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USCB Financial Holdings, Inc. Class A (USCB)
:USCB
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USCB Financial Holdings, Inc. Class A
(NASDAQ:USCB)
Rating:76Outperform
Price Target:―
USCB Financial Holdings, Inc. Class A (USCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$318.97M
Dividend Yield2.51%
Average Volume (3M)21.15K
Price to Earnings (P/E)11.5
Beta (1Y)0.93
Revenue Growth26.42%
EPS Growth78.75%
CountryUS
Employees199
SectorFinancial
Sector Strength75
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.38
Shares Outstanding20,048,386
10 Day Avg. Volume19,660
30 Day Avg. Volume21,153
Financial Highlights & Ratios
PEG Ratio1.00
Price to Book (P/B)1.54
Price to Sales (P/S)0.00
P/FCF Ratio9.82
Enterprise Value/Market Cap1.34
Enterprise Value/Revenue0.96
Enterprise Value/Gross Profit2.95
Enterprise Value/Ebitda12.38
Forecast
1Y Price Target
$22.50Price Target Upside41.42% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
USCB Financial Holdings, Inc. Class A Business Overview & Revenue Model
Company DescriptionUSCB 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 MoneyUSCB Financial Holdings, Inc. generates revenue primarily through interest income from its lending activities, including personal loans, mortgages, and commercial loans. The company also earns non-interest income from various fees associated with banking services such as transaction fees, account maintenance fees, and fees from wealth management services. Additionally, USCB may engage in investment activities, generating income from securities and other financial instruments. Significant partnerships with other financial institutions and service providers may also contribute to its earnings, enhancing its product offerings and customer reach.
USCB Financial Holdings, Inc. Class A Earnings Call Summary
Earnings Call Date:Apr 24, 2025
(Q1-2025)
| % Change Since: -10.42%|
Next Earnings Date:Jul 24, 2025
Earnings Call Sentiment Positive
The earnings call reflects a positive outlook with strong EPS growth, significant loan and deposit growth, and operational efficiency improvements. However, there are concerns over declining net interest margins, loan yields, and an increase in non-performing and classified loans. Despite these challenges, the overall performance and strategic growth initiatives provide a cautiously optimistic view.Q1-2025 Updates
Positive Updates
Record EPS Growth
USCB Financial Holdings reported a fully diluted EPS of $0.38, marking a 65% increase over the prior year.
Significant Loan Growth
Average loans increased by $205.3 million or 11.5% compared to the first quarter of 2024, surpassing the $2 billion loan mark.
Robust Deposit Growth
Deposits grew by $166.6 million or 8.1% compared to the same quarter last year, with an annualized increase of 25% compared to the prior quarter.
Efficiency Ratio Improvement
The efficiency ratio improved to 52.79%, indicating better operational efficiency.
Strong Non-Interest Income
Non-interest income was 16.3% of total revenue, supported by loan prepayment penalties and SBA loan sales.
Dividend Increase
The company's Board of Directors declared a cash dividend of $0.10 per share, doubling from previous dividends.
Negative Updates
Decline in Net Interest Margin
NIM was 3.10%, down slightly from the prior quarter, affected by lower SOFR rates and higher cash balances.
Decrease in Loan Yields
Loan yields decreased by 8 basis points compared to the previous quarter due to the repricing behavior of the loan portfolio.
Increase in Non-Performing Loans
Non-performing loans increased by 6 basis points or $1.4 million from the fourth quarter to 0.2% of the portfolio.
Classified Loans Increase
Classified loans increased by 7 basis points or $1.7 million to 0.44% of the portfolio.
Company Guidance
During the USCB Financial Holdings Q1 2025 earnings call, several key financial metrics were discussed, highlighting the bank's strong performance. The fully diluted EPS for the quarter was $0.38, reflecting a 65% increase from the previous year. Average loans grew by $205.3 million or 11.5% compared to Q1 2024, while average deposits rose by $166.6 million or 8.1%. The bank achieved a return on average assets of 1.19% and a return on average equity of 14.15%. Their net interest margin (NIM) stood at 3.10%, with a slight decline from the prior quarter. The efficiency ratio improved to 52.79%, and tangible book value per share increased by $0.42 to $11.23. Additionally, the allowance for credit losses remained at 1.22% of the portfolio, with non-performing loans increasing to 0.2% of the portfolio. The bank declared a cash dividend of $0.10 per share, payable on June 5, 2025. Management remains optimistic about continued growth, projecting high-single to low double-digit growth in loans and deposits for the upcoming quarters.USCB Financial Holdings, Inc. Class A Financial Statement Overview
Summary
USCB Financial Holdings exhibits strong financial health with consistent revenue growth and profitability improvements. The balance sheet is stable, though attention is needed for rising liabilities. Robust cash flow performance underscores efficient operations, despite fluctuations in investing and financing activities.Income Statement
USCB Financial Holdings has demonstrated strong revenue growth with a significant increase from 2023 to 2024. The net profit margin has improved over the years, indicating enhanced profitability. However, the absence of EBIT and EBITDA in 2024 requires attention, though past metrics show healthy margins.85
Very Positive
Balance Sheet
The balance sheet is stable with a reasonable debt-to-equity ratio and an improving equity ratio over time. The return on equity has shown a positive trajectory, reflecting efficient management of equity. However, the increase in total liabilities in recent years could pose a risk if not managed.78
Positive
Cash Flow
Cash flow analysis reveals robust growth in free cash flow, indicating effective cash management and operational efficiency. The operating cash flow to net income ratio is healthy, suggesting strong cash conversion. However, the significant fluctuation in investing and financing cash flows could indicate volatility.82
Very Positive
| Breakdown | ||||
| Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|
| Income Statement | Total Revenue | |||
| 82.68M | 63.60M | 68.73M | 60.69M | 49.69M | Gross Profit |
| 82.68M | 108.42M | 68.73M | 60.69M | 49.69M | EBIT |
| 0.00 | 30.76M | 34.52M | 27.68M | 13.41M | EBITDA |
| 0.00 | 22.39M | 27.77M | 28.71M | 14.68M | Net Income Common Stockholders |
| 24.67M | 16.55M | 20.14M | 21.08M | 10.82M |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | |||
| 294.24M | 41.06M | 54.17M | 46.23M | 47.73M | Total Assets |
| 2.58B | 2.34B | 2.09B | 1.85B | 1.50B | Total Debt |
| 171.45M | 194.42M | 60.40M | 50.19M | 50.51M | Net Debt |
| 94.42M | 153.36M | 6.23M | 3.96M | 2.78M | 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
Negative
15.91
Price Trends
16.76
Negative
17.70
Negative
17.22
Negative
Market Momentum
-0.26
Positive
39.54
Neutral
16.12
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For USCB, the sentiment is Negative. The current price of 15.91 is below the 20-day moving average (MA) of 16.42, below the 50-day MA of 16.76, and below the 200-day MA of 17.22, indicating a bearish trend. The MACD of -0.26 indicates Positive momentum. The RSI at 39.54 is Neutral, neither overbought nor oversold. The STOCH value of 16.12 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for USCB.
USCB Financial Holdings, Inc. Class A Peers Comparison
Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $378.41M | 10.65 | 11.51% | 0.85% | 10.47% | 13.63% | |
76 Outperform | $318.97M | 11.49 | 13.20% | 2.51% | 26.42% | 78.75% | |
76 Outperform | $377.27M | 10.13 | 9.85% | 2.23% | 9.82% | 0.91% | |
75 Outperform | $358.60M | 8.05 | 22.26% | 2.53% | 1.20% | 46.86% | |
73 Outperform | $408.03M | 13.67 | 7.67% | ― | 10.63% | -3.35% | |
64 Neutral | $12.73B | 9.77 | 7.84% | 78.17% | 12.05% | -7.99% | |
62 Neutral | $377.25M | 9.64 | 11.58% | 3.66% | 1.99% | 17.65% |
* Financial Sector Average
Performance Comparison
USCB
USCB Financial Holdings, Inc. Class A
15.91
4.07
34.38%
HBCP
Home Bancorp
49.32
12.92
35.49%
BSRR
Sierra Bancorp
27.30
6.98
34.35%
BWB
Bridgewater Bancshares
14.96
4.06
37.25%
BSVN
Bank7
38.14
8.62
29.20%
RRBI
Red River Bancshares
56.51
10.10
21.76%
USCB Financial Holdings, Inc. Class A Corporate Events
DividendsBusiness Operations and StrategyFinancial Disclosures
USCB Financial Holdings Reports Record Q1 2025 EPS
Positive
Apr 24, 2025
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.
Spark’s Take on USCB Stock
According to Spark, TipRanks’ AI Analyst, USCB is a Outperform.
USCB Financial Holdings scores strongly due to its robust financial performance, with notable revenue growth and profitability. The earnings call provided positive guidance, supporting the company’s strong outlook. However, technical analysis indicates some susceptibility to downward trends, and the valuation is fair but not exceptional. These factors collectively lead to a solid but not stellar overall score.
To see Spark’s full report on USCB stock, click here.
Dividends
USCB Financial Announces Quarterly Cash Dividend
Positive
Apr 21, 2025
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.
Spark’s Take on USCB Stock
According to Spark, TipRanks’ AI Analyst, USCB is a Outperform.
USCB Financial Holdings scores highly due to its strong financial performance, characterized by growth in revenue and profitability, alongside a stable balance sheet. Technical indicators suggest steady momentum, while the fair valuation and attractive dividend yield further bolster the outlook. The positive sentiment from the earnings call, with strong financial guidance and confidence in future profitability, enhances the overall score.
To see Spark’s full report on USCB stock, click here.
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.