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USCB Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
OverviewStock Price PredictionTechnicalValuationFinancialsEarningsShould I BuyNews & Events
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Intellectia

Loading chart...

High
18.655
Open
18.160
VWAP
18.25
Vol
42.39K
Mkt Cap
331.56M
Low
17.810
Amount
773.57K
EV/EBITDA(TTM)
12.41
Total Shares
18.14M
EV
451.33M
EV/OCF(TTM)
--
P/S(TTM)
3.99
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.
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Events Timeline

(ET)
2026-01-22
16:40:00
Company Reports Q4 Revenue of $25.53M, Below Expectations
select
2026-01-20 (ET)
2026-01-20
16:40:00
USCB Financial Declares $0.125 Dividend per Share
select
2025-07-24 (ET)
2025-07-24
16:59:31
USCB Financial reports Q2 EPS 40c, consensus 38c
select
2025-01-23 (ET)
2025-01-23
15:40:26
U.S. Century Bank reports Q4 EPS 34c, consensus 37c
select

News

seekingalpha
9.5
01-23seekingalpha
USCB Financial Holdings (USCB) Reports Q4 2025 Total Assets of $2.8 Billion with 11% Loan Growth
  • Significant Asset Growth: USCB reported total assets of $2.8 billion in Q4 2025, reflecting an 8.1% year-over-year increase, indicating sustained growth driven by strong commercial activity and disciplined underwriting, enhancing its competitive position in the market.
  • Strong Loan and Deposit Performance: Loans increased by $216 million, or 11%, while deposits rose by $171 million, or 7.9%, demonstrating deep client relationships and continued franchise growth, which are crucial for future profitability.
  • Enhanced Profitability Metrics: Net interest income expanded to 3.27%, and tangible book value per share rose 10.8% to $11.97, underscoring the strength of the company's business model across profitability, balance sheet resilience, and credit quality.
  • Increased Shareholder Returns: Management completed a $40 million subordinated debt issuance in Q3 2025, using most proceeds to repurchase approximately 2 million shares, reinforcing confidence in the intrinsic value of the stock and commitment to returning capital to shareholders.
seekingalpha
9.5
01-22seekingalpha
U.S. Century Bank (USCB) Reports Q4 Earnings Miss with 21.7% Revenue Decline
  • Earnings Shortfall: U.S. Century Bank's Q4 GAAP EPS of $0.07 misses expectations by $0.19, indicating a significant decline in profitability that could undermine investor confidence.
  • Revenue Decline: The bank reported revenue of $18 million, a 21.7% year-over-year decrease, falling short of the anticipated $26.4 million, reflecting weakened market demand and increased competitive pressures.
  • Financial Health Risks: The combination of missed revenue and earnings targets raises concerns about the bank's financial health, potentially impacting its capital adequacy and ongoing operational capabilities.
  • Market Reaction Expectations: Investor disappointment over these results is likely to exert downward pressure on the stock price in the short term, further affecting the bank's reputation and financing capabilities in the financial markets.
seekingalpha
8.0
01-21seekingalpha
U.S. Century Bank (USCB) Raises Quarterly Dividend by 25% to $0.125
  • Dividend Increase: U.S. Century Bank has declared a quarterly dividend increase from $0.100 to $0.125 per share, representing a 25% rise, which reflects the company's ongoing profitability and is likely to attract more investor interest.
  • Yield Performance: The new dividend results in a forward yield of 2.59%, enhancing shareholder returns and potentially increasing market demand for the stock, which could drive up its price.
  • Payment Schedule: The dividend is payable on March 5, with a record date of February 17 and an ex-dividend date also on February 17, ensuring shareholders receive their earnings promptly and boosting investor confidence.
  • Investment Opportunities: U.S. Century Bank has signaled a $14.4 million cash flow opportunity from its investment portfolio, indicating a potential for margin expansion in the upcoming quarter, further solidifying its market position.
Globenewswire
8.0
01-20Globenewswire
USCB Financial Holdings Increases Quarterly Cash Dividend by 25%
  • Dividend Increase: USCB Financial Holdings announced an increase in its quarterly cash dividend from $0.10 to $0.125 per share, representing a 25% rise, reflecting the company's enhanced profitability and commitment to shareholder returns.
  • Payment Schedule: The cash dividend will be payable on March 5, 2026, to shareholders of record as of February 17, 2026, ensuring timely returns for investors.
  • Board Review: Future dividend payments will be subject to quarterly review and approval by the Board of Directors, indicating the company's cautious approach to financial management and focus on sustained profitability.
  • Company Background: USCB Financial Holdings is the holding company for U.S. Century Bank, established in 2002, and is one of the largest community banks in Miami, rated 5-stars by BauerFinancial, showcasing its strong position in financial services and community support.
Newsfilter
8.0
01-20Newsfilter
USCB Financial Holdings Declares 25% Increase in Quarterly Cash Dividend
  • Dividend Increase: USCB Financial Holdings announced a cash dividend increase from $0.10 to $0.125 per share of common stock, representing a 25% rise, reflecting the company's enhanced profitability and commitment to shareholder returns.
  • Payment Schedule: The cash dividend is set to be paid on March 5, 2026, with a record date of February 17, 2026, ensuring timely returns for shareholders and boosting investor confidence.
  • Board Review: Future dividend payments will be subject to quarterly review and approval by the Board of Directors, indicating the company's cautious approach to financial management and ensuring sustainable shareholder returns.
  • Community Engagement: As one of the largest community banks in Miami, USCB Financial Holdings not only offers a wide range of financial products but also actively supports local community organizations, further solidifying its market position in Florida.
Benzinga
3.0
2025-12-09Benzinga
Hidden Gems: 5 Overlooked Small Cap Income Compounders You Shouldn't Miss
  • Investment Strategy: Investors focusing on smaller companies with strong fundamentals, high dividend yields, and consistent cash flow can uncover long-term wealth opportunities that are often overlooked by the market.

  • Company Examples: Five companies highlighted—Miller Industries, Bassett Furniture, Getty Realty, H2O America, and USCB Financial Group—demonstrate solid business models, strong balance sheets, and reliable dividend policies, making them attractive for disciplined investors.

  • Market Inefficiency: Smaller companies are less analyzed and not universally owned, allowing savvy investors to find quality stocks at discounted prices before they gain wider recognition.

  • Long-Term Value Creation: The combination of steady cash distributions and strong operational performance in these companies positions them well for compounding growth, providing investors with income while they wait for the market to catch up.

Wall Street analysts forecast USCB stock price to rise
2 Analyst Rating
Wall Street analysts forecast USCB stock price to rise
2 Buy
0 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
21.00
Averages
22.00
High
23.00
Current: 0.000
sliders
Low
21.00
Averages
22.00
High
23.00
Raymond James
Outperform -> Strong Buy
upgrade
$20 -> $22
AI Analysis
2025-09-08
Reason
Raymond James
Price Target
$20 -> $22
AI Analysis
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.
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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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
3.54
Current PS
2.99
Overvalued PS
4.24
Undervalued PS
2.83

Financials

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Frequently Asked Questions

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

The current price of USCB is 18.28 USD — it has decreased -0.33

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?

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 is22.00 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.

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

USCB Financial Holdings Inc revenue for the last quarter amounts to 18.03M USD, decreased -21.56

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 0.07 USD, decreased -79.41

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

USCB Financial Holdings Inc (USCB) has 199 emplpoyees as of March 11 2026.

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

Today USCB has the market capitalization of 331.56M USD.