Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

USCB stock hub

USCB Financial Holdings, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

343.7M

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

USCB

In the news

Latest news · USCB

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E9.2

P25 8.8P50 10.4P75 13.1

Trailing P/E13

P25 10.9P50 14.7P75 36.2

ROE12.4

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All USCB market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

198

Groups with data

Currency

USD

Showing 198 of 198 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0001901637
Company name	USCB Financial Holdings, Inc.
Country	United States
Country code	US
Cusip	90355N101
Employees	211
Employees Change	6%
Employees Change Percent	2.93
Enterprise value	$357.1M
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
IPO Date	2021-07-23
Isin	US90355N1019
Last refreshed	2026-05-10
Market cap	$343.7M
Market cap category	Small-Cap
Price	$18.78
Price currency	USD
Rev Per Employee	432,094.79x
Sector	Financials
Sic	6022
Symbol	USCB
Website	https://www.uscentury.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	8.09%
EV Earnings	12.85x
EV Sales Forward	3.14x
EV/Sales	3.92x
Forward P/E	9.24x
P/B ratio	1.54x
P/E ratio	12.98x
P/S ratio	3.77x
PE Ratio3 Y	12.86x
PE Ratio5 Y	12.54x
PS Forward	3.02x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	$91.2M
Net Income	$27.8M
Net Income Growth	0.26%
Net Income Growth Q	22.11%
Net Income Growth Years	2%
Net Income Growth3 Y	9.63%
Net Income Growth5 Y	20.95%
Pretax Margin	41.14%
Profit Margin	30.48%
Profit Per Employee	$131,720
Profitable Years	4
ROA	1.01
Roa5y	1
ROE	12.4
Roe5y	10.94

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr1y	13.18%
Cagr3y	29.26%
EPS Growth	4.35
EPS Growth Q	34.21
EPS Growth Years	2
EPS Growth3 Y	11.38
EPS Growth5 Y	6.25
Revenue Growth	7.95x
Revenue Growth Q	14.66x
Revenue Growth Years	2x
Revenue Growth3 Y	10.3x
Revenue Growth5 Y	12.38x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$2.8B
Cash	$79M
Debt	$92.3M
Equity	$223.2M
Liabilities	$2.6B
Net Cash	$-13.4M
Net Cash By Market Cap	$-3.89
Net Debt Equity	$0.06
Tangible Book Value	$223.2M
Tangible Book Value Per Share	$12.23
WACC	5.63

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-2.4B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	4.01%
Dividend Growth	50%
Dividend Growth Years	2%
Dividend per share	$0.5
Dividend Years	3
Dividend Yield	2.66%
Ex Div Date	2026-05-15
Last Dividend	$0.13
Payout Frequency	Quarterly
Payout Ratio	31.03%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
1Y total return	13.17%
200-day SMA	18.23
3Y total return	116%
50-day SMA	18.84
50-day SMA vs 200-day SMA	50over200
All Time High	21.86
All Time High Change	-14.09%
All Time High Date	2024-11-11
All Time Low	8.56
All Time Low Change	119.39%
All Time Low Date	2023-05-04
ATR	0.64
Beta	0.53
Beta1y	0.51
Beta2y	0.84
Ch YTD	1.95
High	18.96
High52	20.79
High52 Date	2026-01-22
High52ch	-9.65%
Low	18.1
Low52	15.57
Low52 Date	2025-06-17
Low52ch	20.66%
Ma50ch	-0.31%
Price vs 200-day SMA	3.01%
RSI	49.65
RSI Monthly	61.33
RSI Weekly	51.3
Sharpe ratio	0.44x
Sortino ratio	0.87
Total Return	6.67%
Tr YTD	2.6
Tr1m	-2.44%
Tr1w	2.34%
Tr3m	-6.11%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	2
Analyst Count Top	2
Analyst Price Target Top	$23
Analyst Ratings	Strong Buy
Analyst Ratings Top	Strong Buy
Earnings EPS Estimate	$0.47
Earnings EPS Estimate Growth	23.68
Earnings Revenue Estimate	25,942,400x
Earnings Revenue Estimate Growth	13.63x
Operating Income	$39.2M
Operating margin	43
Price target	$23
Price Target Change	$22.47
Price Target Change Top	$22.47

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	14,724,323%
Float Percent	80.62%
Shares Insiders	3.62%
Shares Institutions	68.69%
Shares Out	18,263,900
Shares Qo Q	0.57%
Shares Yo Y	-4.01%
Short Float	0.9%
Short Ratio	3.26
Short Shares	0.72

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	73,179.1x
Bv Per Share	12.23
Ch1m	-2.44
Ch1w	2.34
Ch1y	10.54
Ch3m	-6.71
Ch3y	106.8
Ch6m	5.21
Change	2.29%
Change From Open	2.57
Close	18.36
Days Gap	-0.27
Dollar Volume	3,932,212.7
Earnings Date	2026-04-23
Earnings Time	amc
EPS	$1.45
F Score	2
Fiscal Year End	December
Founded	2,002
Graham Number	19.97617
Graham Upside	6.14
Income Tax	$9.7M
Ipr	87.8
Iprfo	75.51
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-23
Last Report Date	2026-03-31
Last Split Type	Never
Last10k Filing Date	2026-03-13
Lynch Fair Value	$30.38
Lynch Upside	61.43
Ma150	18.59
Ma150ch	1.02%
Ma20	19.04
Ma20ch	-1.34%
Next Earnings Date	2026-07-23
Open	18.31
Optionable	No
Payment Date	2026-06-05
Position In Range	79.07
Post Close	18.78
Postmarket Change Percent	0.21
Postmarket Price	$18.82
Price Date	2026-05-08
Ptbv Ratio	1.54
Relative Volume	2.86x
Revenue	91,172,000x
Tax By Revenue	10.65x
Tax Rate	25.89%
Tr6m	6.47%
Us State	Florida
Volume	209,383

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

USCB dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+2.7%

$0.50 annual per share

Payout ratio

+31.0%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

n/a

2 consecutive years of growth

Total shareholder yield

+6.7%

Next ex-dividend date: 2026-05-15

Performance

USCB stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns USCB?

Insider, institutional, and short-interest positioning.

Institutional ownership

+68.7%

Float: +80.6% of shares outstanding

Insider ownership

+3.6%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

USCB momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

49.6

Neutral momentum band

Price vs 200-day MA

+3.0%

50/200-day relationship not available

Beta (5Y)

0.53

Less volatile than the market

Sharpe ratio

0.44

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

USCB vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	घटाएँ
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	घटाएँ
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	घटाएँ

Questions

About USCB

Hub-level FAQ points readers to the deeper analysis pages.

What is the current USCB stock rating?

USCB Financial Holdings, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full USCB analysis?

The full report lives at /stocks/USCB/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for USCB?

The latest report frames USCB around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the USCB page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.