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

• Market Cap: $353.16M
• Dividend Yield: 1.4%
• Average Volume (3M): 16.76K
• Price to Earnings (P/E): 14.4
• Beta (1Y): 1.03
• Revenue Growth: 32.79%
• EPS Growth: 48.96%
• Country: US
• Employees: 196
• Sector: Financial
• Sector Strength: 77
• Industry: Banking
• EPS (TTM): 1.24
• Shares Outstanding: 19,840,631
• 10 Day Avg. Volume: 14,032
• 30 Day Avg. Volume: 16,757
• PEG Ratio: 0.29
• Price to Book (P/B): N/A
• Price to Sales (P/S): 4.75
• Price to Cash Flow (P/CF): 7.90
• P/FCF Ratio: 3.90
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $23.50
• Price Target Upside: 32.02% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

USCB Financial Holdings, Inc. demonstrates a solid financial position with robust revenue growth and cash flow management, although operational costs have increased. Technical indicators support a positive trend, complemented by a strong earnings call highlighting substantial income growth and increased dividends. Valuation appears reasonable with a fair P/E ratio and recent dividend enhancement, balancing the overall score.

USCB Financial Holdings, Inc. Class A Business Overview & Revenue Model

Company Description

U.S. Century Bank is a community bank. Through its network of branches and its online banking platform, it offers customers a wide range of financial products and services.

How the Company Makes Money

USCB Financial Holdings, Inc. generates revenue through various streams within the banking and financial services industry. The company earns interest income from loans and mortgages offered to individuals and businesses. Additionally, it generates non-interest revenue through fees associated with account maintenance, transaction services, and wealth management advisory. USCB may also benefit from strategic partnerships with other financial institutions and service providers, enhancing its product offerings and expanding its customer base. The company's earnings are influenced by factors such as interest rate fluctuations, economic conditions, and regulatory changes affecting the financial services sector.

USCB Financial Holdings, Inc. Class A Financial Statement Overview

Summary

USCB Financial Holdings, Inc. exhibits strong revenue growth and effective cash flow management, as evidenced by an 88.7% revenue increase and an 87.6% free cash flow growth rate. However, increased operational expenses have impacted profitability, reducing the EBIT margin from 48.3% to 23.5%.

Income Statement

USCB Financial Holdings, Inc. shows a robust income statement characterized by a strong gross profit margin and consistent revenue growth. The TTM (Trailing-Twelve-Months) gross profit margin is 125.8%, indicating efficient cost management. The net profit margin is also healthy at 17.1%. Notably, the revenue growth rate from the previous year is an impressive 88.7%, driven by increased total revenue from $63.6 million to $120 million. However, the EBIT margin has decreased from 48.3% to 23.5%, suggesting increased operational expenses impacting profitability.

Balance Sheet

The balance sheet is stable with a debt-to-equity ratio of 0.6, showing moderate leverage. The return on equity (ROE) is 9.6%, reflecting moderate profitability on shareholder investments. The equity ratio stands at 8.5%, indicating a lower proportion of equity financing compared to total assets. A significant increase in total liabilities over the period poses a potential risk, although the increase in stockholders' equity is a positive sign.

Cash Flow

USCB's cash flow statement is strong, with a free cash flow growth rate of 87.6% from the prior period. The operating cash flow to net income ratio is 1.5, indicating effective conversion of income to cash. The free cash flow to net income ratio is 2.0, suggesting efficient cash generation beyond net income. These metrics highlight a strong cash position, crucial for future investments and debt servicing.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
120.03M	63.60M	68.73M	60.69M	49.69M	44.75M
	Gross Profit
150.93M	108.42M	68.73M	60.69M	49.69M	44.75M
	EBIT
28.20M	30.76M	34.52M	27.68M	13.41M	14.10M
	EBITDA
9.16M	22.39M	27.77M	28.71M	14.68M	-337.00K
	Net Income Common Stockholders
20.49M	16.55M	20.14M	21.08M	10.82M	10.39M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
0.00	41.06M	54.17M	46.23M	47.73M	35.74M
	Total Assets
0.00	2.34B	2.09B	1.85B	1.50B	1.31B
	Total Debt
0.00	194.42M	60.40M	50.19M	50.51M	41.00M
	Net Debt
0.00	153.36M	6.23M	3.96M	2.78M	5.26M
	Total Liabilities
0.00	2.15B	1.90B	1.65B	1.33B	1.15B
	Stockholders Equity
160.28M	191.97M	182.43M	203.90M	171.00M	160.28M
Cash Flow		Free Cash Flow
41.98M	22.38M	28.86M	21.42M	12.76M	13.46M
	Operating Cash Flow
31.16M	22.55M	29.54M	22.05M	13.10M	14.34M
	Investing Cash Flow
-236.84M	-273.00M	-270.60M	-359.36M	-178.78M	-127.08M
	Financing Cash Flow
217.57M	237.35M	249.00M	335.81M	177.67M	123.14M

USCB Financial Holdings, Inc. Class A Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 17.80
• 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 17.8 is below the 20-day moving average (MA) of 18.80, below the 50-day MA of 18.50, and above the 200-day MA of 15.98, indicating a neutral trend. The MACD of -0.23 indicates Positive momentum. The RSI at 37.97 is Neutral, neither overbought nor oversold. The STOCH value of 35.64 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
USCB	79 Outperform	$353.16M	14.36	12.11%	1.40%	32.79%	48.96%
HOMB	76 Outperform	$5.50B	14.04	10.38%	2.71%	8.83%	3.77%
SFBS	73 Outperform	$4.51B	20.53	14.87%	1.49%	16.28%	9.61%
FFBC	69 Neutral	$2.32B	10.28	9.72%	3.81%	9.95%	-11.02%
SFNC	65 Neutral	$2.48B	16.48	4.39%	4.21%	6.86%	-12.06%
Sector *	64 Neutral	$13.80B	10.64	9.23%	4.22%	17.66%	-7.66%
FBMS	56 Neutral	$1.03B	13.59	7.90%	3.01%	9.99%	1.88%

USCB Financial Holdings, Inc. Class A Corporate Events

USCB Financial Highlights Q4 2024 Performance and Strategy

USCB Financial Holdings, Inc. recently filed an investor presentation for its fourth quarter of 2024, highlighting its performance and strategic focus. The bank operates in Florida’s vibrant economy, benefiting from the state’s favorable business climate, low unemployment, and significant small business presence. The presentation reaffirms USCB’s commitment to relationship-focused banking and its strategic growth within the South Florida market, emphasizing its role in supporting local businesses and the potential implications of economic conditions on its operations.

USCB Financial Holdings Reports Strong Q4 2024 Results

On January 23, 2025, USCB Financial Holdings, Inc. reported a net income of $6.9 million or $0.34 per fully diluted share for Q4 2024, significantly higher than the $2.7 million or $0.14 per share earned in the same quarter of 2023. The company also announced a doubling of its quarterly dividend to $0.10 per share. The strong financial performance, driven by reduced deposit costs and expanded net interest margin, led to an annualized return on average assets of 1.08% and return on average equity of 12.73%. Despite higher non-interest expenses due to non-routine items, the company maintained profitability and increased its total assets to $2.6 billion. The company remains focused on driving sustainable performance and delivering shareholder value in 2025.

USCB Financial Holdings Doubles Quarterly Dividend

On January 21, 2025, USCB Financial Holdings, Inc. announced an increase in its quarterly cash dividend to $0.10 per share of Class A common stock, doubling the previous dividend of $0.05. The dividend is payable on March 5, 2025, to shareholders recorded by February 14, 2025, reflecting a strategic enhancement in shareholder returns.

USCB Financial Holdings Highlights Growth and Opportunities

USCB Financial Holdings, Inc., the parent company of U.S. Century Bank, is showcasing its investor presentation detailing growth strategies and financial performance. The bank, headquartered in South Florida, focuses on servicing small to medium-sized businesses with a robust portfolio of loans and deposit products. Operating in a vibrant economic hub, USCB is poised for growth, leveraging Florida’s business-friendly climate and diverse economy. The presentation highlights forward-looking statements about potential risks and opportunities, inviting investors to explore this dynamic financial entity.