📊 USBC Key Takeaways
Is USBC, Inc. (USBC) a Good Investment?
USBC faces severe financial distress with zero revenue, $25.6M net losses, and negative operating cash flow of $7.1M. The company's liquidity crisis (current ratio 0.32x) combined with only $2M cash reserves creates imminent solvency risk, with projected cash depletion within months at current burn rates.
USBC, Inc. Key Strengths (USBC)
- Low debt-to-equity ratio of 0.07x provides debt flexibility despite operational collapse
- EPS improving 95% YoY from negative position suggests some loss moderation
- Asset base of $72.3M provides potential liquidation value for creditors
USBC Stock Risks: USBC, Inc. Investment Risks
- Zero revenue with complete business deterioration indicating operational failure
- Critical liquidity crisis with 0.32x current ratio and $2M cash against $12.4M liabilities
- Negative operating cash flow of $7.1M annually will exhaust cash reserves within months
- Negative ROE (-42.7%) and ROA (-35.4%) demonstrate systematic value destruction
- Interest coverage ratio of -9.8x indicates inability to service debt from operations
- High bankruptcy and restructuring risk with potential shareholder loss of equity value
Key Metrics to Watch
- Monthly cash burn rate and absolute cash position trajectory
- Revenue recovery or new revenue-generating business initiatives
- Operating cash flow improvement toward positive cash generation
- Debt covenant compliance and default risk
- Going concern qualifications and asset impairment charges
USBC, Inc. (USBC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
USBC Profit Margin, ROE & Profitability Analysis
USBC vs Finance Sector: How USBC, Inc. Compares
How USBC, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is USBC, Inc. Stock Overvalued? USBC Valuation Analysis 2026
Based on fundamental analysis, USBC, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
USBC, Inc. Balance Sheet: USBC Debt, Cash & Liquidity
USBC Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: USBC, Inc.'s revenue has shown modest growth of 1% over the 5-year period. The most recent EPS of $-7.85 indicates the company is currently unprofitable.
USBC Revenue Growth, EPS Growth & YoY Performance
USBC Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2023 | N/A | -$3.0M | N/A |
| Q2 2023 | N/A | -$3.8M | N/A |
| Q1 2023 | N/A | -$3.8M | N/A |
| Q3 2022 | N/A | -$3.0M | N/A |
| Q2 2022 | N/A | -$5.3M | N/A |
| Q3 2021 | N/A | -$2.9M | N/A |
| Q2 2021 | N/A | -$3.0M | N/A |
| Q1 2021 | N/A | -$3.0M | N/A |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
USBC, Inc. Dividends, Buybacks & Capital Allocation
USBC SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for USBC, Inc. (CIK: 0001074828)
📋 Recent SEC Filings
❓ Frequently Asked Questions about USBC
What is the AI rating for USBC?
USBC, Inc. (USBC) has an AI grade of D with 96% confidence, based on fundamental analysis of SEC EDGAR filings.
What are USBC's key strengths?
Claude: Low debt-to-equity ratio of 0.07x provides debt flexibility despite operational collapse. EPS improving 95% YoY from negative position suggests some loss moderation.
What are the risks of investing in USBC?
Claude: Zero revenue with complete business deterioration indicating operational failure. Critical liquidity crisis with 0.32x current ratio and $2M cash against $12.4M liabilities.
What is USBC's revenue and growth?
USBC, Inc. reported revenue of $0.0.
Does USBC pay dividends?
USBC, Inc. does not currently pay dividends.
Where can I find USBC SEC filings?
Official SEC filings for USBC, Inc. (CIK: 0001074828) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is USBC's EPS?
USBC, Inc. has a diluted EPS of $-0.07.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is USBC's fundamental grade?
Based on our AI fundamental analysis in June 2026, USBC, Inc. has a D grade with 96% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is USBC stock overvalued or undervalued?
Valuation metrics for USBC: ROE of -42.7% (sector avg: 12%), net margin of N/A (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is USBC's AI grade for 2026?
Our dual AI analysis gives USBC, Inc. a combined D grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is USBC's free cash flow?
USBC, Inc.'s operating cash flow is $-7.1M, with capital expenditures of $0.0.
How does USBC compare to other Finance stocks?
Vs Finance sector averages: Net margin N/A (avg: 25%), ROE -42.7% (avg: 12%), current ratio 0.32 (avg: 1.2).