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USCB Financial Holdings, Inc. Class A
(NASDAQ:USCB)
Select Model
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Rating:77Outperform
Price Target:
$26.00
▲(30.33% Upside)
Action:Reiterated
Date:07/29/26
USCB scores well primarily due to solid financial performance (strong cash generation and improved leverage/ROE) and a positive earnings call supported by margin expansion, efficiency, and pristine credit metrics. The score is tempered by the TTM revenue decline and only moderate valuation support, while technicals are constructive but lack momentum-indicator confirmation.
Positive Factors
Strong cash generation
FCF roughly matches net income (free cash flow to net income ~0.99) and is positive across periods, indicating high earnings quality. Durable cash generation supports internal funding for loan growth, dividends and capital accretion, lowering reliance on external financing over the medium term.
Negative Factors
TTM revenue decline
TTM revenue fell ~7.6% versus prior years of growth, signaling weakening top-line momentum. Persistent revenue contractions can erode operating leverage, limit reinvestment capacity and make earnings more sensitive to margin pressure, challenging sustainable EPS progress absent new product or geographic expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong cash generation
FCF roughly matches net income (free cash flow to net income ~0.99) and is positive across periods, indicating high earnings quality. Durable cash generation supports internal funding for loan growth, dividends and capital accretion, lowering reliance on external financing over the medium term.
Read all positive factors
USCB Financial Holdings, Inc. Class A (USCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$401.26M
Dividend Yield2.05%
Average Volume (3M)24.82K
Price to Earnings (P/E)14.3
Beta (1Y)0.82
Revenue Growth4.72%
EPS Growth3.36%
CountryUS
Employees205
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.46
Shares Outstanding18,263,900
10 Day Avg. Volume22,306
30 Day Avg. Volume24,817
Financial Highlights & Ratios
PEG Ratio1.91
Price to Book (P/B)1.57
Price to Sales (P/S)2.19
P/FCF Ratio7.85
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$25.50Price Target Upside27.82% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.06
Revenue Forecast (FY)$111.75M
USCB Financial Holdings, Inc. Class A Business Overview & Revenue Model
Company Description
USCB Financial Holdings, Inc. (USCB) is a bank holding company for U.S. Century Bank, a Florida-based commercial bank that provides banking products and services to individuals and businesses. The company operates in the financial services sector ...
How the Company Makes Money
USCB Financial Holdings primarily makes money through its banking subsidiary by earning (1) net interest income and (2) noninterest income. Net interest income is generated from the spread between interest earned on interest-earning assets—primari...
USCB Financial Holdings, Inc. Class A Earnings Call Summary
Earnings Call Date:Jul 23, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Oct 22, 2026
Earnings Call Sentiment Positive
The call highlighted multiple strong operating and financial achievements: crossing the $3 billion asset milestone, record loan production ($272M), margin expansion to 3.49%, solid deposit quality improvements, improving efficiency ratio under 50%, and exceptionally strong credit metrics (NPLs ~9 bps, net charge-offs ~5 bps). Lowlights were present but manageable: a modest provision ($1.3M) that reduced near-term earnings, normalization of swap fees and lower noninterest income versus Q1, deliberate exit of expensive deposits replaced by FHLB/wholesale funding, some expense and tax pressures, and an AOCI drag on tangible book value. Overall, the positive drivers (growth, margin expansion, efficiency and pristine credit) materially outweigh the challenges, which management is addressing through funding optimization and targeted initiatives.Positive Updates
Surpassed $3 Billion in Total Assets and Strong Balance Sheet Growth
Total assets exceeded $3.0 billion (milestone quarter), up ~11% year-over-year. Loans grew to $2.3 billion, up ~9.9% year-over-year. Record new loan production of $272 million in the quarter (June accounted for $116 million or 42.6% of production).
Negative Updates
Provision Expense Impacted Current Quarter Earnings
Recorded provision for credit losses of $1.3 million driven by portfolio growth; provision recognized upfront weighed on Q2 earnings although management expects earnings benefit to materialize in subsequent quarters.
Read all updates
Q2-2026 Updates
Positive
Negative
Surpassed $3 Billion in Total Assets and Strong Balance Sheet Growth
Total assets exceeded $3.0 billion (milestone quarter), up ~11% year-over-year. Loans grew to $2.3 billion, up ~9.9% year-over-year. Record new loan production of $272 million in the quarter (June accounted for $116 million or 42.6% of production).
Read all positive updates
Company Guidance
Guidance from the call emphasized continued balance‑sheet growth and margin maintenance: management reiterated high‑single‑digit to low‑double‑digit net loan growth for H2 2026 (after a record $272M of new production this quarter and an expected more-normal $175–$190M run rate), a near‑term NIM range of 3.40%–3.50% (Q2 NIM 3.49%), and an efficiency ratio to remain in the low‑50% area (Q2 was 49.97%) while expenses rise at a measured pace; they project a full‑year tax rate of ~25% (YTD 24%), expect continued capital accretion with total risk‑based capital at 13.88% and tangible book of $12.64, and will focus on growing low‑cost core deposits (avg deposits ~$2.5B, avg noninterest DDA >$600M) while managing funding costs and loan seasoning (portfolio yield ~6.20%, new correspondent loan yield ~5.22%, excl. correspondent ~6.20%).USCB Financial Holdings, Inc. Class A Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
78
Positive
Cash Flow
80
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 140.58M | 152.08M | 143.97M | 108.42M | 76.17M | 63.94M |
| Gross Profit | 91.65M | 88.41M | 79.52M | 63.60M | 66.23M | 59.87M |
| EBITDA | 38.14M | 36.37M | 33.06M | 22.39M | 27.77M | 28.71M |
| Net Income | 27.79M | 26.10M | 24.67M | 16.55M | 20.14M | 21.08M |
Balance Sheet | ||||||
| Total Assets | 2.85B | 2.80B | 2.58B | 2.34B | 2.09B | 1.85B |
| Cash, Cash Equivalents and Short-Term Investments | 356.12M | 82.34M | 294.24M | 270.39M | 54.17M | 46.23M |
| Total Debt | 92.34M | 90.75M | 171.45M | 194.42M | 60.40M | 50.19M |
| Total Liabilities | 2.62B | 2.59B | 2.37B | 2.15B | 1.90B | 1.65B |
| Stockholders Equity | 223.25M | 212.39M | 215.39M | 191.97M | 182.43M | 203.90M |
Cash Flow | ||||||
| Free Cash Flow | 42.88M | 42.50M | 33.78M | 22.38M | 28.86M | 21.42M |
| Operating Cash Flow | 43.45M | 42.80M | 34.09M | 22.55M | 29.54M | 22.05M |
| Investing Cash Flow | -188.20M | -245.41M | -211.86M | -273.00M | -270.60M | -359.36M |
| Financing Cash Flow | 125.73M | 164.05M | 213.74M | 237.35M | 249.00M | 335.81M |
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 |
|---|---|---|---|---|---|---|---|
79 Outperform | $543.37M | 12.55 | 13.95% | 1.29% | 9.03% | 108.77% | |
77 Outperform | $401.26M | 14.31 | 13.11% | 2.10% | 4.72% | 3.36% | |
75 Outperform | $459.47M | 11.46 | 10.72% | 2.96% | 6.49% | 35.88% | |
75 Outperform | $512.85M | 10.77 | 16.44% | 1.78% | 6.51% | 38.77% | |
71 Outperform | $478.08M | 12.41 | 14.31% | 3.67% | 0.14% | 32.11% | |
68 Neutral | $488.11M | 14.21 | 5.85% | ― | 12.29% | 97.75% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
USCB
USCB Financial Holdings, Inc. Class A
21.97
5.97
37.30%
WTBA
West Bancorporation
28.05
10.51
59.96%
BWFG
Bankwell Financial Group
68.15
28.91
73.68%
FMAO
Farmers & Merchants Bancorp
33.36
9.56
40.19%
PDLB
Ponce Financial Group Inc
20.18
6.06
42.92%
OBT
Orange County Bancorp
38.25
14.38
60.24%
USCB Financial Holdings, Inc. Class A Corporate Events
Business Operations and StrategyFinancial DisclosuresRegulatory Filings and Compliance
USCB Financial Highlights Strategy in Q2 2026 Presentation
Positive
Jul 28, 2026
USCB Financial Holdings, Inc., parent of U.S. Century Bank, is a South Florida-based commercial bank concentrating on small and mid-sized business clients, entrepreneurs and professionals across Miami-Dade, Broward and Palm Beach counties. Founded...
Business Operations and StrategyDividendsFinancial Disclosures
USCB Financial Tops $3 Billion in Assets Milestone
Positive
Jul 23, 2026
USCB Financial Holdings, Inc., the parent of Miami-based U.S. Century Bank, reported on July 23, 2026 that it surpassed $3 billion in total assets as of June 30, 2026, driven by record new loan fundings of $272.0 million and 14.6% annualized linke...
Dividends
USCB Financial Declares Quarterly Cash Dividend for Shareholders
Positive
Jul 20, 2026
On July 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 on its Class A common stock. The dividend will be paid...
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.