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

• Market Cap: $343.03M
• Dividend Yield: 2.34%
• Average Volume (3M): 24.33K
• Price to Earnings (P/E): 12.4
• Beta (1Y): 1.00
• Revenue Growth: 26.42%
• EPS Growth: 78.75%
• Country: US
• Employees: 199
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Regional
• EPS (TTM): 0.38
• Shares Outstanding: 20,048,386
• 10 Day Avg. Volume: 24,267
• 30 Day Avg. Volume: 24,328
• PEG Ratio: 1.03
• Price to Book (P/B): 1.52
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.49
• Enterprise Value/Market Cap: 1.05
• Enterprise Value/Revenue: 0.65
• Enterprise Value/Gross Profit: 4.27
• Enterprise Value/Ebitda: 2.98
• 1Y Price Target: $22.50
• Price Target Upside: 31.50% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 73 Outperform
• Price Target: $18.50 ▲(8.12%Upside)

USCB Financial Holdings shows strong financial performance and promising earnings call results, supporting its growth potential. Despite mixed technical analysis indicators and some concerns over net interest margins, the stock's valuation and dividend yield contribute positively to its attractiveness.

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

Company Description

USCB Financial Holdings, Inc. Class A (USCB) is a financial holding company that operates primarily in the banking sector. It provides a comprehensive range of financial services, including personal and commercial banking, wealth management, and mortgage services. The company is committed to delivering high-quality customer service and comprehensive financial solutions to its clients.

How the Company Makes Money

USCB Financial Holdings, Inc. generates revenue through various streams, primarily from interest income earned on loans and advances made to customers. The company also earns fees and commissions from providing wealth management services, transaction processing, and other financial services. Additionally, USCB benefits from interest earned on investments and securities. Strategic partnerships with other financial institutions and businesses can also contribute to its revenue by expanding its service offerings and customer base.

USCB Financial Holdings, Inc. Class A Financial Statement Overview

Summary

USCB Financial Holdings demonstrates strong financial health with consistent revenue growth and profitability. The balance sheet reflects prudent financial management, and cash flow remains robust, supporting ongoing investments. While there are areas for improvement in operational efficiency, the overall financial position is favorable.

Income Statement

USCB Financial Holdings has shown consistent revenue growth over recent years, with a strong revenue increase from $108.42M in 2023 to $148.316M in TTM 2025. The gross profit margin has remained robust, indicating efficient cost management. Net profit margins have improved, reflecting enhanced profitability. However, the EBIT margin has slightly decreased from previous years, suggesting potential room for operational efficiency improvements.

Balance Sheet

The company's balance sheet reflects prudent financial management with a reasonable equity ratio, indicating a stable asset base. The debt-to-equity ratio remains manageable, providing financial flexibility. However, an increase in total debt in recent periods may warrant careful monitoring of leverage levels to maintain financial stability.

Cash Flow

Cash flow analysis reveals a positive trajectory in free cash flow growth, supporting operational and strategic initiatives. The operating cash flow consistently exceeds net income, highlighting strong cash conversion efficiency. However, investing cash flow remains negative due to substantial investments, which could impact short-term liquidity if not carefully managed.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	143.97M	108.42M	76.17M	63.94M	58.73M
Gross Profit	79.52M	63.60M	66.23M	59.87M	46.44M
EBITDA	33.06M	22.39M	27.77M	28.71M	14.68M
Net Income	24.67M	16.55M	20.14M	21.08M	10.82M
Balance Sheet
Total Assets	2.58B	2.34B	2.09B	1.85B	1.50B
Cash, Cash Equivalents and Short-Term Investments	294.24M	270.39M	54.17M	46.23M	47.73M
Total Debt	171.45M	194.42M	60.40M	50.19M	50.51M
Total Liabilities	2.37B	2.15B	1.90B	1.65B	1.33B
Stockholders Equity	215.39M	191.97M	182.43M	203.90M	171.00M
Cash Flow
Free Cash Flow	33.78M	22.38M	28.86M	21.42M	12.76M
Operating Cash Flow	34.09M	22.55M	29.54M	22.05M	13.10M
Investing Cash Flow	-211.86M	-273.00M	-270.60M	-359.36M	-178.78M
Financing Cash Flow	213.74M	237.35M	249.00M	335.81M	177.67M

USCB Financial Holdings, Inc. Class A Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 17.11
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For USCB, the sentiment is Positive. The current price of 17.11 is above the 20-day moving average (MA) of 16.52, above the 50-day MA of 16.67, and below the 200-day MA of 17.40, indicating a neutral trend. The MACD of 0.16 indicates Negative momentum. The RSI at 58.51 is Neutral, neither overbought nor oversold. The STOCH value of 45.50 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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
HBCP	78 Outperform	$431.49M	11.59	9.85%	1.90%	9.82%	0.91%
RRBI	78 Outperform	$428.13M	12.05	11.51%	0.75%	10.47%	13.63%
BSRR	77 Outperform	$439.58M	11.23	11.58%	3.14%	1.99%	17.65%
BSVN	75 Outperform	$425.59M	9.55	22.26%	2.07%	1.20%	46.86%
USCB	73 Outperform	$343.03M	12.36	13.20%	2.34%	26.42%	78.75%
BWB	73 Outperform	$453.41M	14.67	7.67%	―	10.63%	-3.35%
Sector *	67 Neutral	$16.86B	11.82	9.77%	3.72%	12.02%	-8.27%

USCB Financial Holdings, Inc. Class A Corporate Events

USCB Financial Holdings Reports Record Q1 2025 EPS

USCB Financial Holdings, Inc. reported a record fully diluted EPS of $0.38 for Q1 2025, marking a 65% increase from the same period in 2024. The company’s net income rose to $7.7 million, driven by strategic priorities such as loan and deposit growth and strong cost controls. The bank’s return on average assets was 1.19%, the highest since Q4 2021, and its return on average stockholders’ equity increased to 14.15%. Total assets, loans, and deposits saw significant growth, while the efficiency ratio improved to 52.79%. The company declared a quarterly cash dividend of $0.10 per share, reflecting its robust financial health and strategic positioning in the challenging market environment.

USCB Financial Announces Quarterly Cash Dividend

On April 21, 2025, USCB Financial Holdings, Inc. announced a quarterly cash dividend of $0.10 per share for its Class A common stock, payable on June 5, 2025, to shareholders of record as of May 15, 2025. This announcement reflects the company’s ongoing commitment to providing returns to its shareholders, with future dividends subject to quarterly review and approval by the Board of Directors.