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

• Market Cap: $354.06M
• Dividend Yield: 2.02%
• Average Volume (3M): 24.82K
• Price to Earnings (P/E): 12.4
• Beta (1Y): 0.79
• 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: 18,110,386
• 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: 1.25
• Enterprise Value/Revenue: 2.91
• Enterprise Value/Gross Profit: 5.02
• Enterprise Value/Ebitda: 11.14
• 1Y Price Target: $22.00
• Price Target Upside: 11.06% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 78 Outperform
• Price Target: $21.00 ▲(6.01% Upside)

USCB Financial Holdings receives a strong overall score due to its robust financial performance, positive technical indicators, and favorable earnings call highlights. The company's strategic capital management and strong credit quality further enhance its position. Valuation metrics suggest the stock may be undervalued, providing potential upside for investors.

Positive Factors

Revenue Growth

Consistent revenue growth indicates a strong market position and effective business strategies, supporting long-term financial stability.

Asset and Deposit Growth

Significant asset and deposit growth enhances the company's ability to generate income and expand its lending capacity, supporting future growth.

Credit Quality

Exceptional credit performance reduces risk and enhances profitability, ensuring long-term financial health and stability.

Negative Factors

Loan Yield Pressure

Decreasing loan yields can pressure margins and profitability, potentially impacting future earnings if not addressed.

Higher Deposit Costs

Rising deposit costs can erode net interest margins, affecting profitability and financial performance if the trend continues.

Temporary Loan Growth Slowdown

A slowdown in loan growth can limit revenue expansion and affect market competitiveness, posing a risk to future growth.

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 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: Positive
• Last Price: 19.81
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: 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 19.81 is above the 20-day moving average (MA) of 18.46, above the 50-day MA of 17.75, and above the 200-day MA of 17.17, indicating a bullish trend. The MACD of 0.53 indicates Negative momentum. The RSI at 76.41 is Negative, neither overbought nor oversold. The STOCH value of 82.71 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OBT	80 Outperform	$396.32M	9.80	15.69%	1.92%	8.90%	18.23%
USCB	78 Outperform	$354.06M	12.43	14.96%	2.02%	15.45%	52.68%
WTBA	76 Outperform	$405.22M	12.62	13.14%	4.18%	4.47%	49.09%
BWFG	74 Outperform	$393.08M	13.84	10.04%	1.56%	2.52%	85.94%
PDLB	73 Outperform	$414.50M	19.49	4.16%	―	16.03%	145.10%
FMAO	68 Neutral	$385.00M	12.15	8.98%	3.18%	6.52%	36.77%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

USCB Financial Holdings, Inc. Class A Corporate Events

USCB Financial Highlights Q3 2025 Performance

USCB Financial Holdings, Inc. has released an investor presentation for the third quarter of 2025, highlighting its financial performance and strategic focus. The company emphasizes its strong position in the South Florida market, with a focus on relationship-driven banking services. The presentation outlines the bank’s growth strategies and financial metrics, including assets of $2.8 billion and a 5-star Bauer Financial rating. The release underscores the bank’s commitment to managing risks and adapting to regulatory changes, while leveraging the vibrant economic environment of Florida to drive future growth.

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.

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.