USCB Financial Holdings (USCB Financial Holdings) Predictability Rank

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What is USCB Financial Holdings Predictability Rank?

Not Rated

Warren Buffett said many times that the companies he likes are:

1. Simple businesses that he understands
2. that have predictable and proven earnings and
3. with economic moat
4. those can be bought at a reasonable price.

It is hard to quantify "simple businesses that he (Buffett) understands", so we will focus on the other three characteristics instead. In GuruFocus Research: What worked in the market from 1998-2008? Part I: Introduction of Predictability Rank, we will show that the businesses that have predictable and proven earnings are usually also simple businesses that an average person could understand.

GuruFocus conducted a back test study of Warren Buffett's strategy of "buying good companies at fair prices" for the years from 1998-2008.

USCB Financial Holdings Predictability Rank Calculation

In our database there are 2403 stocks that have been traded from Jan. 2, 1998 to Aug. 31, 2008. We have the complete 10-year financial data and trading prices of these companies for this period. We rank the predictability of these companies based on the consistency of their revenue per share and EBITDA (earning before interest, tax, depreciation and amortization) per share over the past ten fiscal years, and study the correlation between the stock performances and the predictability of the business.

Our study may be subject to these biases and assumptions:

Dividend yields are not counted for investment returns
Effects of price changes due to spin-offs may not be fully adjusted
Study is subjected to survivorship bias due to de-listing, bankruptcy, LBO, M&A, etc.

The correlation between business predictability and investment returns of a company is showed below.

Correlation Between Business Predictability and Investment Returns

	Predictables	Non-Predictable	All stocks
Total Number of stocks	570	1833	2403
Total Lost Money	61	830	891
Total Lost More Than 50%	18	412	430
Total Lost More Than 90%	4	86	90
Average Gain	260.6%	100.0%	138.1%
Median Gain	150.0%	13.0%	39.0%
Maximum Gain	2852.0%	11483.0%	11483.0%
Maximum Loss	-100.0%	-100.0%	-100.0%
Annualized Average Gain	12.7%	6.7%	8.4%
Annualized Median Gain	8.9%	1.1%	3.1%

For the 570 predictable companies, we have seen strong correlation between the predictability of businesses and the stock performances over the past 10 years, regardless of the valuation of business at 1998. Accordingly, we have ranked the business predictability from 5-star to 1-star, as shown in this table.

Predictability Rank	5-Star	4.5-Star	4-Star	3.5-Star	3-Star	2.5-Star	2-Star	1-Star (non-predictable)	Average among all
% Out of All 2403 Stocks	3.3%	2.9%	3.7%	3.3%	3.3%	3.7%	3.3%	76.3%	100%
% that are in Loss (10y)	3%	10%	8%	9%	11%	18%	16%	45%	37%
Average Gain (10y)	364.6%	330.9%	278.0%	235.1%	243.5%	227.8%	154.8%	100.0%	138.1%
Median Gain (10y)	238.5%	193.5%	171.0%	159.0%	132.5%	113.5%	87.0%	13.0%	39.0%
Maximum Gainer	2228.0%	2547.0%	2452.0%	2852.0%	2432.0%	1892.0%	1807.0%	11483.0%	11483.0%
Maximum Loser	-82.0%	-53.0%	-67.0%	-100.0%	-83.0%	-100.0%	-78.0%	-100.0%	-100.0%
Annualized Average Gain	15.4%	14.6%	13.2%	12.0%	12.2%	11.7%	9.1%	6.7%	8.4%
Annualized Median Gain	12.1%	10.6%	9.8%	9.3%	8.2%	7.3%	6.0%	1.1%	3.1%

For detailed information about each predictability rank, please go to GuruFocus Research: What worked in the market from 1998-2008? Part I: Introduction of Predictability Rank

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USCB Financial Holdings (USCB Financial Holdings) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » USCB Financial Holdings Inc (NAS:USCB) » Definitions » Predictability Rank

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