USBC Inc. Common Stock (USBC)

FairStock Score: 50/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Graham-Buffett investor, I want understandable businesses with durable advantages, honest accounting, and a margin of safety. USBC does not clear that bar. The company, formerly Know Labs, now mixes digital assets, banking solutions, and non-invasive health monitoring — a wide set of unproven activities run by 16 employees. Filed figures show revenue n/a and persistent losses: a net loss of $20.8 million in fiscal Q3 2026, the quarter ended 2026-06-30; a net loss of $25.6 million in fiscal Q2 2026, the quarter ended 2026-03-31; and a net loss of $27.5 million in fiscal Q1 2026, the period ended 2025-12-31. In fiscal year 2025, the year ended 2025-09-30, the net loss was $22.1 million; in fiscal year 2024, ended 2024-09-30, it was $16.6 million; and in fiscal year 2023, ended 2023-09-30, it was $15.3 million. That is not owner earnings; it is cash burn. Trailing free cash flow is -$23.0 million, a -11.8% FCF yield against the $194.1 million market cap. FairStock’s Piotroski F-Score of 1/9 and Altman Z-Score of 0.53 signal weak financial quality and solvency risk. The stock closed at $0.50 on 2026-10-13, and FairStock reports a P/E of 0.21, P/B of 4.17, Graham Number of $2.51, and 80.08% margin of safety. But a P/E or Graham Number built on numbers that conflict with filed losses is not a margin of safety. The computed Lynch category is none because of losses in each of the last four years. Without revenue, profits, or a visible moat, this looks speculative, not cheap.

In plain English: USBC is a small tech company in Reno that is trying to build digital banking and financial services and do research on health monitoring. Its recent reports show it is losing money and not reporting revenue, so the business looks weak. The stock price is low compared with some calculated values, but those values are hard to trust when the company keeps losing money.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q3 2026 10-Q (period ended 2026-06-30) · fiscal Q2 2026 10-Q (period ended 2026-03-31) · fiscal Q1 2026 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-09-30) · FY2024 10-K (period ended 2024-09-30) · FY2023 10-K (period ended 2023-09-30)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer