USCB Financial Holdings, Inc. Class A (USCB)
NASDAQ:USCB
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USCB Financial Holdings, Inc. Class A
(NASDAQ:USCB)
Select Model
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Rating:68Neutral
Price Target:
$20.00
▲(1.63% Upside)
Action:DowngradedDate: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.
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.
Read all positive and negative factors
Positive Factors
Negative 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.
Read all positive factors
USCB Financial Holdings, Inc. Class A (USCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$359.30M
Dividend Yield2.1%
Average Volume (3M)24.82K
Price to Earnings (P/E)12.8
Beta (1Y)0.86
Revenue Growth15.45%
EPS Growth52.68%
CountryUS
Employees199
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.44
Shares Outstanding18,256,987
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 Cap1.03
Enterprise Value/Revenue2.43
Enterprise Value/Gross Profit4.18
Enterprise Value/Ebitda10.17
Forecast
1Y Price Target
$22.00Price Target Upside11.79% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.02
Revenue Forecast (FY)$109.01M
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...
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 earne...
USCB Financial Holdings, Inc. Class A Earnings Call Summary
Earnings Call Date:Jan 22, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 23, 2026
Earnings Call Sentiment Positive
Overall the quarter showed strong underlying fundamentals: solid balance sheet growth (assets, loans, deposits), improving NIM and stable credit quality. Management executed strategic actions (debt issuance, buybacks, securities repositioning) to enhance future earnings power and raised the dividend. Negative items were largely one-time or identifiable (securities sale loss $5.6M, prior-period state tax $1.1M), some quarter-end deposit volatility, and modest yield compression due to rate cuts and short-tenor correspondent production. On balance, the positives around core earnings, asset quality, capital actions and clear growth initiatives outweigh the transitory negatives.Positive Updates
Balance Sheet Growth
Total assets reached $2.8 billion, up 8.1% year-over-year; loans grew $216 million or 11% YoY; deposits increased $171 million or 7.9% YoY.
Negative Updates
One-Time Securities Loss Impact
Sale of $44.6M of lower-yielding AFS securities produced an after-tax loss of $5.6 million, reducing GAAP diluted EPS by $0.31 and lowering Q4 GAAP EPS to $0.07.
Read all updates
Q4-2025 Updates
Positive
Negative
Balance Sheet Growth
Total assets reached $2.8 billion, up 8.1% year-over-year; loans grew $216 million or 11% YoY; deposits increased $171 million or 7.9% YoY.
Read all positive updates
Company Guidance
Management's guidance emphasized margin and loan/deposit growth with an expectation that NIM will be flat to slightly up in Q1 and to improve through 2026 from the late‑Q4 securities repositioning and potential rate cuts; key metrics cited include total assets $2.8B (+8.1% YoY), loans ~$2.18B (end‑period loan growth just under 11%; loans grew $216M or 11% Y/Y; average loans +$31.9M QoQ), deposits up $171M or 7.9% Y/Y (average deposits +$314.6M YoY; average deposits -$3.9M QoQ; DDA +$26.4M QoQ and 24.3% of average deposits), portfolio yield 6.16% with new loan yields 6.43% excl. correspondent (gross Q4 production $196M with $83.5M or 43% correspondent at 5.26%), NIM 3.27% (up 13 bps QoQ, 11 bps YoY) and expected to benefit from reinvestment, securities cash flows of $68.2M in 2026 ($87.7M in a 100bp down scenario) from a $461.4M securities portfolio (67% AFS), credit strength with NPLs 0.14%, ACL $25.5M (1.16% of loans) and classified loans $6.4M (0.29% of portfolio), capital actions including $40M subordinated notes and ~2M shares repurchased at $17.19, a 25% dividend increase to $0.125/quarter, operating EPS (adjusted) $0.44 (GAAP Q4 EPS $0.07 after a $0.31/share securities loss and $0.06/share tax charge), operating ROAA 1.14%, ROAE 15.05%, operating efficiency 55.92% (adjusted 51.87% on a $13.2M expense baseline), and forward targets of high single‑digit to low double‑digit loan growth, a modeled tax rate of ~26.4%, noninterest income of $3.5M–$3.8M, and a preferred loan‑to‑deposit range of roughly 90%–95%.USCB Financial Holdings, Inc. Class A Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
77
Positive
Cash Flow
62
Positive
| 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
Positive
19.68
Price Trends
19.01
Positive
18.81
Positive
17.87
Positive
Market Momentum
0.25
Negative
61.04
Neutral
91.67
Negative
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 19.68 is above the 20-day moving average (MA) of 18.71, above the 50-day MA of 19.01, and above the 200-day MA of 17.87, indicating a bullish trend. The MACD of 0.25 indicates Negative momentum. The RSI at 61.04 is Neutral, neither overbought nor oversold. The STOCH value of 91.67 is Negative, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | $465.89M | 8.58 | 16.51% | 2.00% | 8.90% | 18.23% | |
69 Neutral | $425.89M | 11.55 | 13.03% | 4.39% | 4.47% | 49.09% | |
68 Neutral | $359.30M | 12.79 | 14.96% | 2.10% | 15.45% | 52.68% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $423.23M | 13.01 | 5.45% | ― | 16.03% | 145.10% | |
63 Neutral | $421.97M | 10.09 | 12.21% | 1.66% | 2.52% | 85.94% | |
63 Neutral | $374.36M | 10.19 | 9.33% | 3.18% | 6.52% | 36.77% |
* Financial Sector Average
USCB
USCB Financial Holdings, Inc. Class A
19.68
3.28
20.01%
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25.14
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31.65%
PDLB
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57.98%
OBT
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13.93
66.57%
USCB Financial Holdings, Inc. Class A Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
USCB Financial Restructures Portfolio Amid Lower Quarterly Earnings
Negative
Jan 22, 2026
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 a...
DividendsFinancial Disclosures
USCB Financial Raises Quarterly Dividend Reflecting Earnings Strength
Positive
Jan 20, 2026
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% increas...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.