USCB Financial Holdings, Inc. Class A (USCB) AI Stock Analysis

• Market Cap: $336.11M
• Dividend Yield: 2.1%
• Average Volume (3M): 24.82K
• Price to Earnings (P/E): 12.8
• Beta (1Y): 0.88
• Revenue Growth: 15.45%
• EPS Growth: 52.68%
• Country: US
• Employees: 199
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.44
• Shares Outstanding: 18,110,386
• 10 Day Avg. Volume: 22,306
• 30 Day Avg. Volume: 24,817
• PEG Ratio: 1.78
• Price to Book (P/B): 1.57
• Price to Sales (P/S): 2.19
• P/FCF Ratio: 7.85
• Enterprise Value/Market Cap: 1.02
• Enterprise Value/Revenue: 2.25
• Enterprise Value/Gross Profit: 3.87
• Enterprise Value/Ebitda: 9.41
• 1Y Price Target: $22.00
• Price Target Upside: 19.50% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 2.03
• Revenue Forecast (FY): $113.36M

• Rating: 68 Neutral
• Price Target: $20.00 ▲(8.64% Upside)
• Action: Downgraded Date: 03/16/26
• Date: Action: Downgraded 03/16/26

USCB scores above average mainly on solid financial performance and a constructive earnings-call outlook (improving margin, strong growth, and strong credit quality with supportive capital returns). The score is held back by weak technicals (below key moving averages with negative MACD) and some near-term financial variability (2025 revenue dip and less clear cash-flow quality in the provided dataset).

Positive Factors

Consistent loan & deposit growth

Sustained 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 NII

A 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 provisions

Extremely 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.

Negative Factors

2025 revenue dip & margin volatility

A 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 risk

Repositioning 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 risk

Material 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 Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

USCB Financial Holdings, Inc. earns money primarily through the operations of its bank subsidiary, U.S. Century Bank. The main revenue stream for a community bank like USCB is net interest income, which is the difference between (1) interest earned on interest-earning assets—primarily loans (e.g., commercial real estate, commercial and industrial, residential, and other consumer loans) and investment securities—and (2) interest paid on funding sources such as customer deposits and other borrowings. In addition to net interest income, the company generates noninterest income from fees and service charges tied to banking services, which can include deposit account and transaction-related fees, treasury management/cash management services for business clients, and other banking-related service fees. The company’s profitability is also influenced by factors such as loan growth and credit quality (which affects provisions for credit losses), the mix and cost of deposits, prevailing interest rates and the shape of the yield curve (which affect margins), and operating efficiency (noninterest expense). Specific material partnerships or uniquely significant counterparties are not available in the provided context and are therefore null.

USCB Financial Holdings, Inc. Class A Financial Statement Overview

Summary

Solid multi-year revenue expansion and steady profitability, with improved leverage and higher ROE. Offsets include the 2025 revenue dip, margin variability versus peak years, and weaker/less consistent free-cash-flow momentum and quality signals in the provided cash-flow data.

Income Statement

Revenue has scaled materially over the last several years (from ~$59M in 2020 to ~$152M in 2025), with strong growth through 2024 before a modest pullback in 2025. Profitability remains solid, with net margins holding around ~17% in both 2024 and 2025, and operating profitability improving versus 2023. The main weakness is volatility in margins versus earlier years (notably lower than 2021–2022 levels) and the negative revenue growth rate in 2025, which raises questions on near-term momentum.

Balance Sheet

Leverage has improved meaningfully: debt-to-equity fell from ~1.01x (2023) to ~0.43x (2025) as total debt declined sharply while equity stayed stable. Returns on equity are healthy and trending up (to ~12.3% in 2025 from ~8.6% in 2023), suggesting better capital efficiency. The key risk is that total assets have grown significantly over time, and while leverage metrics look better, banks remain balance-sheet intensive—continued asset growth typically requires sustained credit quality and disciplined funding.

Cash Flow

Cash generation is generally positive: operating cash flow rose to ~$42.8M in 2025 (from ~$34.1M in 2024) and free cash flow remained strong at ~$42.5M. However, free cash flow declined year over year in 2025 (negative growth), and some provided cash-flow quality indicators appear inconsistent/low in 2025 (reported coverage ratios shown as 0.0), which reduces confidence in the strength/consistency of conversion metrics based strictly on the dataset.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	152.08M	143.97M	108.42M	76.17M	63.94M
Gross Profit	88.41M	79.52M	63.60M	66.23M	59.87M
EBITDA	36.37M	33.06M	22.39M	27.77M	28.71M
Net Income	26.10M	24.67M	16.55M	20.14M	21.08M
Balance Sheet
Total Assets	2.80B	2.58B	2.34B	2.09B	1.85B
Cash, Cash Equivalents and Short-Term Investments	82.34M	294.24M	270.39M	54.17M	46.23M
Total Debt	90.75M	171.45M	194.42M	60.40M	50.19M
Total Liabilities	2.59B	2.37B	2.15B	1.90B	1.65B
Stockholders Equity	212.39M	215.39M	191.97M	182.43M	203.90M
Cash Flow
Free Cash Flow	42.50M	33.78M	22.38M	28.86M	21.42M
Operating Cash Flow	42.80M	34.09M	22.55M	29.54M	22.05M
Investing Cash Flow	-245.41M	-211.86M	-273.00M	-270.60M	-359.36M
Financing Cash Flow	164.05M	213.74M	237.35M	249.00M	335.81M

USCB Financial Holdings, Inc. Class A Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 18.41
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For USCB, the sentiment is Negative. The current price of 18.41 is below the 20-day moving average (MA) of 18.96, below the 50-day MA of 19.14, and above the 200-day MA of 17.63, indicating a neutral trend. The MACD of -0.29 indicates Positive momentum. The RSI at 42.50 is Neutral, neither overbought nor oversold. The STOCH value of 31.57 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for USCB.

USCB Financial Holdings, Inc. Class A Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OBT	72 Outperform	$418.25M	8.58	16.51%	2.00%	8.90%	18.23%
WTBA	69 Neutral	$399.80M	11.55	13.03%	4.39%	4.47%	49.09%
USCB	68 Neutral	$336.11M	12.79	14.96%	2.10%	15.45%	52.68%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BWFG	63 Neutral	$375.15M	10.09	12.21%	1.66%	2.52%	85.94%
FMAO	63 Neutral	$341.23M	10.19	9.33%	3.18%	6.52%	36.77%
PDLB	62 Neutral	$397.62M	13.01	5.45%	―	16.03%	145.10%

USCB Financial Holdings, Inc. Class A Corporate Events

USCB Financial Restructures Portfolio Amid Lower Quarterly Earnings

On January 22, 2026, USCB Financial Holdings, Inc. reported that net income for the fourth quarter of 2025 fell to $1.4 million, or $0.07 per fully diluted share, from $6.9 million, or $0.34 per share, a year earlier, largely due to a previously announced portfolio restructuring and a non-routine tax liability from prior periods. The restructuring involved selling $44.6 million of lower-yielding available-for-sale securities at a pre-tax loss of $7.5 million and reinvesting proceeds into loans, depressing GAAP earnings but leaving operating diluted EPS at $0.44, in line with the prior quarter and supporting higher operating returns on assets and equity. Despite the hit to reported earnings, the bank posted 11.0% year-over-year loan growth to $2.2 billion, 7.9% deposit growth to $2.3 billion, improved net interest margin to 3.27%, and stable asset quality metrics, while maintaining strong regulatory capital ratios and increasing tangible book value per share by 10.8%. The board also declared a quarterly cash dividend of $0.125 per Class A share, payable March 5, 2026, underscoring management’s message that the one-time earnings drag reflects strategic positioning for enhanced profitability rather than underlying weakness in the franchise.

The most recent analyst rating on (USCB) stock is a Buy with a $21.50 price target. To see the full list of analyst forecasts on USCB Financial Holdings, Inc. Class A stock, see the USCB Stock Forecast page.

USCB Financial Raises Quarterly Dividend Reflecting Earnings Strength

On January 20, 2026, USCB Financial Holdings, Inc., the holding company for U.S. Century Bank, announced that its board of directors declared a regular quarterly cash dividend of $0.125 per share of Class A common stock, representing a 25% increase from the prior $0.10 dividend, reflecting the company’s strong operating earnings. The dividend will be paid on March 5, 2026, to shareholders of record as of the close of business on February 17, 2026, underscoring the bank’s improved capital returns to investors and signaling confidence in its current financial performance and ongoing operations.

The most recent analyst rating on (USCB) stock is a Buy with a $23.00 price target. To see the full list of analyst forecasts on USCB Financial Holdings, Inc. Class A stock, see the USCB Stock Forecast page.