USCB Financial Holdings, Inc. Class A (USCB)
NASDAQ:USCB
Want to see USCB full AI Analyst Report?
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$15.57 - $20.79
Previous CloseN/A
Volume4.61K
Average Volume (3M)24.82K
Market Cap
$331.92M
Enterprise Value$345.29M
Total Cash (Recent Filing)$82.34M
Total Debt (Recent Filing)$90.75M
Price to Earnings (P/E)9.1
Beta0.85
Next Earnings
Jul 23, 2026EPS Estimate
0.49Next Dividend Ex-DateN/A
Dividend Yield2.1%
Share Statistics
EPS (TTM)1.33
Shares Outstanding18,257,400
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 Cap1.04
Enterprise Value/Revenue2.27
Enterprise Value/Gross Profit3.91
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
Improved Leverage & Capital EfficiencyMaterial de-leveraging and rising ROE signal a stronger capital profile and better capital efficiency. Lower leverage reduces funding and solvency risk, increases capacity to absorb asset growth, and supports dividends or strategic investments without materially raising regulatory or refinancing risk.
Sustained Loan And Deposit Growth With Diversified FundingDouble-digit loan growth alongside broad deposit expansion and 30% of deposits from specialized verticals creates a durable, lower-cost funding base. This structural funding advantage supports repeatable loan origination, stable NIM potential, and reduces reliance on expensive wholesale funding over multiple quarters.
Strong Credit Quality And Allowance CoverageExceptionally low NPLs, negligible charge-offs and a meaningful allowance provide durable protection against losses and volatility. Strong underwriting and coverage preserve earnings, reduce provision volatility, and enable measured asset growth without materially increasing credit risk to the franchise.
Bears Say
2025 Revenue Dip And Margin VolatilityA revenue decline and variability in margins versus prior peak years indicate less predictable earnings power. If margins remain volatile or revenue growth stalls, the bank's ability to convert strong credit metrics into sustained ROE and cash returns could be impaired over the medium term.
Reliance On Lower-Yield Correspondent ProductionHeavy use of correspondent channels provides scale and deposits but structurally lowers blended new-loan yields. Over time, a sustained share of lower-yield originations can compress NIM and limit margin expansion unless offset by higher-yield lending or fee income diversification.
Planned Hiring And Measured Expense IncreasesOngoing hiring and a higher fixed cost base can cap improvements in operating leverage. If revenue growth decelerates or yields compress, a persistently elevated expense run rate could keep the efficiency ratio in the low-50s and limit sustainable margin and EPS upside.
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 $15.56 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 $331.92M.
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 79 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 $0.1 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 0.49.
How many shares outstanding does USCB Financial Holdings, Inc. Class A have?
USCB Financial Holdings, Inc. Class A has 18,257,400 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 -1.798%.
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
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$23.00 (15.29% Upside)
$23.00 (15.29% Upside)
Insider Transactions
Sold Shares
Worth $1.1M 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
6.12%
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
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
―
Bankwell Financial Group
―
Farmers & Merchants Bancorp
―
Ponce Financial Group Inc
―
Orange County Bancorp
―
Ownership Overview
35.04% Insiders
14.21% Mutual Funds
0.31% Other Institutional Investors
44.49% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---