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USCB

USCB Financial Holdings Inc
$
17.310
+0.13(0.757%)1D
  • Overview
  • Forecast
  • Valuation
  • Earnings
Line
Line
|
Candle
Candle
1D
5D
1M
3M
6M
YTD
1Y
5Y
High
17.950
Open
17.950
VWAP
17.32
Vol
8.27K
Mkt Cap
347.56M
Low
17.260
Amount
143.31K
EV/EBITDA(TTM)
10.13
Total Shares
19.66M
EV
400.74M
EV/OCF(TTM)
1.87
P/S(TTM)
3.80
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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Market Estimates

Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2026Q1
FY2025Q4
FY2025Q3
25.19M
+10.35%
0.414
+8.95%
25.00M
+8.77%
0.410
+20.59%
24.40M
+13.24%
0.390
+11.43%
Estimates Revision
The market is revising Downward the revenue expectations for USCB Financial Holdings, Inc. (USCB) for FY2025, with the revenue forecasts being adjusted by -0.31% over the past three months. During the same period, the stock price has changed by 3.53%.
Revenue Estimates for FY2025
Revise Downward
down Image
-0.31%
In Past 3 Month
EPS Estimates for FY2025
Revise Downward
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-0.47%
In Past 3 Month
Stock Price
Go Up
up Image
+3.53%
In Past 3 Month
2 Analyst Rating
up Image
29.98% Upside
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 22.50 USD with a low forecast of 21.00 USD and a high forecast of 24.00  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.
2 Buy
0 Hold
0 Sell
Moderate Buy
up Image
29.98% Upside
Current: 17.310
sliders
Low
21.00
Averages
22.50
High
24.00
Raymond James
Michael Rose
Buy
to
Hold
Downgrades
n/a
2025-04-02
Reason
Raymond James downgraded USCB Financial to Market Perform from Outperform.
Piper Sandler
Stephen Scouten
Hold
to
Buy
Upgrades
$17 → $20
2024-11-04
Reason
Keefe, Bruyette & Woods
Wood Lay
Buy
Maintains
$14 → $17
2024-07-29
Reason

Valuation Metrics

The current forward P/E ratio for USCB Financial Holdings Inc (USCB.O) is 10.63, compared to its 5-year average forward P/E of 11.71. For a more detailed relative valuation and DCF analysis to assess USCB Financial Holdings Inc 's fair value, click here.

Forward PE

StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Fair
5Y Average PE
11.71
Current PE
10.63
Overvalued PE
13.16
Undervalued PE
10.25

Forward EV/EBITDA

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

StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Fair
5Y Average PS
3.58
Current PS
3.67
Overvalued PS
4.31
Undervalued PS
2.86

Financials

Annual
Quarterly
FY2025Q2
YoY :
+18.92%
24.40M
Total Revenue
FY2025Q2
YoY :
+31.35%
10.74M
Operating Profit
FY2025Q2
YoY :
+31.10%
8.14M
Net Income after Tax
FY2025Q2
YoY :
+29.03%
0.40
EPS - Diluted
FY2025Q1
YoY :
-13.50%
150.15M
Free Cash Flow
FY2025Q2
YoY :
-100.00%
N/A
FCF Margin - %
FY2025Q2
YoY :
+10.24%
33.36
Net Margin - %
FY2025Q2
YoY :
+54.01%
8.44
ROIC

Trading Trends

Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
502.2K
USD
2
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
1
33.4K
USD
Months
0-12
2
109.3K
USD
Months
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
0-3
Months
0.0
Volume
0
3-6
Months
0.0
Volume
0
6-9
Months
0.0
Volume
0
0-12
Months
0.0
Volume
0
Bought
0-3
0
0.0
Volume
Months
3-6
0
0.0
Volume
Months
6-9
0
0.0
Volume
Months
0-12
0
0.0
Volume
Months
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months

USCB News & Events

Events Timeline

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
2025-01-21 (ET)
2025-01-21
15:33:37
U.S. Century Bank increases quarterly dividend 100% to 10c per share
select
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News

9.5
07:10 AMYahoo Finance
PinnedUSCB Financial Holdings Inc (USCB) Q2 2025 Earnings Call Highlights: Record EPS Growth and ...
9.5
07-24Newsfilter
PinnedUSCB Financial Holdings, Inc. Reports Record Fully Diluted EPS of $0.40 for Q2 2025; ROAA of 1.22% and ROAE of 14.29%
4.0
06-17NASDAQ.COM
Validea Motley Fool Strategy Daily Upgrade Report - 6/17/2025
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FAQ

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

The current price of USCB is 17.31 USD — it has increased 0.76 % in the last trading day.

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

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What is the price predicton of USCB Stock?

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

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

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

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

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