US Century Valuation
| USCB Stock | USD 20.28 0.20 0.98% |
At this time, the company appears to be overvalued. US Century Bank owns a latest Real Value of $17.31 per share. The recent price of the company is $20.28. Our model measures the value of US Century Bank from analyzing the company fundamentals such as Current Valuation of 495.03 M, profit margin of 0.29 %, and Return On Equity of 0.1 as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting US Century's valuation include:
Price Book 1.8995 | Enterprise Value 495 M | Price Sales 5.66 | Forward PE 14.8368 | Trailing PE 19.6923 |
Overvalued
Today
Please note that US Century's price fluctuation is not too volatile at this time. Calculation of the real value of US Century Bank is based on 3 months time horizon. Increasing US Century's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since US Century is currently traded on the exchange, buyers and sellers on that exchange determine the market value of USCB Stock. However, US Century's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 20.28 | Real 17.31 | Target 12.25 | Hype 20.67 | Naive 19.01 |
The real value of USCB Stock, also known as its intrinsic value, is the underlying worth of US Century Bank Company, which is reflected in its stock price. It is based on US Century's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of US Century's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of US Century Bank helps investors to forecast how USCB stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of US Century more accurately as focusing exclusively on US Century's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use US Century's intrinsic value based on its ongoing forecasts of US Century's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against US Century's closest peers. If more than one evaluation category is relevant for US Century we suggest using both methods to arrive at a better estimate.
US Century Cash |
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USCB Valuation Trend
Comparing US Century's enterprise value against its market capitalization is a good way to estimate the value of US Century Bank uage its performance over time. This information may sometimes be enough for investors to make reasonable market timing decisions.
US Century Total Value Analysis
US Century Bank is at this time forecasted to have valuation of 495.03 M with market capitalization of 406.34 M, debt of 194.42 M, and cash on hands of 87.1 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the US Century fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
495.03 M | 406.34 M | 194.42 M | 87.1 M |
US Century Investor Information
About 25.0% of the company outstanding shares are owned by insiders. The company has Price to Book (P/B) ratio of 1.9. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. US Century Bank last dividend was issued on the 15th of November 2024. The entity had 1:1 split on the 30th of December 2021. Based on the key measurements obtained from US Century's financial statements, US Century Bank is not in a good financial situation at this time. It has a very high probability of going through financial hardship in January.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.34 | 0.4836 |
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| Total Cash From Operating Activities | 22.3 M | 22.5 M |
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| Operating Income | 22 M | 30.8 M |
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US Century Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The current return on assets of USCB suggests not a very effective usage of assets in December.US Century Ownership Allocation
US Century Bank secures a total of 19.84 Million outstanding shares. Over half of US Century's outstanding shares are owned by institutions. These institutions are typically referred to as corporate investors that take positions in a given instrument to benefit from reduced trade commissions. Please note that no matter how many assets the company retains, if the real value of the company is less than the current market value, you may not be able to make money on it.US Century Profitability Analysis
The company reported the previous year's revenue of 63.6 M. Net Income was 16.55 M with profit before overhead, payroll, taxes, and interest of 66.39 M.US Century Past Distributions to stockholders
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates US Century's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in US Century and how it compares across the competition.
About US Century Valuation
The stock valuation mechanism determines US Century's current worth on a weekly basis. Our valuation model uses a comparative analysis of US Century. We calculate exposure to US Century's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of US Century's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 108.4 M | 63.1 M | |
| Pretax Profit Margin | 0.34 | 0.42 | |
| Operating Profit Margin | 0.48 | 0.34 | |
| Net Profit Margin | 0.26 | 0.32 | |
| Gross Profit Margin | 1.53 | 1.36 |
A single share of US Century represents a small ownership stake in the entity. As a stockholder of USCB, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
US Century Dividends Analysis For Valuation
Please note that US Century has scaled down on payment of dividends at this time. As of December 2, 2024, Retained Earnings is expected to decline to about (93 M). In addition to that, Retained Earnings Total Equity is expected to decline to about (125.7 M)
There are various types of dividends US Century can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of USCB shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from US Century Bank directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When USCB pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of US Century by the value of the dividends paid out.
US Century Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 19.7 M | |
| Quarterly Earnings Growth Y O Y | 0.842 | |
| Forward Price Earnings | 14.8368 |
US Century Current Valuation Indicators
Valuation refers to the process of determining the present value of US Century Bank and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value USCB we look at many different elements of the entity such as USCB's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as US Century, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use US Century's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes US Century's worth.Complementary Tools for USCB Stock analysis
When running US Century's price analysis, check to measure US Century's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy US Century is operating at the current time. Most of US Century's value examination focuses on studying past and present price action to predict the probability of US Century's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move US Century's price. Additionally, you may evaluate how the addition of US Century to your portfolios can decrease your overall portfolio volatility.
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