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USCB Financial Holdings, Inc. Class A (USCB)
NASDAQ:USCB
USCB Stock Chart & Stats
$18.93
-$0.16(-0.93%)
At close: 4:00 PM EST
$18.93
-$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
$342.83M
Enterprise Value$351.76M
Total Cash (Recent Filing)$380.99M
Total Debt (Recent Filing)$56.54M
Price to Earnings (P/E)14.2
Beta0.86
Next Earnings
Apr 23, 2026EPS Estimate
0.47Next Dividend Ex-DateN/A
Dividend Yield2.1%
Share Statistics
EPS (TTM)0.44
Shares Outstanding18,110,386
10 Day Avg. Volume22,306
30 Day Avg. Volume24,817
Financial Highlights & Ratios
PEG Ratio0.29
Price to Book (P/B)1.62
Price to Sales (P/S)2.43
P/FCF Ratio10.34
Enterprise Value/Market Cap1.03
Enterprise Value/Revenue2.25
Enterprise Value/Gross Profit3.81
Enterprise Value/Ebitda8.31
Forecast
1Y Price Target
$22.00Price Target Upside16.22% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.03
Revenue Forecast (FY)$113.36M
Bulls Say, Bears Say
Bulls Say
Loan & Deposit GrowthSustained loan and deposit expansion signals durable franchise momentum and organic funding capacity. Consistent loan growth drives core net interest income and supports relationship banking scale, while deposit gains reduce reliance on external funding and enable measured balance sheet expansion over coming quarters.
High-quality Credit MetricsVery low NPLs and a meaningful ACL ratio indicate conservative underwriting and portfolio resilience. Persistent credit strength reduces expected credit losses, preserves capital, and allows management to pursue growth and shareholder returns with lower risk of unexpected charge-offs in the medium term.
Improved Leverage And Capital ActionsMaterial deleveraging alongside targeted capital issuance and buybacks demonstrates proactive capital management. A stronger capital mix and tangible book growth provide a buffer for growth initiatives and regulatory resilience while enabling sustainable dividend increases and share repurchases.
Bears Say
Margin Compression & Yield Mix RiskA higher share of short-tenor, lower-yield correspondent production and overall portfolio yield decline create structural pressure on NIM. If this mix persists alongside rate cuts, margin recovery will be slower, making earnings more sensitive to funding costs and reinvestment yields over the medium term.
Deposit Volatility & ConcentrationLarge client swings and correspondent deposit movements highlight concentration and liquidity management risk. Recurring volatility raises the need for contingency funding, can increase marginal funding costs, and weakens predictability of low-cost DDA balances that sustain long-term margin stability.
Weak Recent Operating Cash Flow CoverageDespite stronger free cash flow totals, a noticeably weaker operating cash flow coverage ratio reduces internal cushion against stress. Lower coverage limits flexibility to absorb shocks, support loan growth or dividend increases without drawing on securities or external funding during tightening cycles.
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 $342.83M.
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 52 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 18,110,386 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 (16.22% Upside)
$22.00 (16.22% Upside)
Insider Transactions
Sold Shares
Worth $2.7M 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
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
▲(16.22% Upside)
Technical Analysis
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Ownership Overview
35.55% Insiders
13.75% Mutual Funds
23.36% Other Institutional Investors
21.11% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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