$18.62

+0.08 (+0.43%)

Weekly Expected Move ±3.2%

$17 $17 $18 $19 $19

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 52 · $340.1M mcap · 9M float · 0.626% daily turnover · Short 67% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

50.8 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 12.6% · 5Y Avg: 9.7%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. USCB shows a Weak competitive edge (50.8/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Intangible Assets. ROIC of 12.6% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$24

Low

$24

Avg Target

$24

High

Based on 1 analyst since Apr 23, 2026 earnings

Analyst Recommendations

Strong Buy: 1Buy: 2Hold: 0Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$24.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-28	Piper Sandler	Stephen Scouten	Initiated	$24	—	+26.4%	$18.99

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. USCB receives an overall rating of B+. Strongest factors: DCF (5/5), ROE (4/5). Areas of concern: D/E (2/5), P/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-04-30	A-	B+
2026-04-27	B+	A-
2026-04-24	A-	B+
2026-04-01	B+	A-
2026-02-06	B	B+
2026-02-02	B+	B
2026-01-23	C+	B+
2026-01-03	C	C+
2025-12-30	C+	C

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 52 Grade A+

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. USCB scores highest in Earnings Quality (99/100) and lowest in Safety (15/100). An overall grade of A+ places USCB among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

1.15

Distress Zone

Piotroski F-Score

6/9

✓ ✓ ✗ ✓ ✓ ✗ ✓ ✓ ✗

Beneish M-Score

-4.11

Unlikely Manipulator

Ohlson O-Score

-1.12

Bankruptcy prob: 24.7%

Moderate

Credit Rating

BBB-

Score: 53.0/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.56x

Accruals: -0.6%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. USCB scores 1.15, placing it in the Distress Zone (safe > 3.0, distress < 1.5). Historically, companies in this range face elevated bankruptcy risk. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. USCB scores 6/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. USCB's score of -4.11 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. USCB's implied 24.7% bankruptcy probability is elevated and warrants attention to the balance sheet. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. USCB receives an estimated rating of BBB- (score: 53.0/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). USCB's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

12.27x

PEG

2.86x

P/S

2.42x

P/B

1.53x

P/FCF

7.98x

P/OCF

7.87x

EV/EBITDA

9.27x

EV/Revenue

2.49x

EV/EBIT

9.35x

EV/FCF

8.18x

Earnings Yield

8.12%

FCF Yield

12.53%

Shareholder Yield

12.71%

Graham Number

$19.75

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 12.3x earnings, USCB trades at a reasonable valuation. An earnings yield of 8.1% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $19.75 per share, suggesting a potential 6% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.741

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.267

EBIT / Rev

Asset Turnover

0.052

Rev / Assets

Equity Multiplier

12.579

Assets / Equity

ROE

13.0%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. USCB's ROE of 13.0% is driven by financial leverage (equity multiplier: 12.58x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

12.49%

Fair P/E

33.49x

Intrinsic Value

$50.43

Price/Value

0.37x

Margin of Safety

63.24%

Premium

-63.24%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with USCB's realized 12.5% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $50.43, USCB appears undervalued with a 63% margin of safety. The adjusted fair P/E of 33.5x compares to the current market P/E of 12.3x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1214 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$18.62

Median 1Y

$19.62

5th Pctile

$10.90

95th Pctile

$35.33

Ann. Volatility

36.9%

Analyst Target

$24.00

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Luis de la Aguilera President and Chief Executive Officer	$700,000	$481,763	$1,644,771
Robert Anderson Financial Vice President and Chief Financial Officer	$374,850	$165,114	$801,845
Nicholas Bustle Lending ve Vice President and Chief Lending Officer	$355,446	$130,465	$642,992

CEO Pay Ratio

21:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,644,771

Avg Employee Cost (SGA/emp): $78,748

Employees: 500

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

500

+151.3% YoY

Revenue / Employee

$304,158

Rev: $152,079,000

Profit / Employee

$52,200

NI: $26,100,000

SGA / Employee

$78,748

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	3.9%	6.0%	8.4%	11.0%	11.4%	10.4%	10.9%	10.4%	9.5%	8.8%	8.2%	9.3%	10.9%	12.1%	13.6%	14.6%	15.5%	12.2%	13.0%	12.99%
ROA	0.4%	0.7%	0.9%	1.2%	1.3%	1.0%	1.1%	1.0%	0.9%	0.7%	0.7%	0.8%	0.9%	1.0%	1.1%	1.2%	1.3%	1.0%	1.0%	1.03%
ROIC	3.8%	5.9%	8.2%	10.8%	10.3%	10.7%	11.2%	10.6%	9.7%	14.3%	13.2%	15.0%	17.7%	26.6%	29.9%	32.0%	34.2%	11.8%	12.6%	12.59%
ROCE	3.9%	6.3%	9.0%	11.7%	11.3%	11.2%	11.6%	10.9%	9.9%	5.7%	5.3%	6.0%	7.0%	8.8%	9.9%	10.5%	11.3%	12.2%	12.7%	12.70%
Gross Margin	94.0%	94.6%	94.4%	90.5%	87.1%	77.5%	73.1%	61.2%	54.4%	48.6%	51.6%	55.1%	55.7%	58.1%	58.8%	59.1%	60.0%	53.9%	96.9%	96.94%
Operating Margin	53.7%	41.9%	39.2%	38.3%	37.1%	28.6%	31.5%	21.2%	17.8%	12.0%	18.1%	22.8%	24.8%	24.1%	26.8%	27.2%	28.5%	9.8%	44.6%	44.61%
Net Margin	40.8%	32.0%	28.3%	28.9%	27.4%	21.7%	23.8%	16.1%	13.4%	9.3%	13.8%	17.3%	18.8%	18.3%	20.3%	20.6%	21.6%	4.1%	35.7%	35.69%
EBITDA Margin	55.0%	42.9%	40.3%	39.2%	37.9%	29.3%	32.1%	21.7%	18.3%	12.5%	18.5%	23.2%	25.2%	24.5%	27.2%	27.6%	28.9%	9.8%	44.6%	44.61%
FCF Margin	60.2%	23.1%	26.0%	40.1%	40.2%	37.9%	38.8%	31.8%	26.0%	20.6%	18.2%	22.4%	23.1%	23.8%	27.5%	26.7%	31.6%	27.9%	30.5%	30.50%
OCF Margin	60.7%	24.2%	27.1%	40.9%	40.8%	38.8%	39.4%	32.4%	26.6%	20.8%	18.4%	22.6%	23.4%	24.0%	27.7%	26.9%	31.8%	28.1%	30.9%	30.91%
ROE 3Y Avg	snapshot only																			11.32%
ROE 5Y Avg	snapshot only																			10.78%
ROA 3Y Avg	snapshot only																			0.91%
ROIC 3Y Avg	snapshot only																			8.34%
ROIC Economic	snapshot only																			9.25%
Cash ROA	snapshot only																			1.55%
Cash ROIC	snapshot only																			19.68%
CROIC	snapshot only																			19.42%
NOPAT Margin	snapshot only																			19.77%
Pretax Margin	snapshot only																			26.68%
R&D / Revenue	snapshot only																			0.00%
SGA / Revenue	snapshot only																			32.33%
SBC / Revenue	snapshot only																			2.27%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	29.16	20.98	16.24	10.02	11.92	11.71	9.01	9.65	10.88	13.96	14.16	14.16	14.39	14.19	13.37	11.19	10.83	12.95	12.31	12.267
P/S Ratio	11.90	7.59	5.45	3.24	3.47	3.10	2.28	2.11	1.99	2.13	1.85	1.94	2.18	2.43	2.50	2.18	2.19	2.22	2.43	2.416
P/B Ratio	1.12	1.26	1.36	1.10	1.25	1.29	1.04	1.06	1.09	1.20	1.13	1.28	1.54	1.63	1.72	1.54	1.59	1.59	1.61	1.527
P/FCF	19.77	32.90	20.95	8.09	8.63	8.17	5.87	6.64	7.68	10.32	10.15	8.63	9.40	10.22	9.08	8.17	6.92	7.95	7.98	7.980
P/OCF	19.62	31.32	20.12	7.92	8.49	7.99	5.77	6.52	7.50	10.24	10.04	8.55	9.32	10.13	9.02	8.13	6.89	7.90	7.87	7.874
EV/EBITDA	21.95	15.83	12.05	7.47	8.80	8.72	6.84	7.32	8.28	6.92	6.82	7.27	7.97	6.88	6.67	5.27	5.19	9.52	9.27	9.271
EV/Revenue	12.07	7.71	5.53	3.30	3.52	3.18	2.35	2.18	2.06	1.43	1.20	1.34	1.62	1.58	1.67	1.38	1.41	2.28	2.49	2.494
EV/EBIT	22.46	16.22	12.36	7.66	9.02	8.94	6.99	7.50	8.49	7.11	7.01	7.45	8.14	7.00	6.78	5.35	5.27	9.64	9.35	9.347
EV/FCF	20.06	33.40	21.25	8.23	8.77	8.39	6.06	6.86	7.92	6.92	6.60	5.96	6.98	6.64	6.07	5.15	4.44	8.15	8.18	8.176
Earnings Yield	3.4%	4.8%	6.2%	10.0%	8.4%	8.5%	11.1%	10.4%	9.2%	7.2%	7.1%	7.1%	7.0%	7.0%	7.5%	8.9%	9.2%	7.7%	8.1%	8.12%
FCF Yield	5.1%	3.0%	4.8%	12.4%	11.6%	12.2%	17.0%	15.1%	13.0%	9.7%	9.9%	11.6%	10.6%	9.8%	11.0%	12.2%	14.4%	12.6%	12.5%	12.53%
PEG Ratio	snapshot only																			2.862
Price/Tangible Book	snapshot only																			1.611
EV/OCF	snapshot only																			8.067
EV/Gross Profit	snapshot only																			3.825
Acquirers Multiple	snapshot only																			9.347
Shareholder Yield	snapshot only																			12.71%
Graham Number	snapshot only																			$19.75

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.04	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.14	0.14	0.14	0.14	0.14	0.14	0.14	0.14	0.03	0.03	0.033
Quick Ratio	0.04	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.14	0.14	0.14	0.14	0.14	0.14	0.14	0.14	0.03	0.03	0.033
Debt/Equity	0.30	0.25	0.25	0.25	0.25	0.33	0.33	0.33	0.33	1.01	1.01	1.01	1.01	0.80	0.80	0.80	0.80	0.43	0.43	0.427
Net Debt/Equity	0.02	0.02	0.02	0.02	0.02	0.03	0.03	0.03	0.03	-0.40	-0.40	-0.40	-0.40	-0.57	-0.57	-0.57	-0.57	0.04	0.04	0.040
Debt/Assets	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.08	0.08	0.08	0.08	0.07	0.07	0.07	0.07	0.03	0.03	0.032
Debt/EBITDA	5.69	3.05	2.15	1.64	1.71	2.17	2.10	2.22	2.44	8.69	9.38	8.32	7.08	5.19	4.62	4.32	4.05	2.50	2.40	2.400
Net Debt/EBITDA	0.31	0.24	0.17	0.13	0.13	0.22	0.22	0.23	0.25	-3.39	-3.67	-3.25	-2.77	-3.71	-3.31	-3.09	-2.90	0.23	0.22	0.222
Interest Coverage	9.01	8.38	7.91	7.60	6.14	3.64	2.18	1.21	0.74	0.51	0.39	0.40	0.45	0.53	0.60	0.65	0.68	0.58	0.61	0.605
Equity Multiplier	8.78	9.09	9.09	9.09	9.09	11.43	11.43	11.43	11.43	12.18	12.18	12.18	12.18	11.98	11.98	11.98	11.98	13.18	13.18	13.182
Cash Ratio	snapshot only																			0.033
Debt Service Coverage	snapshot only																			0.610
Cash to Debt	snapshot only																			0.907
FCF to Debt	snapshot only																			0.472
Defensive Interval	snapshot only																			555.0 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.01	0.02	0.03	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.05	0.052
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	2.91	5.66	8.53	11.59	12.74	11.27	12.35	13.51	14.73	11.89	12.87	13.93	14.86	13.31	13.71	14.05	14.46	27.79	25.69	25.689
Payables Turnover	0.14	0.20	0.30	0.49	0.77	0.86	1.34	2.06	2.96	3.06	3.71	4.12	4.35	3.59	3.55	3.56	3.57	0.05	0.04	0.040
DSO	125	64	43	31	29	32	30	27	25	31	28	26	25	27	27	26	25	13	14	14.2 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	2587	1804	1201	748	474	426	272	177	123	119	98	89	84	102	103	103	102	7090	9226	9225.7 days
Cash Conversion Cycle	-2462	-1739	-1158	-716	-445	-394	-243	-150	-99	-89	-70	-62	-59	-74	-76	-77	-77	-7076	-9212	-9211.5 days
Cash Velocity	snapshot only																			1.707
Capital Intensity	snapshot only																			19.916

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	—	—	—	—	3.5%	1.3%	63.9%	31.9%	35.7%	42.3%	40.5%	39.1%	36.0%	32.8%	26.4%	19.7%	15.5%	5.6%	-5.2%	-5.21%
Net Income	—	—	—	—	2.2%	64.5%	23.4%	-10.7%	-14.5%	-17.9%	-27.2%	-13.2%	12.2%	49.1%	80.6%	70.8%	54.4%	5.8%	0.3%	0.26%
EPS	—	—	—	—	1.6%	56.0%	24.4%	-8.3%	-12.2%	-15.8%	-26.4%	-13.5%	11.0%	44.6%	75.1%	65.9%	55.0%	16.3%	10.4%	10.40%
FCF	—	—	—	—	2.0%	2.7%	1.4%	4.8%	-12.2%	-22.5%	-33.9%	-2.0%	21.2%	53.1%	90.8%	42.5%	57.8%	24.1%	5.0%	4.99%
EBITDA	—	—	—	—	2.3%	68.6%	22.8%	-10.9%	-15.7%	-19.4%	-27.8%	-14.1%	11.0%	47.7%	79.2%	69.9%	54.2%	10.0%	1.8%	1.83%
Op. Income	—	—	—	—	2.3%	68.4%	23.1%	-10.8%	-15.7%	-19.5%	-28.2%	-14.3%	11.4%	49.0%	81.4%	71.6%	55.3%	10.6%	2.6%	2.65%
OCF Growth	snapshot only																			5.70%
Asset Growth	snapshot only																			8.47%
Equity Growth	snapshot only																			-1.39%
Debt Growth	snapshot only																			-47.07%
Shares Change	snapshot only																			-9.18%
Dividend Growth	snapshot only																			64.49%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	—	—	—	—	—	—	—	—	—	—	—	—	1.0%	62.1%	42.8%	30.0%	28.7%	25.9%	19.0%	18.97%
Revenue 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS 3Y	—	—	—	—	—	—	—	—	—	—	—	—	36.8%	23.9%	17.1%	9.6%	14.7%	12.3%	12.5%	12.49%
EPS 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Income 3Y	—	—	—	—	—	—	—	—	—	—	—	—	45.9%	26.3%	17.5%	9.8%	14.0%	9.0%	9.6%	9.63%
Net Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EBITDA 3Y	—	—	—	—	—	—	—	—	—	—	—	—	45.7%	26.1%	16.7%	9.1%	13.0%	9.4%	9.6%	9.61%
EBITDA 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Gross Profit 3Y	—	—	—	—	—	—	—	—	—	—	—	—	67.8%	35.6%	20.7%	10.9%	11.2%	10.1%	10.5%	10.50%
Gross Profit 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Op. Income 3Y	—	—	—	—	—	—	—	—	—	—	—	—	45.8%	26.4%	17.0%	9.5%	13.4%	9.9%	10.1%	10.15%
Op. Income 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	47.7%	63.7%	45.5%	13.5%	18.9%	13.8%	9.8%	9.79%
FCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
OCF 3Y	—	—	—	—	—	—	—	—	—	—	—	—	47.8%	61.6%	43.9%	13.0%	18.4%	13.2%	9.7%	9.68%
OCF 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Assets 3Y	—	—	—	—	—	—	—	—	—	—	—	—	15.9%	11.7%	11.7%	11.7%	11.7%	10.3%	10.3%	10.31%
Assets 5Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Equity 3Y	—	—	—	—	—	—	—	—	—	—	—	—	3.9%	1.8%	1.8%	1.8%	1.8%	5.2%	5.2%	5.20%
Book Value 3Y	—	—	—	—	—	—	—	—	—	—	—	—	-2.5%	-0.1%	1.5%	1.6%	2.5%	8.4%	8.0%	7.95%
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	68.7%	42.5%	32.2%	29.5%	21.1%	21.13%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	—	—	—	—	—	—	—	—	0.96	0.99	1.00	0.98	0.97	1.00	1.00	0.99	0.99	0.95	0.80	0.805
Earnings Stability	—	—	—	—	—	—	—	—	0.56	0.30	0.09	1.00	0.53	0.68	0.38	0.22	0.76	0.79	0.58	0.581
Margin Stability	—	—	—	—	—	—	—	—	0.81	0.76	0.73	0.72	0.74	0.73	0.73	0.74	0.75	0.77	0.81	0.807
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.000
Earn. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.000
FCF Positive Streak	0	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	—	—	—	—	—	—	—	—	0.94	0.93	0.89	0.95	0.95	0.80	0.50	0.50	0.50	0.98	1.00	0.999
Earnings Smoothness	—	—	—	—	0.00	0.51	0.79	0.89	0.84	0.80	0.68	0.86	0.88	0.61	0.43	0.48	0.57	0.94	1.00	0.997
ROE Trend	—	—	—	—	—	—	—	—	0.03	0.00	-0.02	-0.02	0.00	0.02	0.03	0.04	0.04	0.02	0.03	0.027
Gross Margin Trend	—	—	—	—	—	—	—	—	-0.27	-0.32	-0.34	-0.31	-0.25	-0.18	-0.11	-0.05	-0.00	0.01	0.10	0.099
FCF Margin Trend	—	—	—	—	—	—	—	—	-0.24	-0.10	-0.14	-0.14	-0.10	-0.05	-0.01	-0.00	0.07	0.06	0.08	0.076
Sustainable Growth Rate	3.5%	5.7%	8.1%	10.7%	11.4%	10.4%	10.9%	10.4%	9.5%	8.8%	7.7%	8.2%	9.3%	10.2%	11.2%	11.7%	12.1%	8.5%	9.2%	9.20%
Internal Growth Rate	0.4%	0.6%	0.9%	1.2%	1.3%	1.0%	1.1%	1.0%	0.9%	0.8%	0.7%	0.7%	0.8%	0.8%	0.9%	1.0%	1.0%	0.7%	0.7%	0.74%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	1.49	0.67	0.81	1.26	1.40	1.47	1.56	1.48	1.45	1.36	1.41	1.66	1.54	1.40	1.48	1.38	1.57	1.64	1.56	1.563
FCF/OCF	0.99	0.95	0.96	0.98	0.98	0.98	0.98	0.98	0.98	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.99	0.987
FCF/Net Income	snapshot only																			1.543
OCF/EBITDA	snapshot only																			1.149
CapEx/Revenue	0.5%	1.2%	1.1%	0.8%	0.7%	0.9%	0.6%	0.6%	0.6%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.4%	0.41%
CapEx/Depreciation	snapshot only																			1.873
Accruals Ratio	-0.00	0.00	0.00	-0.00	-0.01	-0.00	-0.01	-0.00	-0.00	-0.00	-0.00	-0.01	-0.01	-0.00	-0.01	-0.00	-0.01	-0.01	-0.01	-0.006
Sloan Accruals	snapshot only																			-0.192
Cash Flow Adequacy	snapshot only																			5.004
Earnings Quality Score	snapshot only																			1.000

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	0.3%	0.2%	0.2%	0.2%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.5%	0.8%	1.0%	1.1%	1.3%	1.8%	2.0%	2.3%	2.4%	2.42%
Dividend/Share	$0.03	$0.03	$0.03	$0.03	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.05	$0.10	$0.15	$0.20	$0.24	$0.29	$0.35	$0.43	$0.44	$0.45
Payout Ratio	8.2%	4.4%	3.2%	2.4%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	6.6%	11.7%	14.9%	16.0%	17.8%	20.0%	21.8%	30.0%	29.2%	29.17%
FCF Payout Ratio	5.6%	6.9%	4.1%	2.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	4.7%	7.1%	9.7%	11.5%	12.1%	14.6%	14.0%	18.4%	18.9%	18.91%
Total Payout Ratio	8.2%	4.4%	3.2%	2.4%	0.0%	0.0%	27.8%	33.1%	36.2%	45.8%	18.3%	19.5%	22.1%	18.0%	19.9%	20.9%	1.3%	1.6%	1.6%	1.56%
Div. Increase Streak	0	0	0	0	—	—	—	—	—	—	0	0	0	0	1	1	1	1	1	1
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.86	1.93	1.29	1.01	0.67	0.669
Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	3.1%	3.4%	3.3%	3.3%	0.8%	0.5%	0.5%	0.1%	0.2%	0.1%	10.1%	10.2%	10.3%	10.34%
Net Buyback Yield	-20.8%	-15.5%	-14.4%	-17.8%	-0.0%	-0.0%	3.1%	3.4%	3.3%	3.3%	0.6%	0.4%	0.4%	-0.2%	-0.1%	-0.3%	9.6%	10.0%	10.1%	10.08%
Total Shareholder Return	-20.5%	-15.3%	-14.2%	-17.6%	-0.0%	-0.0%	3.1%	3.4%	3.3%	3.3%	1.1%	1.2%	1.4%	0.9%	1.2%	1.5%	11.6%	12.3%	12.4%	12.45%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.76	0.76	0.75	0.75	0.75	0.74	0.75	0.75	0.76	0.76	0.76	0.76	0.76	0.76	0.76	0.76	0.76	0.73	0.74	0.741
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
EBIT Margin	0.54	0.48	0.45	0.43	0.39	0.36	0.34	0.29	0.24	0.20	0.17	0.18	0.20	0.23	0.25	0.26	0.27	0.24	0.27	0.267
Asset Turnover	0.01	0.02	0.03	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.05	0.052
Equity Multiplier	8.78	9.09	9.09	9.09	8.95	10.20	10.20	10.20	10.20	11.82	11.82	11.82	11.82	12.08	12.08	12.08	12.08	12.58	12.58	12.579

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$0.40	$0.64	$0.85	$1.11	$1.06	$1.00	$1.06	$1.02	$0.93	$0.85	$0.78	$0.88	$1.03	$1.22	$1.36	$1.46	$1.60	$1.42	$1.51	$1.51
Book Value/Share	$10.46	$10.72	$10.14	$10.11	$10.12	$9.09	$9.15	$9.29	$9.30	$9.81	$9.75	$9.74	$9.68	$10.67	$10.60	$10.61	$10.90	$11.58	$11.51	$12.18
Tangible Book/Share	$10.46	$10.72	$10.14	$10.11	$10.12	$9.09	$9.15	$9.29	$9.30	$9.81	$9.75	$9.74	$9.68	$10.67	$10.60	$10.61	$10.90	$11.58	$11.51	$11.51
Revenue/Share	$0.99	$1.78	$2.53	$3.43	$3.64	$3.80	$4.19	$4.65	$5.08	$5.54	$5.96	$6.44	$6.83	$7.13	$7.30	$7.49	$7.92	$8.29	$7.62	$7.67
FCF/Share	$0.59	$0.41	$0.66	$1.38	$1.46	$1.44	$1.62	$1.48	$1.32	$1.14	$1.09	$1.44	$1.58	$1.70	$2.01	$2.00	$2.51	$2.32	$2.32	$2.34
OCF/Share	$0.60	$0.43	$0.69	$1.40	$1.49	$1.47	$1.65	$1.51	$1.35	$1.15	$1.10	$1.46	$1.60	$1.71	$2.02	$2.01	$2.52	$2.33	$2.35	$2.37
Cash/Share	$2.92	$2.43	$2.30	$2.29	$2.29	$2.70	$2.72	$2.76	$2.76	$13.81	$13.73	$13.71	$13.64	$14.58	$14.48	$14.50	$14.89	$4.49	$4.46	$19.42
EBITDA/Share	$0.54	$0.87	$1.16	$1.51	$1.46	$1.38	$1.44	$1.39	$1.26	$1.14	$1.05	$1.19	$1.39	$1.64	$1.83	$1.96	$2.14	$1.98	$2.05	$2.05
Debt/Share	$3.09	$2.64	$2.50	$2.49	$2.49	$3.01	$3.03	$3.08	$3.08	$9.93	$9.87	$9.86	$9.81	$8.50	$8.44	$8.45	$8.68	$4.95	$4.92	$4.92
Net Debt/Share	$0.17	$0.21	$0.20	$0.20	$0.20	$0.31	$0.31	$0.32	$0.32	$-3.88	$-3.86	$-3.85	$-3.83	$-6.08	$-6.04	$-6.05	$-6.22	$0.46	$0.46	$0.46

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.154
Altman Z-Prime	snapshot only																			-5.526
Piotroski F-Score	4	3	3	4	6	7	8	7	7	7	7	6	8	7	7	7	8	7	6	6
Beneish M-Score	—	—	—	—	-2.26	-2.05	-1.99	-1.89	-1.83	-1.81	-1.87	-2.07	-2.15	-2.48	-2.52	-2.51	-2.49	-3.60	-4.11	-4.110
Ohlson O-Score	snapshot only																			-1.116
Net-Net WC	snapshot only																			$-135.75
EVA	snapshot only																			$5712600.00

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																			BBB-
Credit Score	34.29	33.16	39.03	60.08	65.67	55.03	59.41	55.26	50.58	40.00	40.47	40.34	45.24	49.24	50.32	51.09	52.22	52.41	53.00	52.997
Credit Grade	snapshot only																			10
Credit Trend	snapshot only																			2.678
Implied Spread (bps)	snapshot only																			350.000
Industry Credit Rank	snapshot only																			33
Sector Credit Rank	snapshot only																			40

USCB NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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