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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$16.36 - $23.74
Previous CloseN/A
Volume4.61K
Average Volume (3M)24.82K
Market Cap
$414.57M
Enterprise Value$663.71
Total Cash (Recent Filing)$118.15M
Total Debt (Recent Filing)$292.90M
Price to Earnings (P/E)14.6
Beta0.80
Next Earnings
Oct 22, 2026EPS Estimate
0.56Next Dividend Ex-DateN/A
Dividend Yield2.12%
Share Statistics
EPS (TTM)1.54
Shares Outstanding18,474,470
10 Day Avg. Volume22,306
30 Day Avg. Volume24,817
Financial Highlights & Ratios
PEG Ratio1.91
Price to Book (P/B)1.57
Price to Sales (P/S)2.19
P/FCF Ratio7.85
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$25.50Price Target Upside27.82% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.06
Revenue Forecast (FY)$111.75M
Bulls Say, Bears Say
Bulls Say
Loan And Asset GrowthExpansion in assets and loans, supported by record production, strengthens USCB’s earning-asset base and regional market position. Continued high-single-digit to low-double-digit loan growth guidance supports revenue generation over the next several quarters.
Profitability And Operating EfficiencyStrong returns, expanding net interest income and an efficiency ratio below 50% indicate effective operating execution. Management’s 3.40%–3.50% NIM range and low-50% efficiency target provide support for sustainable profitability.
Credit Quality And Core DepositsExceptionally low credit losses protect earnings and capital as the loan book grows. Rising core, noninterest-bearing deposits also improve funding quality and can reduce reliance on expensive liabilities, supporting margins and franchise durability.
Bears Say
Higher LeverageThe sharp increase in leverage reduces balance-sheet flexibility and heightens sensitivity to credit deterioration, funding costs and interest-rate movements. This is particularly important for a regional bank expanding its loan portfolio and asset base.
Wholesale Funding DependenceFunding optimization may lower immediate deposit costs, but greater wholesale reliance can make liabilities more rate-sensitive and less stable than relationship deposits. Sustained growth therefore depends on successfully expanding low-cost core deposits.
Revenue And Margin PressureTop-line softness and reduced fee contribution could temper growth even while margins remain healthy. Lower-yield correspondent production and competitive deposit pricing may further constrain revenue conversion until assets reprice or fee-generating initiatives scale.
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 $16.36 and its highest was $23.74 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 $414.57M.
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 Oct 22, 2026 which is in 58 days.
How were USCB Financial Holdings, Inc. Class A’s earnings last quarter?
USCB Financial Holdings, Inc. Class A released its earnings results on Jul 23, 2026. The company reported $0.49 earnings per share for the quarter, beating the consensus estimate of $0.486 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 2.12%. 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 0.56.
How many shares outstanding does USCB Financial Holdings, Inc. Class A have?
USCB Financial Holdings, Inc. Class A has 18,474,470 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 $0.49 in its last earnings report, beating expectations of $0.486. Following the earnings report the stock price went up 6.383%.
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:
$25.50 (27.82% Upside)
$25.50 (27.82% Upside)
Blogger Sentiment
Neutral
USCB Sentiment 100%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth $1.7M 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
2.12%
Trailing 12-Months
Asset Growth
10.88%
Trailing 12-Months
Company Description
USCB Financial Holdings, Inc. Class A
USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various personal and business banking products and services in the United States. The company offers small business administration and yacht lending services; homeowners association services, including deposit collection, lockbox services, payment services, and lending products; jurist advantage and private client group services; correspondent banking services for banks in certain Latin America and the Caribbean countries. It also provides deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, and certificates of deposit; treasury, commercial payment, and cash management services; insured cash sweep and certificate of deposit account registry services; and clients title insurance policies for real estate transactions. The company was founded in 2002 and is headquartered in Doral, Florida.
USCB Company Deck
USCB Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlighted multiple strong operating and financial achievements: crossing the $3 billion asset milestone, record loan production ($272M), margin expansion to 3.49%, solid deposit quality improvements, improving efficiency ratio under 50%, and exceptionally strong credit metrics (NPLs ~9 bps, net charge-offs ~5 bps). Lowlights were present but manageable: a modest provision ($1.3M) that reduced near-term earnings, normalization of swap fees and lower noninterest income versus Q1, deliberate exit of expensive deposits replaced by FHLB/wholesale funding, some expense and tax pressures, and an AOCI drag on tangible book value. Overall, the positive drivers (growth, margin expansion, efficiency and pristine credit) materially outweigh the challenges, which management is addressing through funding optimization and targeted initiatives.View all USCB earnings summariesUSCB Stock 12 Month Forecast
Average Price Target
$25.50
▲(27.82% Upside)
Technical Analysis
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Ownership Overview
34.89% Insiders
13.88% Mutual Funds
36.31% Other Institutional Investors
7.01% Public Companies and
Individual Investors