USCB Financial Holdings, Inc. — Earnings Quality Grade F
USCB · Financial Services
Major red flags
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 47 days, change -1 days YoY
AR growth 6.5% vs revenue growth 9.1%
Revenue 9.1%, CFFO 22.9%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -3.5% vs revenue 9.1%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.64. Profits backed by cash
FCF $0.0B, FCF/NI = 1.63
Accruals ratio = -0.6%. Low accruals
Cash $0.0B covers only 19% of debt $0.2B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
USCB Financial Holdings, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25