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USCB Financial Holdings has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
USCB Financial Holdings Inc displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.GuruFocus does not calculate USCB Financial Holdings's interest coverage with the available data. USCB Financial Holdings's debt to revenue ratio for the quarter that ended in Dec. 2023 was 3.10. Altman Z-Score does not apply to banks and insurance companies.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
USCB Financial Holdings's Interest Expense for the months ended in Dec. 2023 was $-13.60 Mil. Its Operating Income for the months ended in Dec. 2023 was $0.00 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $194.42 Mil.
USCB Financial Holdings's Interest Coverage for the quarter that ended in Dec. 2023 is
The higher the ratio, the stronger the company's financial strength is.
2. Debt to revenue ratio. The lower, the better.
USCB Financial Holdings's Debt to Revenue Ratio for the quarter that ended in Dec. 2023 is
Debt to Revenue Ratio | = | Total Debt (Q: Dec. 2023 ) | / | Revenue | ||
= | (Short-Term Debt & Capital Lease Obligation | + | Long-Term Debt & Capital Lease Obligation) | / | Revenue | |
= | (0 | + | 194.423) | / | 62.808 | |
= | 3.10 |
3. Altman Z-Score.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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.
USCB Financial Holdings (NAS:USCB) Financial Strength Explanation
The maximum rank is 10. Companies with rank 7 or higher will be unlikely to fall into distressed situations. Companies with rank of 3 or less are likely in financial distress.
USCB Financial Holdings has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Thank you for viewing the detailed overview of USCB Financial Holdings's Financial Strength provided by GuruFocus.com. Please click on the following links to see related term pages.
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 |
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