USCB Financial Holdings, Inc. Class A (USCB)
NASDAQ:USCB
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USCB Stock Chart & Stats
$19.95
-$0.16(-0.93%)
At close: 4:00 PM EST
$19.95
-$0.16(-0.93%)
Day’s Range― - ―
52-Week Range$15.57 - $20.79
Previous CloseN/A
Volume4.61K
Average Volume (3M)24.82K
Market Cap
$357.06M
Enterprise Value$351.99M
Total Cash (Recent Filing)$356.12M
Total Debt (Recent Filing)$92.34M
Price to Earnings (P/E)12.9
Beta0.82
Next Earnings
Jul 23, 2026EPS Estimate
0.49Next Dividend Ex-DateN/A
Dividend Yield2.1%
Share Statistics
EPS (TTM)1.46
Shares Outstanding18,263,900
10 Day Avg. Volume22,306
30 Day Avg. Volume24,817
Financial Highlights & Ratios
PEG Ratio1.78
Price to Book (P/B)1.57
Price to Sales (P/S)2.19
P/FCF Ratio7.85
Enterprise Value/Market Cap0.99
Enterprise Value/Revenue2.50
Enterprise Value/Gross Profit3.84
Enterprise Value/Ebitda9.23
Forecast
1Y Price Target
$23.00Price Target Upside15.29% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.02
Revenue Forecast (FY)$109.01M
Bulls Say, Bears Say
Bulls Say
Sustained ProfitabilityUSCB exhibits durable earnings power with net margins near 20% and operating margins in the mid‑to‑high 20s. That level of profitability supports internal capital generation, dividend capacity and resilience through rate and credit cycles, making earnings more predictable over months.
Stronger Capital And Lower LeverageLeverage has meaningfully improved (debt/equity ~0.41 vs ~1.01 in 2023) and risk‑based capital is comfortably above minimums. A stronger capital base reduces balance‑sheet risk, improves loss absorption and gives flexibility to fund loan growth or shareholder returns over the medium term.
Robust Cash GenerationFree cash flow roughly equals reported net income (FCF/net income ~0.99) and has been positive consistently. Strong cash conversion supports repeatable dividends, targeted investments and buybacks while insulating the franchise from short‑term funding shocks.
Bears Say
Softening Revenue TrendTrailing‑twelve‑month revenue has declined about 7.6% after prior strong expansion. A weakening top line can limit sustainable earnings growth and puts greater reliance on margin improvement or one‑off fee items to meet profit targets over the coming quarters.
Volatile Noninterest Income (Swap Fees)Q1 benefited from elevated swap fees that management expects to normalize. Dependence on episodic or market‑sensitive fee income adds earnings volatility and makes medium‑term revenue forecasts less predictable unless core fee diversification increases.
Deposit Cost & Funding PressureWhile deposit costs improved YoY, management notes competitor rate pressure and recent deposit volatility (large commercial draws). Rising funding costs or unstable deposit balances could compress NIM and require pricier funding solutions over several quarters.
USCB Financial Holdings, Inc. Class A News
USCB FAQ
What was USCB Financial Holdings, Inc. Class A’s price range in the past 12 months?
USCB Financial Holdings, Inc. Class A lowest stock price was $15.56 and its highest was $20.79 in the past 12 months.
What is USCB Financial Holdings, Inc. Class A’s market cap?
USCB Financial Holdings, Inc. Class A’s market cap is $357.06M.
When is USCB Financial Holdings, Inc. Class A’s upcoming earnings report date?
USCB Financial Holdings, Inc. Class A’s upcoming earnings report date is Jul 23, 2026 which is in 37 days.
How were USCB Financial Holdings, Inc. Class A’s earnings last quarter?
USCB Financial Holdings, Inc. Class A released its earnings results on Apr 23, 2026. The company reported $0.47 earnings per share for the quarter, missing the consensus estimate of $0.474 by -$0.004.
Is USCB Financial Holdings, Inc. Class A overvalued?
According to Wall Street analysts USCB Financial Holdings, Inc. Class A’s price is currently Undervalued.
Does USCB Financial Holdings, Inc. Class A pay dividends?
USCB Financial Holdings, Inc. Class A pays a Quarterly dividend of $0.125 which represents an annual dividend yield of 2.1%. See more information on USCB Financial Holdings, Inc. Class A dividends here
What is USCB Financial Holdings, Inc. Class A’s EPS estimate?
USCB Financial Holdings, Inc. Class A’s EPS estimate is 0.49.
How many shares outstanding does USCB Financial Holdings, Inc. Class A have?
USCB Financial Holdings, Inc. Class A has 18,263,900 shares outstanding.
What happened to USCB Financial Holdings, Inc. Class A’s price movement after its last earnings report?
USCB Financial Holdings, Inc. Class A reported an EPS of $0.47 in its last earnings report, missing expectations of $0.474. Following the earnings report the stock price went down -1.8%.
Which hedge fund is a major shareholder of USCB Financial Holdings, Inc. Class A?
Currently, no hedge funds are holding shares in USCB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
USCB Financial Holdings, Inc. Class A Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$23.00 (15.29% Upside)
$23.00 (15.29% Upside)
Hedge Fund Trend
Decreased
By 1.3K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $4.7M over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
19.18%
12-Months-Change
Fundamentals
Return on Equity
12.69%
Trailing 12-Months
Asset Growth
6.24%
Trailing 12-Months
Company Description
USCB Financial Holdings, Inc. Class A
USCB Financial Holdings, Inc. serves as the parent company for U.S. Century Bank, which delivers a wide spectrum of banking solutions and financial services. Its core mission is to meet the financial requirements of small and medium-sized businesses. The institution offers diverse deposit instruments, including checking, savings, money market, and time deposit accounts, alongside certificates of deposit. Its extensive lending portfolio encompasses financing for residential and commercial real estate, commercial and industrial enterprises, and credit facilities for foreign banks. Additionally, it extends consumer loans, both secured and unsecured, such as personal loans, overdraft protection, and loans backed by deposit accounts. Beyond these, the company provides crucial treasury services, commercial payment processing, cash management solutions, and convenient online banking. Established in 2002, USCB Financial Holdings, Inc. is based in Miami, Florida.
USCB Company Deck
USCB Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presents a broadly positive performance: record quarterly earnings, double-digit loan growth, meaningful deposit expansion, improved NIM YoY, strong capital ratios, and excellent credit quality. Challenges were largely timing-related (late loan closings, early payoffs) and include expected normalization of swap fees, a small uptick in NPAs tied to two residential loans (no expected loss), and measured near-term expense increases for planned hires. On balance, the favorable metrics and franchise momentum materially outweigh the identified short-term and manageable headwinds.View all USCB earnings summariesUSCB Stock 12 Month Forecast
Average Price Target
$23.00
▲(15.29% Upside)
Technical Analysis
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Ownership Overview
35.16% Insiders
14.00% Mutual Funds
35.52% Other Institutional Investors
8.78% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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