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

• Market Cap: $347.36M
• Dividend Yield: 2.02%
• Average Volume (3M): 19.90K
• Price to Earnings (P/E): 11.8
• Beta (1Y): 1.05
• Revenue Growth: 19.67%
• EPS Growth: 68.34%
• Country: US
• Employees: 199
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 0.40
• Shares Outstanding: 20,078,384
• 10 Day Avg. Volume: 18,643
• 30 Day Avg. Volume: 19,900
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.27
• Enterprise Value/Revenue: 2.98
• Enterprise Value/Gross Profit: 5.24
• Enterprise Value/Ebitda: 11.91
• 1Y Price Target: $20.88
• Price Target Upside: 20.42% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4

• Rating: 79 Outperform
• Price Target: $20.50 ▲(18.22% Upside)

USCB Financial Holdings receives a strong overall score due to its robust financial performance, positive technical indicators, and optimistic earnings call guidance. The company's fair valuation and modest dividend yield further support its investment appeal. While operational efficiency and leverage management present areas for improvement, the overall outlook is positive, driven by strategic growth initiatives and a solid market position.

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. 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: 17.34
• 50DMA: Positive
• 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 Positive. The current price of 17.34 is above the 20-day moving average (MA) of 16.81, above the 50-day MA of 16.84, and below the 200-day MA of 17.67, indicating a neutral trend. The MACD of 0.13 indicates Negative momentum. The RSI at 53.46 is Neutral, neither overbought nor oversold. The STOCH value of 54.23 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
USCB	79 Outperform	$347.36M	11.76	13.71%	2.02%	19.67%	68.34%
HBCP	79 Outperform	$439.67M	10.77	10.55%	1.92%	8.03%	15.18%
BSVN	75 Outperform	$467.35M	10.64	20.97%	1.93%	-2.96%	37.09%
BSRR	75 Outperform	$418.58M	10.52	11.53%	3.20%	0.85%	18.21%
BWB	74 Outperform	$450.16M	13.50	8.31%	―	12.19%	12.88%
RRBI	72 Outperform	$434.65M	11.48	12.02%	0.63%	9.09%	23.58%
Sector *	68 Neutral	$17.84B	12.03	10.32%	3.73%	9.70%	0.76%

USCB Financial Holdings, Inc. Class A Corporate Events

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.

USCB Financial Highlights Q2 2025 Performance and Strategy

USCB Financial Holdings, Inc. has released an investor presentation for the second quarter of 2025, highlighting its strategic focus and financial performance. The presentation outlines the company’s growth strategy, financial metrics, and market positioning in the vibrant South Florida economy. It emphasizes the bank’s relationship-driven approach and its commitment to serving small and medium-sized businesses. The presentation also discusses the economic landscape of Florida, noting its strong business environment and demographic growth, which are favorable for the bank’s operations.

USCB Financial Reports Record Q2 2025 Earnings

USCB Financial Holdings, Inc. reported a record net income of $8.1 million for Q2 2025, with a fully diluted EPS of $0.40, marking an increase from $6.2 million in the same quarter of 2024. The company saw improvements in profitability ratios, with a net interest margin of 3.28% and a return on average equity of 14.29%. Total assets, loans, and deposits all showed significant growth compared to the previous year, reflecting strong operational performance and strategic capital management. The company declared a quarterly cash dividend of $0.10 per share, emphasizing its commitment to delivering long-term shareholder value.

USCB Financial Announces Quarterly Dividend for Class A

On July 21, 2025, USCB Financial Holdings, Inc. announced a quarterly cash dividend of $0.10 per share for its Class A common stock, payable on September 5, 2025, to shareholders recorded by August 15, 2025. This decision reflects the company’s ongoing commitment to shareholder returns, with future dividends subject to board approval.