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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$16.06 - $20.93
Previous CloseN/A
Volume4.61K
Average Volume (3M)24.82K
Market Cap
$373.50M
Enterprise Value$362.03M
Total Cash (Recent Filing)$356.12M
Total Debt (Recent Filing)$92.34M
Price to Earnings (P/E)14.0
Beta0.78
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 Ratio1.91
Price to Book (P/B)1.57
Price to Sales (P/S)2.19
P/FCF Ratio7.85
Enterprise Value/Market Cap0.97
Enterprise Value/Revenue2.58
Enterprise Value/Gross Profit3.95
Enterprise Value/Ebitda9.49
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
Profitability & Cash GenerationSustained net margin near 20% and nearly one-to-one free cash flow to net income indicate high earnings quality and cash conversion. This durable cash generation supports dividends, organic growth, capital build, and resilience through economic cycles without reliance on volatile funding.
Improving Leverage And CapitalMarked reduction in leverage and strong risk-based capital provide a durable regulatory and economic buffer. Lower debt-to-equity and rising tangible book value increase financial flexibility to fund lending, return capital via dividends, and absorb credit stress while supporting measured franchise expansion.
Deposit-Funded Loan Growth & DiversificationDouble-digit loan growth alongside deposit expansion and specialized deposit verticals gives a stable, low-cost funding base. Deposit-funded lending supports NIM and reduces reliance on wholesale funding, enabling repeatable, franchise-driven loan growth and structural earnings durability.
Bears Say
Top-line Weakness (TTM Revenue Decline)A roughly 7.6% TTM revenue decline signals cooling top-line momentum that can undercut operating leverage over the medium term. Persistently softer revenue limits the bank’s ability to fund investments, maintain margin expansion, and sustain profit growth without improved loan yields or fee diversification.
Yield Mix Pressure From Correspondent LoansA substantial share of new production from lower-yield correspondent loans creates a structural trade-off: deposit and fee advantages vs. depressed new-loan yields. If correspondent-originated volume remains large, it may constrain long-term NIM expansion and dilute the yield profile of the loan book.
Noninterest Income Volatility & Rising ExpensesReliance on elevated swap fees that are expected to normalize, together with planned hiring and expense increases, risks compressing operating leverage. If fee income moderates and new hires take time to generate revenue, efficiency could worsen and pressure medium-term profitability.
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 $16.06 and its highest was $20.93 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 $373.50M.
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 16 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 $4.5M 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. 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
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
West Bancorporation
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Bankwell Financial Group
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Farmers & Merchants Bancorp
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Ponce Financial Group Inc
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Orange County Bancorp
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Ownership Overview
35.16% Insiders
14.04% Mutual Funds
35.52% Other Institutional Investors
7.99% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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