USCB Stock: Price, Forecast, Financials & AI Analysis

High

Open

VWAP

Vol

Mkt Cap

Low

Amount

EV/EBITDA(TTM)

Total Shares

EV/OCF(TTM)

P/S(TTM)

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q4

FY2026Q1

FY2026Q2

26.34M

+14.61%

0.504

+48.24%

27.02M

+18.36%

0.512

+34.74%

27.88M

+14.23%

0.528

+32%

Estimates Revision

The market is revising No Change the revenue expectations for USCB Financial Holdings, Inc. (USCB) for FY2025, with the revenue forecasts being adjusted by 0% over the past three months. During the same period, the stock price has changed by 16.97%.

Revenue Estimates for FY2025

No Change

0.00%

In Past 3 Month

EPS Estimates for FY2025

No Change

0.00%

In Past 3 Month

Stock Price

Go Up

+16.97%

In Past 3 Month

3 Analyst Rating

Wall Street analysts forecast USCB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for USCB is 22.00 USD with a low forecast of 21.00 USD and a high forecast of 23.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

3 Buy

0 Hold

0 Sell

Strong Buy

Current: 0.000

Low

21.00

Averages

22.00

High

23.00

Current: 0.000

Low

21.00

Averages

22.00

High

23.00

Raymond James

Outperform -> Strong Buy

upgrade

$20 -> $22

2025-09-08

Reason

Raymond James

Price Target

$20 -> $22

2025-09-08

upgrade

Outperform -> Strong Buy

Reason

Raymond James upgraded USCB Financial to Strong Buy from Outperform with a price target of $22, up from $20, after meeting with management. The company sees profitability improvement in 2026 as rate cuts could drive return on assets to the 1.30% range given the bank's liability-sensitive balance sheet, the analyst tells investors in a research note. As such, Raymond James now views USCB 's risk/reward more positively.

Piper Sandler

Overweight

maintain

$22 -> $23

2025-09-08

Reason

Piper Sandler

Price Target

$22 -> $23

2025-09-08

maintain

Overweight

Reason

Piper Sandler raised the firm's price target on USCB Financial to $23 from $22 and keeps an Overweight rating on the shares. The firm notes that on Friday of last week, USCB disclosed that it repurchased 2M shares of its stock at $17.19/share from certain institutional shareholders, including Patriot Financial. The $34.4M total utilizes much of the $40M gross sub-debt that was issued back on 8/14/25. In combination for these two actions, Piper is increasing its estimates to $1.69/$2.04 in 2025/2026, up from $1.64/$1.96.

Raymond James

Market Perform -> Outperform

upgrade

$20

2025-07-28

Reason

Raymond James

Price Target

$20

2025-07-28

upgrade

Market Perform -> Outperform

Reason

Raymond James upgraded USCB Financial to Outperform from Market Perform with a $20 price target. The bank's growth momentum and operating leverage have driven an improvement in profitability, the analyst tells investors in a research note. The firm expects USCB's operating efficiency will continue through 2026.

Raymond James

Michael Rose

Buy

Hold

Downgrades

n/a

2025-04-02

Reason

Raymond James

Michael Rose

Price Target

n/a

2025-04-02

Downgrades

Buy

Hold

Reason

Raymond James downgraded USCB Financial to Market Perform from Outperform.

Valuation Metrics

The current forward P/E ratio for USCB Financial Holdings Inc (USCB.O) is 8.66, compared to its 5-year average forward P/E of 11.42. For a more detailed relative valuation and DCF analysis to assess USCB Financial Holdings Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

5Y Average PE

11.42

Current PE

8.66

Overvalued PE

13.04

Undervalued PE

9.79

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

5Y Average PS

3.54

Current PS

2.99

Overvalued PS

4.24

Undervalued PS

2.83

Financials

Annual

Quarterly

N/A

Total Revenue

N/A

Operating Profit

N/A

Net Income after Tax

N/A

EPS - Diluted

N/A

Free Cash Flow

N/A

FCF Margin - %

N/A

Net Margin - %

N/A

ROIC

Trading Trends

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

Bought

Hedge Fund

Hedge Funds are Neutral. There are no significant trading trends over the last quarter.

Sold

Bought

Congress Trading

Congress are Neutral. There are no significant trading trends over the last month.

Sold

Bought

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

Bought

USCB News & Events

Events Timeline

No data

News

3.0

2025-12-09Benzinga

Hidden Gems: 5 Overlooked Small Cap Income Compounders You Shouldn't Miss

4.5

2025-12-05Globenewswire

USCB Financial Sells $44.6 Million in Securities to Enhance Profitability

4.5

2025-12-05Newsfilter

USCB Financial Sells $44.6M in Securities to Enhance Profitability

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Frequently Asked Questions

What is USCB Financial Holdings Inc (USCB) stock price today?

The current price of USCB is 19.23 USD — it has decreased -1.44 % in the last trading day.

What is USCB Financial Holdings Inc (USCB)'s business?

USCB Financial Holdings, Inc. is the bank holding company for U.S. Century Bank (the Bank). The Bank offers customers a wide range of financial products and services and supports numerous community organizations, including the Greater Miami Chamber of Commerce, the South Florida Hispanic Chamber of Commerce, and ChamberSouth. The Bank focuses on serving small-to-medium sized businesses (SMBs) and catering to the needs of local business owners, entrepreneurs and professionals in South Florida. In addition to its traditional commercial banking services, it also offers certain specialty banking products, services and solutions designed for small businesses, homeowner associations, law firms, medical practices and other professional services firms, and global banking services. Its specialty banking offerings include small business administration (SBA) lending, yacht lending, homeowner association services, and jurist advantage and private client group services, among others.

What is the price predicton of USCB Stock?

What is USCB Financial Holdings Inc (USCB)'s revenue for the last quarter?

USCB Financial Holdings Inc revenue for the last quarter amounts to 24.96M USD, increased 15.83 % YoY.

What is USCB Financial Holdings Inc (USCB)'s earnings per share (EPS) for the last quarter?

USCB Financial Holdings Inc. EPS for the last quarter amounts to 0.45 USD, increased 28.57 % YoY.

What changes have occurred in the market's expectations for USCB Financial Holdings Inc (USCB)'s fundamentals?

How many employees does USCB Financial Holdings Inc (USCB). have?

USCB Financial Holdings Inc (USCB) has 199 emplpoyees as of January 10 2026.

What is USCB Financial Holdings Inc (USCB) market cap?

Today USCB has the market capitalization of 348.26M USD.