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

• Market Cap: $350.57M
• Dividend Yield: 2%
• Average Volume (3M): 24.82K
• Price to Earnings (P/E): 11.5
• Beta (1Y): 1.03
• Revenue Growth: 15.45%
• EPS Growth: 52.68%
• Country: US
• Employees: 199
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.45
• Shares Outstanding: 20,078,384
• 10 Day Avg. Volume: 22,306
• 30 Day Avg. Volume: 24,817
• PEG Ratio: 0.29
• Price to Book (P/B): 1.62
• Price to Sales (P/S): 2.43
• P/FCF Ratio: 10.34
• Enterprise Value/Market Cap: 1.26
• Enterprise Value/Revenue: 2.91
• Enterprise Value/Gross Profit: 5.02
• Enterprise Value/Ebitda: 11.14
• 1Y Price Target: $22.00
• Price Target Upside: 27.91% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

• Rating: 77 Outperform
• Price Target: $19.50 ▲(13.37% Upside)

USCB Financial Holdings receives a strong overall score driven by robust financial performance and positive earnings call highlights. The stock is attractively valued, making it appealing for value investors. Technical indicators are neutral, suggesting stability in the short term.

Positive Factors

Revenue Growth

Consistent revenue growth indicates a stable demand for USCB's financial services, reflecting effective business strategies and market presence.

Asset and Deposit Growth

Strong asset and deposit growth enhances USCB's capacity to generate interest income, supporting long-term financial stability and expansion.

Credit Quality

Exceptional credit quality reduces risk and enhances profitability, ensuring the company can maintain its lending activities with minimal losses.

Negative Factors

Loan Yield Pressure

Decreasing loan yields can pressure net interest margins, potentially impacting profitability if not offset by volume growth or cost management.

Higher Deposit Costs

Rising deposit costs can erode net interest margins, challenging profitability unless offset by higher lending rates or operational efficiencies.

Loan Growth Slowdown

A slowdown in loan growth can limit revenue expansion, necessitating strategic adjustments to maintain growth momentum and market competitiveness.

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

Company Description

USCB Financial Holdings, Inc. Class A (USCB) is a financial services holding company based in the United States, primarily engaged in providing a range of banking and financial solutions. The company operates through its subsidiary, offering services such as commercial banking, lending, and investment solutions to both individual and corporate clients. USCB is focused on delivering tailored financial products that meet the diverse needs of its customers while maintaining a commitment to community engagement and economic development.

How the Company Makes Money

USCB Financial Holdings generates revenue primarily through interest income from loans and advances made to customers, as well as fees associated with various banking services. Key revenue streams include interest from commercial loans, mortgages, and lines of credit, alongside service fees from deposit accounts, transaction processing, and wealth management services. The company may also benefit from partnerships with other financial institutions, allowing it to expand its service offerings and customer base. Additionally, market conditions, customer demand for financial products, and effective management of its lending portfolio significantly contribute to its overall earnings.

USCB Financial Holdings, Inc. Class A Financial Statement Overview

Summary

USCB Financial Holdings shows strong financial performance with consistent revenue growth and profitability. The balance sheet is healthy with manageable leverage and strong return on equity. Cash flow generation is robust, though there is room for improvement in converting operating income into cash.

Income Statement

USCB Financial Holdings has demonstrated consistent revenue growth with a TTM revenue growth rate of 2.49%. The company maintains strong profitability with a gross profit margin of 57.95% and a net profit margin of 19.51% in the TTM period. EBIT and EBITDA margins are also healthy at 25.72% and 26.02%, respectively, indicating efficient operations. However, the gross profit margin has slightly decreased from previous years, which could be a point of concern if the trend continues.

Balance Sheet

The balance sheet shows a moderate debt-to-equity ratio of 0.50 in the TTM period, reflecting a manageable level of leverage. Return on equity is strong at 13.39%, indicating effective use of equity to generate profits. However, the equity ratio is not explicitly calculated, but the company's leverage has increased compared to previous years, which could pose a risk if not managed properly.

Cash Flow

Cash flow analysis reveals a robust free cash flow growth rate of 61.7% in the TTM period, indicating strong cash generation capabilities. The operating cash flow to net income ratio is low at 0.017, suggesting potential issues in converting income into cash. However, the free cash flow to net income ratio is high at 0.99, showing that most of the net income is being converted into free cash flow, which is a positive sign.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	152.01M	143.97M	108.42M	76.17M	63.94M	58.73M
Gross Profit	88.09M	79.52M	63.60M	66.23M	59.87M	46.44M
EBITDA	39.70M	33.06M	22.39M	27.77M	28.71M	14.68M
Net Income	29.65M	24.67M	16.55M	20.14M	21.08M	10.82M
Balance Sheet
Total Assets	2.72B	2.58B	2.34B	2.09B	1.85B	1.50B
Cash, Cash Equivalents and Short-Term Investments	54.82M	294.24M	270.39M	54.17M	46.23M	47.73M
Total Debt	115.05M	171.45M	194.42M	60.40M	50.19M	50.51M
Total Liabilities	2.49B	2.37B	2.15B	1.90B	1.65B	1.33B
Stockholders Equity	231.58M	215.39M	191.97M	182.43M	203.90M	171.00M
Cash Flow
Free Cash Flow	40.60M	33.78M	22.38M	28.86M	21.42M	12.76M
Operating Cash Flow	40.84M	34.09M	22.55M	29.54M	22.05M	13.10M
Investing Cash Flow	-283.34M	-211.86M	-273.00M	-270.60M	-359.36M	-178.78M
Financing Cash Flow	220.06M	213.74M	237.35M	249.00M	335.81M	177.67M

USCB Financial Holdings, Inc. Class A Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 17.20
• 50DMA: Negative
• 100DMA: Positive
• 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 Neutral. The current price of 17.2 is above the 20-day moving average (MA) of 17.16, below the 50-day MA of 17.25, and below the 200-day MA of 17.36, indicating a neutral trend. The MACD of 0.03 indicates Negative momentum. The RSI at 49.75 is Neutral, neither overbought nor oversold. The STOCH value of 66.40 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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	―	$350.57M	11.53	14.96%	2.00%	15.45%	52.68%
WTBA	―	$361.18M	11.40	13.14%	5.04%	4.47%	49.09%
BWFG	―	$340.68M	11.93	10.08%	1.82%	2.52%	86.70%
OBT	―	$329.80M	9.65	15.69%	2.17%	6.60%	-16.86%
FMAO	―	$324.85M	10.01	9.01%	3.77%	6.52%	36.77%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PDLB	―	$338.66M	15.89	4.16%	―	16.03%	145.10%

USCB Financial Holdings, Inc. Class A Corporate Events

USCB Financial Holdings Reports Record Earnings and Growth

The recent earnings call of USCB Financial Holdings, Inc. Class A revealed a strong financial performance, characterized by record earnings and substantial asset and deposit growth. Despite facing challenges such as loan yield pressure and a temporary slowdown in loan growth, the overall sentiment was positive, with strategic capital management and improvements in efficiency metrics being highlighted.

USCB Financial Holdings Reports Record Q3 2025 EPS

USCB Financial Holdings, Inc. reported a record fully diluted EPS of $0.45 for Q3 2025, with net income increasing to $8.9 million from $6.9 million in the same period in 2024. The company demonstrated strong financial performance with improved profitability ratios, including a return on average assets of 1.27% and a return on average equity of 15.74%. Additionally, the company successfully issued $40 million in subordinated notes and repurchased 2 million shares of Class A common stock, enhancing its capital structure and shareholder value.

The most recent analyst rating on (USCB) stock is a Buy with a $20.00 price target. To see the full list of analyst forecasts on USCB Financial Holdings, Inc. Class A stock, see the USCB Stock Forecast page.

USCB Financial Announces Quarterly Dividend for Class A

On October 20, 2025, USCB Financial Holdings, Inc. announced a quarterly cash dividend of $0.10 per share for its Class A common stock, payable on December 5, 2025, to shareholders recorded by November 14, 2025. This decision reflects the company’s ongoing commitment to providing shareholder value and underscores its stable financial position within the community banking sector.

The most recent analyst rating on (USCB) stock is a Buy with a $19.00 price target. To see the full list of analyst forecasts on USCB Financial Holdings, Inc. Class A stock, see the USCB Stock Forecast page.

USCB Financial Holdings Announces Stock Repurchase Agreement

On September 2, 2025, USCB Financial Holdings, Inc. entered into stock repurchase agreements with certain institutional shareholders, including Patriot Financial Partners II, L.P. The agreements involve the repurchase of 2 million shares of Class A Voting Common Stock at a price of $17.19 per share, reflecting a 1% discount to the 10-day volume weighted average price. The transactions, approved by the disinterested members of the Board, are expected to be completed by September 5, 2025, and are supplemental to the company’s existing stock repurchase programs.

The most recent analyst rating on (USCB) stock is a Buy with a $20.00 price target. To see the full list of analyst forecasts on USCB Financial Holdings, Inc. Class A stock, see the USCB Stock Forecast page.

USCB Financial Holdings Issues $40M Subordinated Notes

On August 14, 2025, USCB Financial Holdings, Inc. entered into a Subordinated Note Purchase Agreement with institutional buyers, issuing $40 million of 7.625% Fixed-to-Floating Rate Subordinated Notes due 2035. The proceeds from this private placement will be used for general corporate purposes, including potential balance sheet and capital optimization. The notes, which qualify as Tier 2 capital, have a fixed interest rate until 2030, after which it will reset quarterly. The company has also entered into a Registration Rights Agreement to facilitate an exchange offer for registered notes.

The most recent analyst rating on (USCB) stock is a Buy with a $20.00 price target. To see the full list of analyst forecasts on USCB Financial Holdings, Inc. Class A stock, see the USCB Stock Forecast page.

USCB Financial Holdings Reports Record Earnings and Growth

The recent earnings call for USCB Financial Holdings, Inc. Class A was marked by a predominantly positive sentiment, underscoring the company’s record profitability and robust growth in loans and deposits. The call highlighted strategic initiatives that have significantly bolstered financial performance, with only minor concerns regarding noninterest income and the impact of legacy low-yield securities. Overall, the outlook shared during the call was optimistic, reflecting the company’s strong position in the financial market.

USCB Financial Holdings Reports Record Q2 2025 Earnings

USCB Financial Holdings, Inc. is a bank holding company for U.S. Century Bank, one of the largest community banks in Miami and Florida, offering a wide range of financial products and services. In its latest earnings report, USCB Financial Holdings, Inc. announced a record fully diluted EPS of $0.40 for the second quarter of 2025, with net income rising to $8.1 million from $6.2 million in the same period last year. The company highlighted a strong net interest margin of 3.28%, driven by healthy loan growth and disciplined deposit pricing.