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

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USCB Financial Holdings, Inc. Class A

(NASDAQ:USCB)

Rating:78Outperform

Price Target:

$19.50

▲(18.90% Upside)

USCB Financial Holdings exhibits strong financial performance and a positive outlook following the earnings call. The financial health and strategic initiatives stand out as key strengths, while technical analysis and valuation provide additional support. Overall, the stock shows promising potential for growth and stability.

USCB Financial Holdings, Inc. Class A (USCB) vs. SPDR S&P 500 ETF (SPY)

Market Cap

$331.20M

Dividend Yield1.86%

Average Volume (3M)25.71K

Price to Earnings (P/E)11.2

Beta (1Y)1.04

Revenue Growth19.67%

EPS Growth68.34%

CountryUS

Employees199

SectorFinancial

Sector Strength64

IndustryBanks - Regional

Share Statistics

EPS (TTM)0.40

Shares Outstanding20,048,386

10 Day Avg. Volume20,308

30 Day Avg. Volume25,712

Financial Highlights & Ratios

PEG RatioN/A

Price to Book (P/B)0.00

Price to Sales (P/S)0.00

P/FCF Ratio0.00

Enterprise Value/Market Cap1.17

Enterprise Value/Revenue2.62

Enterprise Value/Gross Profit4.60

Enterprise Value/Ebitda10.47

Forecast

1Y Price Target

$21.00

Price Target Upside28.05% Upside

Rating ConsensusStrong Buy

Number of Analyst Covering3

USCB Financial Holdings, Inc. Class A Business Overview & Revenue Model

Company DescriptionUSCB Financial Holdings, Inc. Class A (USCB) is a financial holding company that operates primarily in the banking sector. It provides a comprehensive range of financial services, including personal and commercial banking, wealth management, and mortgage services. The company is committed to delivering high-quality customer service and comprehensive financial solutions to its clients.

How the Company Makes MoneyUSCB 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 Earnings Call Summary

Earnings Call Date:Jul 25, 2025

(Q2-2025)

% Change Since: -5.26%|

Next Earnings Date:Oct 23, 2025

Earnings Call Sentiment Positive

The earnings call for USCB Financial Holdings was predominantly positive, highlighting record profitability, strong loan and deposit growth, and strategic initiatives that have led to improved financial performance. While there were slight concerns regarding noninterest income and legacy low-yield securities, these were minor compared to the significant achievements and positive outlook shared during the call.

Q2-2025 Updates

Positive Updates

Record-Breaking Quarter for USCB

USCB Financial Holdings reported a record quarter with net income of $8.1 million, or $0.40 per diluted share, up 29% over the prior year.

Strong Loan and Deposit Growth

Total loans increased by 15.1% annualized, reaching over $2.1 billion. Deposits rose by 4.5% annually from the previous quarter, totaling $2.3 billion.

Improved Profitability Metrics

Return on average assets was 1.22% and return on average equity was 14.29%. The net interest margin improved to 3.28%, and the efficiency ratio improved to 51.77%.

Investment-Grade Debt Ratings

Kroll Bond Rating Agency assigned both the company and the bank investment-grade debt ratings, supporting the deposit gathering activity.

Successful Strategic Initiatives

USCB's diversified business lines and strategic initiatives in South Florida markets have resulted in steady, sustainable, profitable growth.

Negative Updates

Slight Decrease in Noninterest Income

Noninterest income was slightly lower than the prior quarter, constituting 13.8% of total revenue and 0.5% to average assets.

Impact of Low-Interest Pandemic-Era Securities

The AOCI was a negative $41.8 million due to low-yield securities purchased during the pandemic, impacting tangible book value per share.

Company Guidance

During the Q2 2025 earnings call for USCB Financial Holdings, Inc., the management provided robust guidance highlighting significant growth and strong financial metrics. The company reported a return on average equity of 14.29% and a return on average assets of 1.22%, with net income reaching $8.1 million or $0.40 per diluted share, representing a 29% increase over the previous year. The total loan portfolio grew by 15.1% annualized compared to the prior quarter, surpassing $2.1 billion, while deposits rose 4.5% annually to $2.3 billion, reflecting a diversified funding base. The net interest margin (NIM) improved to 3.28%, and the efficiency ratio bettered to 51.77%, indicating operational efficiencies. The bank's allowance for credit losses stood at $24.9 million, with nonperforming loans at 0.06% of the portfolio, demonstrating strong asset quality. The management also highlighted strategic initiatives such as a $100 million universal shelf offering and acquiring investment-grade debt ratings from Kroll Bond Rating Agency, aimed at enhancing their deposit gathering efforts and positioning for future growth opportunities.

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

Positive

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

Positive

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

Positive

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

Negative

Last Price16.40

Price Trends

50DMA

16.75

Negative

100DMA

17.11

Negative

200DMA

17.60

Negative

Market Momentum

MACD

<0.01

Positive

RSI

43.15

Neutral

STOCH

6.02

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 16.4 is below the 20-day moving average (MA) of 17.23, below the 50-day MA of 16.75, and below the 200-day MA of 17.60, indicating a bearish trend. The MACD of <0.01 indicates Positive momentum. The RSI at 43.15 is Neutral, neither overbought nor oversold. The STOCH value of 6.02 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 (65)

Financial Indicators

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HBCP	79 Outperform	$398.75M	9.77	10.55%	2.14%	8.03%	15.18%
USCB	78 Outperform	$331.20M	11.24	13.71%	1.86%	19.67%	68.34%
BSRR	76 Outperform	$388.55M	9.87	11.53%	3.46%	0.85%	18.21%
BWB	75 Outperform	$418.28M	12.66	8.31%	―	12.19%	12.88%
BSVN	75 Outperform	$413.78M	9.43	20.97%	2.23%	1.20%	46.86%
RRBI	73 Outperform	$401.33M	10.58	12.02%	0.71%	9.09%	23.58%
Sector *	65 Neutral	£5.09B	9.37	5.51%	4.87%	24.62%	-23.11%

* Financial Sector Average

Performance Comparison

USCB

USCB Financial Holdings, Inc. Class A

16.52

2.24

15.69%

HBCP

Home Bancorp

51.86

12.87

33.01%

BSRR

Sierra Bancorp

28.59

2.48

9.50%

BWB

Bridgewater Bancshares

15.23

2.29

17.70%

BSVN

Bank7

43.79

6.83

18.48%

RRBI

Red River Bancshares

60.02

10.09

20.21%

USCB Financial Holdings, Inc. Class A Corporate Events

Business Operations and StrategyFinancial Disclosures

USCB Financial Highlights Q2 2025 Performance and Strategy

Positive

Jul 25, 2025

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.

The most recent analyst rating on (USCB) stock is a Buy with a $20.00 price target. To see the full list of analyst forecasts on USCB Financial Holdings, Inc. Class A stock, see the USCB Stock Forecast page.

DividendsFinancial Disclosures

USCB Financial Reports Record Q2 2025 Earnings

Positive

Jul 24, 2025

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.

Dividends

USCB Financial Announces Quarterly Dividend for Class A

Positive

Jul 21, 2025

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.

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.Date of analysis: Jul 31, 2025