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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 - $23.74
Previous CloseN/A
Volume4.61K
Average Volume (3M)24.82K
Market Cap
$401.26M
Enterprise Value$540.83
Total Cash (Recent Filing)$356.12M
Total Debt (Recent Filing)$92.34M
Price to Earnings (P/E)14.3
Beta0.82
Next Earnings
Oct 22, 2026EPS Estimate
0.56Next Dividend Ex-DateN/A
Dividend Yield2.05%
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$27.00Price Target Upside35.34% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)2.06
Revenue Forecast (FY)$111.75M
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationFCF roughly matches net income (free cash flow to net income ~0.99) and is positive across periods, indicating high earnings quality. Durable cash generation supports internal funding for loan growth, dividends and capital accretion, lowering reliance on external financing over the medium term.
Improved Balance-sheet LeverageLeverage has materially improved (debt/equity down to ~0.41 from ~1.01) while equity and ROE have risen to ~12–13%. That stronger capital base reduces solvency risk, provides regulatory headroom, and allows the bank to support loan growth and absorb losses without frequent external capital raises.
Margin Expansion And Loan ProductionNet interest margin expanded to 3.49 alongside record quarterly loan originations ($272M) and deposit growth (~$2.5B avg). Sustained NIM and genuine loan pipeline underpin recurring net interest income, supporting durable profitability provided funding mix and credit quality remain intact.
Bears Say
TTM Revenue DeclineTTM revenue fell ~7.6% versus prior years of growth, signaling weakening top-line momentum. Persistent revenue contractions can erode operating leverage, limit reinvestment capacity and make earnings more sensitive to margin pressure, challenging sustainable EPS progress absent new product or geographic expansion.
Higher Reliance On Wholesale FundingManagement replaced some exited high-cost relationship deposits with FHLB and other wholesale funding. Wholesale funding is typically more rate- and tenor-sensitive than core deposits, increasing funding-cost volatility and refinancing risk, which can durably pressure NIM and liquidity if deposit rebuilding stalls.
AOCI Drag And Expense PressuresAccumulated other comprehensive income is a -$31.4M drag (~$1.70/sh), lowering tangible book value and constraining visible capital. Combined with rising provisions, excise tax items and measured expense increases, this reduces distributable capital and can limit capital return flexibility and reported ROE over time.
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 $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 $401.26M.
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 80 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 2.05%. 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 18,263,900 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 $0.49 in its last earnings report, beating expectations of $0.486. Following the earnings report the stock price went up 6.382%.
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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10
Analyst Consensus
Moderate Buy
Average Price Target:
$27.00 (35.34% Upside)
$27.00 (35.34% Upside)
Blogger Sentiment
Neutral
USCB Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 1.3K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $3.6M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
19.18%
12-Months-Change
Fundamentals
Return on Equity
2.05%
Trailing 12-Months
Asset Growth
10.88%
Trailing 12-Months
Company Description
USCB Financial Holdings, Inc. Class A
USCB Financial Holdings, Inc. (USCB) is a bank holding company for U.S. Century Bank, a Florida-based commercial bank that provides banking products and services to individuals and businesses. The company operates in the financial services sector (banking) and offers core deposit products (e.g., checking, savings, money market accounts, and certificates of deposit) and lending solutions, along with related treasury and electronic banking services typically associated with a community/commercial bank platform.
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
$27.00
▲(35.34% 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
35.29% Insiders
14.04% Mutual Funds
0.72% Other Institutional Investors
42.23% Public Companies and
Individual Investors