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

• Market Cap: $347.18M
• Dividend Yield: 2.1%
• Average Volume (3M): 24.82K
• Price to Earnings (P/E): 14.3
• Beta (1Y): 0.84
• Revenue Growth: 15.45%
• EPS Growth: 52.68%
• Country: US
• Employees: 199
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.44
• 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: 1.03
• Enterprise Value/Revenue: 2.28
• Enterprise Value/Gross Profit: 3.86
• Enterprise Value/Ebitda: 8.41
• 1Y Price Target: $22.00
• Price Target Upside: 15.67% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 76 Outperform
• Price Target: $22.00 ▲(15.67% Upside)
• Action: Upgraded Date: 01/26/26
• Date: Action: Upgraded 01/26/26

USCB scores well on improving financial performance (rising TTM revenue/earnings, solid margins, and better leverage) and a positive earnings-call outlook (expected NIM improvement, strong loan/deposit growth, and very low NPLs). Valuation is supportive (12.4x P/E with a ~2.05% yield), while technicals are moderately bullish but show signs of near-term momentum being somewhat stretched (high stochastic).

Positive Factors

Loan & deposit growth

Sustained loan and deposit expansion signals durable franchise momentum and organic funding capacity. Consistent loan growth drives core net interest income and supports relationship banking scale, while deposit gains reduce reliance on external funding and enable measured balance sheet expansion over coming quarters.

High-quality credit metrics

Very low NPLs and a meaningful ACL ratio indicate conservative underwriting and portfolio resilience. Persistent credit strength reduces expected credit losses, preserves capital, and allows management to pursue growth and shareholder returns with lower risk of unexpected charge-offs in the medium term.

Improved leverage and capital actions

Material deleveraging alongside targeted capital issuance and buybacks demonstrates proactive capital management. A stronger capital mix and tangible book growth provide a buffer for growth initiatives and regulatory resilience while enabling sustainable dividend increases and share repurchases.

Negative Factors

Margin compression & yield mix risk

A higher share of short-tenor, lower-yield correspondent production and overall portfolio yield decline create structural pressure on NIM. If this mix persists alongside rate cuts, margin recovery will be slower, making earnings more sensitive to funding costs and reinvestment yields over the medium term.

Deposit volatility & concentration

Large client swings and correspondent deposit movements highlight concentration and liquidity management risk. Recurring volatility raises the need for contingency funding, can increase marginal funding costs, and weakens predictability of low-cost DDA balances that sustain long-term margin stability.

Weak recent operating cash flow coverage

Despite stronger free cash flow totals, a noticeably weaker operating cash flow coverage ratio reduces internal cushion against stress. Lower coverage limits flexibility to absorb shocks, support loan growth or dividend increases without drawing on securities or external funding during tightening cycles.

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

Solid fundamentals: TTM revenue and net income are rising, profitability is healthy (mid-teen net margin; ~24% operating margin), and leverage has improved materially (lower debt-to-equity) while maintaining ~12% ROE. Offsets include margin compression versus 2021–2022 and a notably weak recent operating cash flow coverage metric, implying less cushion if conditions tighten.

Income Statement

TTM (Trailing-Twelve-Months) revenue increased to $156.4M versus $144.0M in 2024, and profitability remains solid with net margin holding around ~17% (TTM and 2024). Operating profitability is healthy (TTM operating margin ~23.6%), and earnings have expanded versus prior years ($31.6M TTM net income vs. $24.7M in 2024). The key offset is margin compression versus 2021–2022, when reported margins were materially higher, suggesting profitability has normalized and could be more sensitive to rate/credit and funding dynamics going forward.

Balance Sheet

Leverage looks improved recently: debt-to-equity declined to ~0.43 in TTM (Trailing-Twelve-Months) from ~0.80 in 2024 and ~1.01 in 2023, indicating a cleaner capital position versus the prior peak. Equity has been relatively stable (~$209M TTM) while assets have grown to ~$2.77B, supporting franchise growth. Return on equity is consistent and healthy for the group (~11.9% TTM; ~11.5% in 2024), though the historical volatility in leverage (notably 2023–2024) is a reminder that balance sheet risk can shift meaningfully year-to-year.

Cash Flow

Cash generation is strong and improving: operating cash flow rose to $49.8M TTM (Trailing-Twelve-Months) from $34.1M in 2024, and free cash flow increased to $49.5M with robust growth (TTM free cash flow growth ~21.9%). Free cash flow closely tracks earnings (free cash flow at ~99% of net income), which supports earnings quality. A weakness is that the provided operating cash flow coverage ratio is very low in recent periods (TTM and 2023–2024) versus much higher levels in 2020–2022, pointing to potentially less cushion against obligations in the recent reporting mix.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	156.42M	143.97M	108.42M	76.17M	63.94M	58.73M
Gross Profit	92.33M	79.52M	63.60M	66.23M	59.87M	46.44M
EBITDA	42.35M	33.06M	22.39M	27.77M	28.71M	14.68M
Net Income	31.64M	24.67M	16.55M	20.14M	21.08M	10.82M
Balance Sheet
Total Assets	2.77B	2.58B	2.34B	2.09B	1.85B	1.50B
Cash, Cash Equivalents and Short-Term Investments	380.99M	294.24M	270.39M	54.17M	46.23M	47.73M
Total Debt	56.54M	171.45M	194.42M	60.40M	50.19M	50.51M
Total Liabilities	2.56B	2.37B	2.15B	1.90B	1.65B	1.33B
Stockholders Equity	209.09M	215.39M	191.97M	182.43M	203.90M	171.00M
Cash Flow
Free Cash Flow	49.50M	33.78M	22.38M	28.86M	21.42M	12.76M
Operating Cash Flow	49.77M	34.09M	22.55M	29.54M	22.05M	13.10M
Investing Cash Flow	-252.79M	-211.86M	-273.00M	-270.60M	-359.36M	-178.78M
Financing Cash Flow	221.35M	213.74M	237.35M	249.00M	335.81M	177.67M

USCB Financial Holdings, Inc. Class A Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 19.02
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For USCB, the sentiment is Neutral. The current price of 19.02 is below the 20-day moving average (MA) of 19.35, below the 50-day MA of 19.19, and above the 200-day MA of 17.48, indicating a neutral trend. The MACD of 0.07 indicates Positive momentum. The RSI at 47.68 is Neutral, neither overbought nor oversold. The STOCH value of 26.49 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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	$449.79M	10.19	15.69%	2.00%	8.90%	18.23%
USCB	76 Outperform	$347.18M	14.30	14.96%	2.10%	15.45%	52.68%
FMAO	72 Outperform	$362.72M	11.02	8.98%	3.18%	6.52%	36.77%
BWFG	71 Outperform	$377.25M	10.57	10.04%	1.66%	2.52%	85.94%
WTBA	69 Neutral	$411.32M	12.76	13.14%	4.39%	4.47%	49.09%
PDLB	68 Neutral	$392.18M	13.72	5.48%	―	16.03%	145.10%
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 Restructures Portfolio Amid Lower Quarterly Earnings

On January 22, 2026, USCB Financial Holdings, Inc. reported that net income for the fourth quarter of 2025 fell to $1.4 million, or $0.07 per fully diluted share, from $6.9 million, or $0.34 per share, a year earlier, largely due to a previously announced portfolio restructuring and a non-routine tax liability from prior periods. The restructuring involved selling $44.6 million of lower-yielding available-for-sale securities at a pre-tax loss of $7.5 million and reinvesting proceeds into loans, depressing GAAP earnings but leaving operating diluted EPS at $0.44, in line with the prior quarter and supporting higher operating returns on assets and equity. Despite the hit to reported earnings, the bank posted 11.0% year-over-year loan growth to $2.2 billion, 7.9% deposit growth to $2.3 billion, improved net interest margin to 3.27%, and stable asset quality metrics, while maintaining strong regulatory capital ratios and increasing tangible book value per share by 10.8%. The board also declared a quarterly cash dividend of $0.125 per Class A share, payable March 5, 2026, underscoring management’s message that the one-time earnings drag reflects strategic positioning for enhanced profitability rather than underlying weakness in the franchise.

The most recent analyst rating on (USCB) stock is a Buy with a $21.50 price target. To see the full list of analyst forecasts on USCB Financial Holdings, Inc. Class A stock, see the USCB Stock Forecast page.

USCB Financial Raises Quarterly Dividend Reflecting Earnings Strength

On January 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 of Class A common stock, representing a 25% increase from the prior $0.10 dividend, reflecting the company’s strong operating earnings. The dividend will be paid on March 5, 2026, to shareholders of record as of the close of business on February 17, 2026, underscoring the bank’s improved capital returns to investors and signaling confidence in its current financial performance and ongoing operations.

The most recent analyst rating on (USCB) stock is a Buy with a $23.00 price target. To see the full list of analyst forecasts on USCB Financial Holdings, Inc. Class A stock, see the USCB Stock Forecast page.

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.

The most recent analyst rating on (USCB) stock is a Buy with a $23.00 price target. To see the full list of analyst forecasts on USCB Financial Holdings, Inc. Class A stock, see the USCB Stock Forecast page.