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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
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Intellectia

Loading chart...

High
18.960
Open
18.310
VWAP
18.63
Vol
209.38K
Mkt Cap
343.73M
Low
18.100
Amount
3.90M
EV/EBITDA(TTM)
13.16
Total Shares
18.26M
EV
501.71M
EV/OCF(TTM)
2.21
P/S(TTM)
3.86
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)
2026-04-23
16:50:00
Company Reports Q1 Revenue of $26.18M, Beating Expectations
select
2026-01-22 (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

News

moomoo
5.0
04-30moomoo
U.S. Century Bank (USCB.US) Director Plans to Sell $3.38 Million in Common Stock via Form 144
  • Company Announcement: Luis Aguilera, the director of U.S. Century Bank (USCB), plans to sell 182.57K shares of its common stock.
  • Market Value: The total market value of the shares to be sold is approximately $3.38 million.
  • Sale Date: The sale is scheduled to take place on May 1.
  • Stock Details: The shares are part of the bank's common stock offerings.
seekingalpha
9.5
04-24seekingalpha
USCB Financial Holdings Reports Record Q1 2026 Earnings
  • Strong Performance: USCB Financial Holdings reported a net income of $9.4 million for Q1 2026, translating to $0.51 per diluted share, which underscores the company's robust core earnings and disciplined balance sheet execution, further solidifying its market position.
  • Deposit Growth: As of March 31, 2026, USCB's deposits in Association Banking, Private Client Group, and Correspondent Banking reached $747 million, accounting for 30% of total deposits, reflecting a $62 million quarter-over-quarter increase and indicating sustained expansion in deposit business.
  • Loan Production: The total loan production for the quarter was $188 million, with 60% closing in March, demonstrating the company's active engagement in lending, although management expressed caution regarding future interest rate volatility that may impact deposit costs.
  • Strategic Expansion: USCB plans to open 2 to 4 new branches in Broward and Palm Beach counties over the next three years, aiming to support business growth through increased physical presence, while management's cautious stance on not anticipating near-term rate cuts shows adaptability to market conditions.
seekingalpha
9.5
04-23seekingalpha
U.S. Century Bank Q1 Earnings Exceed Expectations
  • Earnings Beat: U.S. Century Bank reported a Q1 GAAP EPS of $0.51, surpassing expectations by $0.04, indicating a sustained improvement in profitability and resilience in the current economic environment.
  • Significant Revenue Growth: The bank's revenue reached $26.2 million in Q1, reflecting a 14.8% year-over-year increase, exceeding expectations by $0.25 million, which highlights steady business expansion and a growing customer base, thereby boosting market confidence.
  • Quant Rating Insights: Seeking Alpha's quant rating on U.S. Century Bank underscores its competitive position within the financial sector, potentially attracting more investor interest and driving stock price appreciation.
  • Historical Performance Review: Historical earnings data for U.S. Century Bank indicates stable performance over recent quarters, with ongoing profitability laying a solid foundation for future shareholder returns and enhancing investor confidence.
Newsfilter
8.0
04-20Newsfilter
USCB Financial Holdings Declares Quarterly Cash Dividend
  • Quarterly Cash Dividend: USCB Financial Holdings' Board of Directors declared a cash dividend of $0.125 per share of Class A common stock, payable on June 5, 2026, reflecting the company's stable financial position and commitment to shareholder returns.
  • Record Date for Shareholders: The dividend will be paid to shareholders of record as of the close of business on May 15, 2026, ensuring timely distribution of shareholder benefits and enhancing investor confidence.
  • 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 headquartered in Miami, rated 5-Stars by BauerFinancial, indicating its robustness and credibility in the financial services sector.
  • Community Support: As a major community bank, USCB Financial Holdings actively supports various community organizations, including the Greater Miami Chamber of Commerce and the South Florida Hispanic Chamber of Commerce, demonstrating its contribution to the local economy and social responsibility.
Newsfilter
9.5
04-06Newsfilter
USCB Financial Holdings to Report Q1 Results and Host Conference Call
  • Earnings Release Schedule: USCB Financial Holdings will report its financial results for the quarter ended March 31, 2026, after market close on April 23, 2026, reflecting the company's financial health and operational performance at the quarter's end.
  • Conference Call Details: A conference call will be held on April 24, 2026, at 11:00 AM Eastern Time, where Chairman and CEO Luis de la Aguilera and other executives will discuss the financial results, enhancing investor understanding of the company's performance.
  • Webcast Availability: The call will be available via live audio webcast on the company's investor relations page, requiring investors to download necessary software in advance to ensure smooth listening, demonstrating the company's commitment to transparency and investor communication.
  • Company Background: USCB Financial Holdings is the bank holding company for U.S. Century Bank, established in 2002, and is one of the largest community banks headquartered in Miami, rated 5-Stars by BauerFinancial, indicating its robustness and market position in financial services.
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.
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
Piper Sandler
Stephen Scouten
Overweight
maintain
$23 -> $24
AI Analysis
2026-04-28
Reason
Piper Sandler
Stephen Scouten
Price Target
$23 -> $24
AI Analysis
2026-04-28
maintain
Overweight
Reason
Piper Sandler analyst Stephen Scouten raised the firm's price target on USCB Financial to $24 from $23 and keeps an Overweight rating on the shares. The firm notes the company reported strong results once again this quarter. Total loan and deposit growth were both strong, net interest margin was stable, and credit remains pristine. USCB continues to build out their specialty lending verticals, offering future growth opportunities as they have positioned themselves as one of the more profitable small-cap names in the SE, Piper adds.
Raymond James
Michael Rose
Strong Buy
downgrade
$23 -> $22
2026-04-27
Reason
Raymond James
Michael Rose
Price Target
$23 -> $22
2026-04-27
downgrade
Strong Buy
Reason
Raymond James analyst Michael Rose lowered the firm's price target on USCB Financial to $22 from $23 and keeps a Strong Buy rating on the shares. Quarterly results were in line with consensus on core EPS and PPNR but below internal expectations due to higher-than-expected expense growth, a softer net interest margin/net interest income outlook, and a higher tax rate, though continued investment in talent and branches is expected to support sustained double-digit loan and deposit growth with strong credit quality, improving efficiency, and above-peer profitability, the analyst tells investors in a research note.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for USCB
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Valuation Metrics

The current forward P/E ratio for USCB Financial Holdings Inc (USCB.O) is 11.45, compared to its 5-year average forward P/E of 11.44. 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
11.44
Current PE
11.45
Overvalued PE
13.01
Undervalued PE
9.87

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
0.93
Current EV/EBITDA
6.07
Overvalued EV/EBITDA
4.33
Undervalued EV/EBITDA
-2.46

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
3.49
Current PS
2.83
Overvalued PS
4.19
Undervalued PS
2.79

Financials

AI Analysis
Annual
Quarterly

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Whales Holding USCB

N
North Reef Capital Management LP
Holding
USCB
-3.74%
3M Return

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Frequently Asked Questions

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

The current price of USCB is 18.82 USD — it has increased 2.51

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 26.17M USD, increased 14.62

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 0.51 USD, increased 34.21

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

USCB Financial Holdings Inc (USCB) has 205 emplpoyees as of May 11 2026.

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

Today USCB has the market capitalization of 343.73M USD.