USCB Financial Holdings, Inc. Class A (USCB)
NASDAQ:USCB
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USCB Financial Holdings, Inc. Class A
(NASDAQ:USCB)
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Rating:74Outperform
Price Target:
$20.50
▲(2.76% Upside)
Action:Reiterated
Date:05/14/26
USCB scores well on financial performance and the latest earnings call (strong profitability, improving leverage/capital, solid credit quality, and constructive guidance), supported by attractive valuation (low P/E and a dividend). The main offset is weak technical momentum, with shares below key moving averages and negative MACD.
Positive Factors
Sustained Profitability
USCB exhibits durable earnings power with net margins near 20% and operating margins in the mid‑to‑high 20s. That level of profitability supports internal capital generation, dividend capacity and resilience through rate and credit cycles, making earnings more predictable over months.
Negative Factors
Softening Revenue Trend
Trailing‑twelve‑month revenue has declined about 7.6% after prior strong expansion. A weakening top line can limit sustainable earnings growth and puts greater reliance on margin improvement or one‑off fee items to meet profit targets over the coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Profitability
USCB exhibits durable earnings power with net margins near 20% and operating margins in the mid‑to‑high 20s. That level of profitability supports internal capital generation, dividend capacity and resilience through rate and credit cycles, making earnings more predictable over months.
Read all positive factors
USCB Financial Holdings, Inc. Class A (USCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$340.07M
Dividend Yield2.1%
Average Volume (3M)24.82K
Price to Earnings (P/E)9.1
Beta (1Y)0.84
Revenue Growth4.89%
EPS Growth3.63%
CountryUS
Employees199
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 Ratio1.78
Price to Book (P/B)1.57
Price to Sales (P/S)2.19
P/FCF Ratio7.85
Enterprise Value/Market Cap1.04
Enterprise Value/Revenue2.51
Enterprise Value/Gross Profit3.86
Enterprise Value/Ebitda9.35
Forecast
1Y Price Target
$23.00Price Target Upside15.29% 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. generates earnings primarily through the operations of its subsidiary bank. Key revenue streams include: (1) Net interest income: the spread between interest earned on interest-earning assets (primarily loans, and pot...
USCB Financial Holdings, Inc. Class A Earnings Call Summary
Earnings Call Date:Apr 23, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 23, 2026
Earnings Call Sentiment Positive
The call presents a broadly positive performance: record quarterly earnings, double-digit loan growth, meaningful deposit expansion, improved NIM YoY, strong capital ratios, and excellent credit quality. Challenges were largely timing-related (late loan closings, early payoffs) and include expected normalization of swap fees, a small uptick in NPAs tied to two residential loans (no expected loss), and measured near-term expense increases for planned hires. On balance, the favorable metrics and franchise momentum materially outweigh the identified short-term and manageable headwinds.Positive Updates
Record Quarterly Earnings and Strong Profitability
Net income of $9.4M ($0.51 GAAP diluted EPS); operating diluted EPS $0.47. Operating ROAA 1.25%, ROAE 15.92%, and efficiency ratio 52.36%, demonstrating sustained profitability and operating efficiency.
Negative Updates
Timing-Driven Margin and Interest Income Pressure
Net interest income was constrained by timing effects: late loan closings (60% of production in March), elevated early-quarter payoffs and lower SOFR during most of the quarter, which limited full NII contribution despite a strong pipeline.
Read all updates
Q1-2026 Updates
Positive
Negative
Record Quarterly Earnings and Strong Profitability
Net income of $9.4M ($0.51 GAAP diluted EPS); operating diluted EPS $0.47. Operating ROAA 1.25%, ROAE 15.92%, and efficiency ratio 52.36%, demonstrating sustained profitability and operating efficiency.
Read all positive updates
Company Guidance
Management's guidance called for continued disciplined, deposit‑funded loan growth with modest margin expansion as recently originated loans season into earnings: Q1 NIM was 3.27% (up from 3.10% YoY) and is expected to be flat‑to‑slightly higher; gross loan production was $188 million in Q1 (60% closed in March) with new loan yields ~6.2% ex‑correspondent (correspondent yield 5.13%), management expects continued strong pipeline and modeled net loan growth of roughly $50M+ next quarter; total assets were $2.8B (+6.3% YoY), loans up ~10.1% YoY, average loans +9.6% YoY (8.9% annualized Q/Q), average deposits ~$2.4B (+$212M YoY) and end‑period deposits rose $149M (total deposits $2.5B, +8% YoY) with deposit cost ~2.20% (down 29 bps YoY, down 8 bps Q/Q) and expected to remain near current levels absent rate cuts; credit remains strong (nonperforming loans 0.16% of loans, NPA/assets 0.13%, net charge‑offs ~0, ACL 1.16% or $26.1M, provision $602k); profitability/capital targets include operating EPS $0.47 (GAAP $0.51), operating ROAA 1.25%, ROAE 15.92%, efficiency ratio ~52.4%, tangible book $12.23 (+8.9% YoY), total risk‑based capital 14.09%, and a quarterly dividend of $0.125 — with modest, measured expense/headcount investments planned while aiming to keep the efficiency ratio in the low‑50% range and swap fees normalizing from the Q1 peak.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 | 37.81M | 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 Technical Analysis
Positive
19.95
Price Trends
18.64
Negative
18.82
Negative
18.06
Positive
Market Momentum
-0.13
Negative
52.99
Neutral
57.24
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 19.95 is above the 20-day moving average (MA) of 18.28, above the 50-day MA of 18.64, and above the 200-day MA of 18.06, indicating a neutral trend. The MACD of -0.13 indicates Negative momentum. The RSI at 52.99 is Neutral, neither overbought nor oversold. The STOCH value of 57.24 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $415.32M | 8.31 | 13.31% | 1.66% | 7.75% | 217.94% | |
76 Outperform | $456.54M | 9.46 | 16.09% | 2.00% | 10.89% | 40.90% | |
74 Outperform | $340.07M | 9.09 | 12.69% | 2.10% | 4.89% | 3.63% | |
74 Outperform | $402.71M | 9.53 | 13.67% | 4.39% | 0.02% | 34.44% | |
70 Outperform | $379.18M | 9.21 | 9.85% | 3.18% | 6.00% | 31.08% | |
68 Neutral | $449.17M | 11.14 | 5.85% | ― | 13.13% | 119.50% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
USCB
USCB Financial Holdings, Inc. Class A
18.62
2.37
14.61%
WTBA
West Bancorporation
23.65
5.17
27.96%
BWFG
Bankwell Financial Group
52.09
19.20
58.38%
FMAO
Farmers & Merchants Bancorp
27.54
4.77
20.95%
PDLB
Ponce Financial Group Inc
18.57
5.01
36.95%
OBT
Orange County Bancorp
34.05
9.45
38.42%
USCB Financial Holdings, Inc. Class A Corporate Events
Stock BuybackDividendsFinancial Disclosures
USCB Financial Delivers Record Quarterly Earnings and Dividend
Positive
Apr 23, 2026
USCB Financial Holdings, Inc., the parent of U.S. Century Bank, reported a record quarter for the three months ended March 31, 2026, with net income rising 22% year over year to $9.4 million and diluted EPS up 33% to $0.51. Profitability metrics s...
Dividends
USCB Financial Declares Regular Quarterly Cash Dividend
Positive
Apr 20, 2026
On April 20, 2026, USCB Financial Holdings, Inc., the parent of U.S. Century Bank, announced that its board declared a regular quarterly cash dividend of $0.125 per share on its Class A common stock. The dividend is scheduled to be paid on June 5,...
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.