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USCB Financial Holdings, Inc. Class A (USCB)
NASDAQ:USCB
USCB Stock Chart & Stats
$18.15
-$0.16(-0.93%)
At close: 4:00 PM EST
$18.15
-$0.16(-0.93%)
Day’s Range― - ―
52-Week Range$15.39 - $20.79
Previous CloseN/A
Volume4.61K
Average Volume (3M)24.82K
Market Cap
$331.36M
Enterprise Value$339.78M
Total Cash (Recent Filing)$82.34M
Total Debt (Recent Filing)$90.75M
Price to Earnings (P/E)12.8
Beta0.87
Next Earnings
Apr 23, 2026EPS Estimate
0.47Next Dividend Ex-DateN/A
Dividend Yield2.1%
Share Statistics
EPS (TTM)0.44
Shares Outstanding18,256,987
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 Cap1.03
Enterprise Value/Revenue2.23
Enterprise Value/Gross Profit3.84
Enterprise Value/Ebitda9.34
Forecast
1Y Price Target
$22.00Price Target Upside21.21% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.03
Revenue Forecast (FY)$113.36M
Bulls Say, Bears Say
Bulls Say
Consistent Loan & Deposit GrowthSustained balance sheet expansion—double-digit loan growth and meaningful deposit inflows—supports persistent net interest income expansion and scale benefits. A growing, deposit-funded loan book improves long-term earnings capacity and funds organic growth without excessive wholesale borrowing.
Improving Net Interest Margin And NIIA rising NIM alongside higher NII indicates the bank is capturing spread expansion from portfolio repositioning and new loan yields. If sustained via disciplined asset yields and deposit mix improvements, this structural margin improvement enhances recurring profitability over the medium term.
Very Strong Asset Quality And ProvisionsExtremely low NPLs and a healthy ACL ratio signal conservative underwriting and loss-absorbing capacity. Strong credit metrics reduce downside from loan defaults, supporting durable earnings and enabling management to pursue growth and capital returns with lower credit risk.
Bears Say
2025 Revenue Dip & Margin VolatilityA year-over-year revenue pullback and fluctuating margins reduce confidence in near-term momentum and the consistency of earnings power. For a regional bank, persistent volatility in revenue and margins can impede reinvestment, dividend sustainability, and long-run capital planning.
Realized Securities Loss And Reinvestment RiskRepositioning the securities book created a material one-time loss and highlights sensitivity to market moves when realizing AFS gains/losses. Reinvestment risk and timing could compress near-term earnings if rates or loan yields evolve unfavorably, making earnings subject to portfolio execution.
Deposit Volatility And Funding Mix RiskMaterial quarter-end deposit swings and higher short-tenor correspondent production increase funding variability and margin pressure. Persistent deposit volatility would force more expensive funding or constrain loan growth, challenging stable NIMs and the predictability of cash flows.
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 $15.39 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 $331.36M.
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 Apr 23, 2026 which is in 31 days.
How were USCB Financial Holdings, Inc. Class A’s earnings last quarter?
USCB Financial Holdings, Inc. Class A released its earnings results on Jan 22, 2026. The company reported $0.44 earnings per share for the quarter, missing the consensus estimate of $0.504 by -$0.064.
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 $0.1 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 0.47.
How many shares outstanding does USCB Financial Holdings, Inc. Class A have?
USCB Financial Holdings, Inc. Class A has 18,256,987 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 $0.44 in its last earnings report, missing expectations of $0.504. Following the earnings report the stock price went down -5.795%.
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:
$22.00 (21.21% Upside)
$22.00 (21.21% Upside)
Insider Transactions
Sold Shares
Worth $326.4K 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
14.96%
Trailing 12-Months
Asset Growth
10.61%
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 banking products and services to small-to-medium sized businesses. The company accepts checking, savings, money market, and time deposit accounts; and certificates of deposit. Its loan products include residential real estate loans; commercial real estate loans; commercial and industrial loans; foreign banks loans; and secured and unsecured consumer loans comprising personal loans, overdrafts, and deposit account collateralized loans. The company also offers treasury, commercial payments, cash management, and online banking services. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida.
USCB Company Deck
USCB Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
Overall the quarter showed strong underlying fundamentals: solid balance sheet growth (assets, loans, deposits), improving NIM and stable credit quality. Management executed strategic actions (debt issuance, buybacks, securities repositioning) to enhance future earnings power and raised the dividend. Negative items were largely one-time or identifiable (securities sale loss $5.6M, prior-period state tax $1.1M), some quarter-end deposit volatility, and modest yield compression due to rate cuts and short-tenor correspondent production. On balance, the positives around core earnings, asset quality, capital actions and clear growth initiatives outweigh the transitory negatives.View all USCB earnings summariesUSCB Stock 12 Month Forecast
Average Price Target
$22.00
▲(21.21% Upside)
Technical Analysis
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Ownership Overview
35.23% Insiders
14.09% Mutual Funds
27.59% Other Institutional Investors
17.23% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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