart

USCB Financial Holdings Annual Data

Trend

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

0.30

0.25

0.33

1.01

USCB Financial Holdings Quarterly Data
	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Debt-to-Equity	Get a 7-Day Free Trial										0.33	0.73	0.54	0.62	1.01

Competitive Comparison of USCB Financial Holdings's Debt-to-Equity

For the Banks - Regional subindustry, USCB Financial Holdings's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, USCB Financial Holdings's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where USCB Financial Holdings's Debt-to-Equity falls into.

USCB Financial Holdings Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

USCB Financial Holdings's Debt to Equity Ratio for the fiscal year that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	194.423)	/	191.968
	=	1.01

USCB Financial Holdings's Debt to Equity Ratio for the quarter that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	194.423)	/	191.968
	=	1.01

USCB Financial Holdings (NAS:USCB) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

USCB Financial Holdings Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of USCB Financial Holdings's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

USCB Financial Holdings (USCB Financial Holdings) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » USCB Financial Holdings Inc (NAS:USCB) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

2301 North West 87th Avenue, Doral, FL, USA, 33172

Website

https://www.uscentury.com

USCB Financial Holdings Inc is a community bank. Through its network of branches and its online banking platform, it offers customers a wide range of financial products and services.

Executives

Robert B. Anderson	officer: Executive VP and CFO	201 4TH AVENUE NORTH, SUITE 950, NASHVILLE TN 37219
Maricarmen Logrono	officer: EVP and Chief Risk Officer	C/O USCB FINANCIAL HOLDINGS, INC., 2301 NW 87TH AVENUE, DORAL FL 33172
Ramon A Rodriguez	director	110 S E 6TH STREET 28 TH FLOOR, FORT LAUDERDALE FL 33301
Priam Capital Fund Ii, L.p.	10 percent owner	745 FIFTH AVE, SUITE 1702, NEW YORK NY 10151
Priam Capital Associates Ii Llc	10 percent owner	745 FIFTH AVE, SUITE 1702, NEW YORK NY 10151
Andres Collazo	officer: Executive VP, Operations & IT	C/O USCB FINANCIAL HOLDINGS, INC., 2301 NW 87TH AVENUE, DORAL FL 33172
Martha Guerra-kattou	officer: EVP, Sales and Marketing	C/O USCB FINANCIAL HOLDINGS, INC., 2301 NW 87TH AVENUE, DORAL FL 33172
Oscar Gomez	officer: Executive VP, Global Banking	C/O USCB FINANCIAL HOLDINGS, INC., 2301 NW 87TH AVENUE, DORAL FL 33172
Benigno Pazos	officer: EVP & Chief Credit Officer	C/O USCB FINANCIAL HOLDINGS, INC., 2301 NW 87TH AVENUE, DORAL FL 33172
Howard Feinglass	director, 10 percent owner	6011 UNIVERSITY BOULEVARD, SUITE 370, ELLICOTT CITY MD 21043
Ramon Abadin	director	C/O USCB FINANCIAL HOLDINGS, INC., 2301 NW 87TH AVENUE, DORAL FL 33172
Aida Levitan	director	C/O USCB FINANCIAL HOLDINGS, INC., 2301 NW 87TH AVENUE, DORAL FL 33172
Nicholas Bustle	officer: EVP and Chief Lending Officer	C/O USCB FINANCIAL HOLDINGS, INC., 2301 NW 87TH AVENUE, DORAL FL 33172
De La Aguilera Luis	director, officer: President and CEO	C/O USCB FINANCIAL HOLDINGS, INC., 2301 NW 87TH AVENUE, DORAL FL 33172
Jalal Shehadeh	officer: EVP/General Counsel	USCB FINANCIAL HOLDINGS, INC., 2301 N.W. 87TH AVENUE, MIAMI FL 33172