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  3. USCB
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USCB

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    Overview
    Forecast
    Valuation
    Earnings
High
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Open
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VWAP
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Vol
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Mkt Cap
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Low
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Amount
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EV/EBITDA(TTM)
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Total Shares
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EV
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EV/OCF(TTM)
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Market Estimates

Earnings Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q4
FY2026Q1
FY2026Q2
26.34M
+14.6%
0.498
+46.47%
26.67M
+16.82%
0.498
+31.05%
27.47M
+12.56%
0.512
+28%
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 -0.06% over the past three months. During the same period, the stock price has changed by 5.34%.
Revenue Estimates for FY2025
Revise Downward
down Image
-0.06%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward
up Image
+5.98%
In Past 3 Month
Stock Price
Go Up
up Image
+5.34%
In Past 3 Month
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 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: 18.360
sliders
Low
21.00
Averages
22.00
High
23.00
Current: 18.360
sliders
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
to
Hold
Downgrades
n/a
2025-04-02
Reason
Raymond James
Michael Rose
Price Target
n/a
2025-04-02
Downgrades
Buy
to
Hold
Reason
Raymond James downgraded USCB Financial to Market Perform from Outperform.
See All Ratings

Valuation Metrics

The current forward P/E ratio for USCB Financial Holdings Inc (USCB.O) is 8.96, compared to its 5-year average forward P/E of 11.46. For a more detailed relative valuation and DCF analysis to assess USCB Financial Holdings Inc 's fair value, click here.
  • Forward PE
  • Forward EV/EBITDA
  • Forward PS

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
Undervalued
5Y Average PE
11.46
Current PE
8.96
Overvalued PE
13.06
Undervalued PE
9.86

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
N/A
5Y Average PS
3.55
Current PS
0.00
Overvalued PS
4.25
Undervalued PS
2.84
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Financial AI Agent

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
  • Hedge Fund
  • Congress Trading
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
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USCB News & Events

Events Timeline

(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
Sign Up For More Events
Sign Up For More Events

News

[object Object]
Preview
4.0
11-12NASDAQ.COM
Daily Upgrade Report for Validea's Peter Lynch Strategy - November 12, 2025

  • Boston Beer Company Rating: The Boston Beer Company Inc. (SAM) received a rating increase from 0% to 87% based on Peter Lynch's investment strategy, indicating strong interest due to its favorable fundamentals and valuation.

  • USCB Financial Holdings Rating: USCB Financial Holdings Inc. (USCB) saw its rating rise from 83% to 93%, reflecting strong interest as per Peter Lynch's criteria, highlighting its solid fundamentals and valuation in the Money Center Banks industry.

  • Peter Lynch's Investment Philosophy: Peter Lynch, renowned for his successful management of Fidelity's Magellan Fund, emphasizes investing in businesses with strong fundamentals that are easy to understand, making his strategies accessible to everyday investors.

  • Validea's Research Service: Validea provides investment research based on the strategies of legendary investors like Peter Lynch, offering stock analysis and model portfolios aimed at outperforming the market over the long term.

[object Object]
Preview
9.5
10-24NASDAQ.COM
USCB Financial Holdings, Inc. Reports Increase in Q3 Profit, Surpassing Expectations

  • Earnings Performance: USCB Financial Holdings, Inc. reported third-quarter earnings of $8.94 million, or $0.45 per share, an increase from $6.95 million, or $0.35 per share, in the previous year.

  • Analyst Expectations: The earnings exceeded analysts' expectations, who had forecasted an average of $0.42 per share.

  • Revenue Growth: The company's revenue rose by 16.0% to $24.99 million, compared to $21.55 million in the same quarter last year.

  • Earnings Summary: Key figures include earnings of $8.94 million, EPS of $0.45, and revenue of $24.99 million, all showing significant year-over-year growth.

[object Object]
Preview
9.5
10-24NASDAQ.COM
USCB Financial (USCB) Q3 Earnings: Analyzing Key Metrics Against Estimates

  • USCB Financial Holdings Performance: USCB reported $24.96 million in revenue for Q3 2025, a 15.8% year-over-year increase, with an EPS of $0.45, surpassing the consensus estimate of $0.42.

  • Market Expectations: The revenue fell slightly short of the Zacks Consensus Estimate of $25.07 million, resulting in a -0.45% surprise, while the EPS exceeded expectations by 7.14%.

  • Quantum Computing Advancements: Quantum computing is rapidly evolving, with major tech companies like Microsoft, Google, and Amazon integrating it into their infrastructures, indicating its potential to surpass AI.

  • Investment Opportunities: Senior Stock Strategist Kevin Cook has identified seven stocks that could lead in the quantum computing sector, suggesting a significant investment opportunity for those looking to capitalize on this emerging technology.

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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 18.36 USD — it has increased 0.6 % in the last trading day.

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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.

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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 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.

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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.

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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.

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

The market is revising Downward the revenue expectations for USCB Financial Holdings, Inc. (USCB) for FY2025, with the revenue forecasts being adjusted by -0.06% over the past three months. During the same period, the stock price has changed by 5.34%.
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How many employees does USCB Financial Holdings Inc (USCB). have?

USCB Financial Holdings Inc (USCB) has 199 emplpoyees as of December 05 2025.

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

Today USCB has the market capitalization of 332.51M USD.

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