USCB Financial Holdings, Inc. USCB

22.63 (0.04) (0.18%) as of 25 Sep
Market cap
$418.8M
P/E
14.7×
Growth Flags show if company had growth for consecutive years

Insider Decisions

Total sells 8.16
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — 2 3 1 — 1 1 9 1 — — —
Insider Ownership 35.03%

Capital & Financial Ratios

Market Cap 418.82
Revenue 159.18
Net Income 28.73
Free Cash Flow 49.09
Net Debt 162.12
Current Ratio 0.97
Debt/Equity 1.20
P/E ratio 14.69
P/S ratio 2.61
P/B ratio 1.78
Past 5Y EPS Growth 12.86%
This Y EPS Growth 24.91%
Next Y EPS Growth 11.79%
Next 5Y EPS Growth 24.40%
in millions of $

Dividends

Payout Ratio 0.00
Annual Dividend Rate —
Annual Dividend Yield 0.87%
total individual payouts
2027 Powerpack
2026 0.48
0.13
0.13
0.13
2025 0.40
0.10
0.10
0.10
0.10
2024 0.20
0.05
0.05
0.05
0.05
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 41 77 38 118
Receivables — — — —
Inventory — — — —
Other — — — —
1,811 2,037 2,214 2,426
2023 2024 2025 Q'26
Payables 1,937 2,174 2,345 2,452
ST’ Debt — — — —
Other — — — —
1,953 2,194 2,371 2,494
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — 20.96% 25.83%
Cash Flow — 26.72% 13.16%
Earnings — 27.68% 9.02%
Book Value — 4.90% 5.99%

Revenue

Mar Jun Sep Dec Year
’26 41 43 — — —
’25 38 40 41 33 152
’24 33 36 37 38 144
’23 24 26 29 29 108
’22 17 18 20 20 76
’21 16 15 19 18 67
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 15 25 — — —
’25 15 18 20 (10) 43
’24 8 18 11 (3) 35
’23 9 11 8 (6) 23
’22 6 15 11 (2) 30
’21 4 10 10 (2) 22
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 15 24 — — —
’25 15 18 20 (10) 43
’24 8 18 11 (3) 35
’23 9 11 8 (6) 22
’22 5 14 11 (3) 29
’21 4 10 10 0 23
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.51 0.49 — — —
’25 0.38 0.40 0.45 0.07 1.33
’24 0.23 0.31 0.35 0.34 1.24
’23 0.29 0.21 0.19 0.14 0.84
’22 0.24 0.26 0.28 0.22 1.00
’21 0.48 0.64 (5.11) 0.30 (6.72)
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1.8
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — — — — 10.53 11.00 8.56 10.25 15.39

Analyst estimates 2026–2028

Powerpack
Low Price
— — — — — 18.75 15.67 13.10 21.86 20.49
High Price
— — — — — 187 191 196 199 205
Employees
— — — — 0 0 0 1 1 1
Revenue/Emp
— — — — 59 67 76 108 144 152
Revenue
— — — — 84.61% 93.73% 90.25% 60.85% 57.42% 59.33%
Gross Margin
— — — — 13 28 27 22 32 36
EBT
— — — — 22.83% 41.05% 35.49% 20.10% 22.56% 23.62%
EBT Margin
— — — — 11 21 20 17 25 26
Net Income
— — — — (1) (2) 0 0 1 0
Depreciation
— — — — 5.87 6.42 3.82 5.53 7.32 7.83
Revenue/Sh
— — — — 1.08 (6.72) 1.01 0.84 1.25 1.34
Earnings/Sh
— — — — 1.31 2.10 1.48 1.15 1.77 2.20
Cash Flow/Sh
— — — — (0.03) 0.10 (0.03) (0.01) (0.02) (0.02)
Capex/Sh
— — — — 1.27 2.20 1.44 1.14 1.75 2.19
Free CF/Sh
— — — — 17.09 19.40 9.12 9.78 10.95 11.18
Book Value/Sh
— — — — 10 11 20 20 20 19
Shares
— — — — 0.00 0.00 12.25 14.55 14.20 13.85
PE Ratio
— — — — 0.00 2.18 3.21 2.21 2.43 2.35
PS Ratio
— — — — 0.30 0.72 1.34 1.25 1.62 1.65
PB Ratio
— — — — 0.00 2.03 3.10 3.52 3.02 3.40
EV/Sales
— — — — 0.87 5.94 8.20 17.05 12.61 12.16
EV/FCF
— — — — 13 22 30 23 35 43
Op' Cash Flow
— — — — 0 1 (1) 0 0 0
Capex
— — — — 13 23 29 22 35 43
FCF
— — — — (204) (373) (291) (141) (158) (157)
Working Cap'
— — — — 36 36 46 183 163 198
Total Debt
— — — — (12) (10) (8) 142 86 159
Net Debt
— — — — 171 204 182 192 215 217
Sh' Equity
— — — — 0.46% (4.21%) 1.02% 0.75% 1.00% 0.97%
ROA
— — — — 5.26% 8.93% 9.71% 4.08% 6.74% 5.97%
ROIC
— — — — 4.49% (41.18%) 10.43% 8.84% 12.11% 12.07%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

USCB Financial Holdings, Inc. peers in Banks Regional

Company Market cap P/E Compare
PLBC Plumas Bancorp $428.1M 12.1× Compare
PBFS Pioneer Bancorp, Inc. $431.5M 25.6× Compare
ISTR Investar Holding Corporation $405.0M 16.7× Compare
AVBC Avidia Bancorp, Inc. $433.2M 22.8× Compare
Company Market cap P/E Compare
FRBA First Bank $435.4M 10.3× Compare
CBK Commercial Bancgroup, Inc. $435.8M 10.9× Compare
CBAN Colony Bankcorp, Inc. $440.1M 12.5× Compare
PKBK Parke Bancorp, Inc. $397.3M 8.7× Compare

All 325 Banks Regional stocks →

USCB Financial Holdings, Inc. (USCB) key facts

  • USCB Financial Holdings, Inc. (USCB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • USCB Financial Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $152.1 million, up 5.63% from fiscal 2024.
  • As of September 25, 2026, USCB traded at $22.63, a market capitalization of $418.8 million.
  • Return on equity was 12.1% and debt-to-equity 1.20.

Source: company filings (standardised) and stockrow calculations.

USCB Financial Holdings, Inc. (USCB) Latest News

News by impact score

Fine-tune

24 Jul

3

USCB Financial Holdings Inc surpassed $3 billion in assets during its Q2 2026 earnings call. Earnings highlights with $3 billion asset milestone update financial performance without indicating fundamental trajectory shifts.

3 transcript

USCB Financial Holdings reported Q2 earnings call highlights covering financial results, operational updates, and outlook for the period. Q2 earnings details may moderately shift near-term investor views on performance without altering long-term strategy.

3 transcript

USCB Financial Holdings, Inc. released its Q2 2026 earnings call summary detailing quarterly financial results and operational updates. Quarterly earnings details provide moderate insight into financial performance without indicating major strategic shifts.

23 Jul

4

USCB Financial Holdings surpasses $3 billion in assets with 14.6% annualized linked-quarter loan growth and reports Q2 2026 EPS of $0.49, 3.49% net interest margin, ROAA of 1.26%, and ROAE of 15.90%. Record asset milestone plus strong growth and profitability metrics signal major positive shift in company trajectory and investor sentiment.

3

USCB Financial Holdings reported Q2 earnings with key metrics compared directly to analyst estimates. Q2 earnings metrics versus estimates reveal performance trends that can shift near-term investor sentiment and valuation.

27 Apr

4

USCB Financial Holdings, Inc. (USCB) released highlights from its Q1 earnings call, covering financial performance, strategic updates, and forward guidance. Q1 earnings call highlights reveal financial results and outlook that significantly shape investor sentiment and stock trajectory.

24 Apr

4 transcript

USCB Financial Holdings, Inc. (USCB) released its Q1 2026 earnings call transcript detailing quarterly financial results, management discussion, and forward guidance. Quarterly earnings transcripts disclose financial metrics, operational updates, and guidance that significantly influence stock performance and investor sentiment.

4

USCB Financial Holdings, Inc. released Q1 2026 earnings call summary highlighting financial results, performance metrics, and forward guidance. Quarterly earnings call summary reveals key financials and outlook that can significantly sway stock performance and investor confidence.

23 Apr

4

USCB Financial Holdings, Inc. (USCB) reported Q1 earnings, with key metrics offering insights into financial performance. Q1 earnings reports drive significant shifts in investor sentiment and stock valuation for financial holdings companies.

4

USCB Financial Holdings, Inc. reported record quarterly results: diluted EPS of $0.51, up 33% year-over-year; ROAA 1.34%; ROAE 17.07%; and 22% net income growth. Record EPS growth of 33%, ROAE of 17.07%, and 22% net income increase demonstrate strong financial performance likely to enhance market sentiment and trajectory.

3

USCB Financial Holdings, Inc. (USCB) reported Q1 earnings that missed analyst estimates. Q1 earnings miss highlights weaker-than-expected financial results, likely causing moderate short-term pressure on stock price and investor sentiment.

21 Apr

4 transcript

USCB Financial Holdings, Inc. released the transcript of its Q4 2025 earnings call. Q4 earnings call transcripts detail annual financial results, strategic updates, and guidance that significantly shape investor expectations and market performance.

24 Jan

3

USCB Financial Holdings, Inc. (NASDAQ:USCB) has announced that its upcoming dividend will exceed last year's payout, signaling a positive trend in the company's financial health and commitment to returning value to shareholders. An increase in dividends indicates improved financial performance, which may positively influence investor sentiment.

23 Jan

4 transcript

USCB Financial Holdings, Inc. reported strong asset growth in its Q4 2025 earnings call, highlighting significant increases in both total assets and net income. The company emphasized its strategic initiatives and operational efficiencies that contributed to this growth, alongside a positive outlook for future performance. Management expressed confidence in sustaining this momentum through continued investment in key areas. Strong asset growth and strategic initiatives indicate a significant positive shift in the company's trajectory and investor sentiment.

4 transcript

USCB Financial Holdings, Inc. reported its Q4 earnings, highlighting key financial metrics and strategic initiatives. The company demonstrated growth in net income and assets, driven by increased lending activities and improved operational efficiency. Management discussed future plans to enhance digital banking services and expand market presence. The earnings call emphasized a positive outlook for the upcoming fiscal year, with expectations for continued growth and shareholder value enhancement. Significant strategic initiatives and growth in key financial metrics indicate a likely positive impact on future performance.

3

USCB Financial Holdings, Inc. (USCB) has seen a significant increase in its Relative Strength (RS) rating, which has jumped to 85. This improvement indicates a strong performance in the stock market relative to other stocks, suggesting positive investor sentiment and potential growth for the company. The increase in RS rating suggests a moderately noticeable influence on market sentiment and investor interest.

22 Jan

3

USCB Financial Holdings, Inc. (USCB) reported its Q4 earnings, revealing key metrics that were compared to analysts' estimates. The results showed variations in revenue and net income, prompting discussions about the company's financial health and future outlook. Analysts are assessing the implications of these earnings on USCB's market position and investor sentiment. The earnings report indicates moderate fluctuations in financial performance that could influence market sentiment and operational aspects.

3

USCB Financial Holdings, Inc. reported Q4 earnings and revenue that fell short of analysts' expectations, indicating potential challenges in financial performance. The company's results may raise concerns among investors regarding its future growth trajectory and market positioning. Earnings and revenue misses can moderately influence investor sentiment and financial performance.

3

USCB Financial Holdings, Inc. reported a fourth quarter 2025 fully diluted earnings per share (EPS) of $0.07, with an operating diluted EPS of $0.44, primarily excluding previously announced portfolio restructuring. The results reflect the company's ongoing adjustments and strategic focus. The reported earnings indicate a moderate influence on financial performance due to ongoing portfolio restructuring efforts.

20 Jan

4

USCB Financial Holdings, Inc. has announced a 25% increase in its common stock dividend, raising it to $0.125 per share. This decision is attributed to the company's strong operating earnings, reflecting positive financial performance and a commitment to returning value to shareholders. The dividend increase indicates strong financial health and could significantly enhance investor sentiment and market performance.

6 Jan

3

USCB Financial Holdings, Inc. will announce its fourth quarter 2025 financial results on a specified date. The announcement is anticipated by investors and stakeholders as it will provide insights into the company's performance and future outlook. The upcoming financial results may moderately influence investor sentiment and provide insights into the company's operational performance.

2 Jan

4

USCB Financial Holdings, Inc. (USCB) has been identified as a top momentum stock to consider for investment on January 2nd. The company has shown strong performance indicators, making it an attractive option for investors looking for growth opportunities in the financial sector. Analysts highlight USCB's recent achievements and market positioning as key factors contributing to its momentum. USCB's strong performance indicators and market positioning suggest significant potential for future growth and investor interest.

31 Dec

4

USCB Financial Holdings, Inc. (USCB) has been upgraded to a Strong Buy rating by analysts, reflecting positive sentiment about the company's growth potential and financial stability. This upgrade is based on recent performance metrics and market conditions that suggest a favorable outlook for USCB. Investors are encouraged to consider this upgrade as a signal of confidence in the company's future prospects. The upgrade to Strong Buy indicates significant positive sentiment that could influence investor behavior and market performance.

13 Dec

4

USCB Financial Holdings, Inc. (NASDAQ:USCB) has demonstrated notable earnings per share (EPS) growth, indicating a positive trajectory for the company. This growth, along with other financial metrics, positions USCB as an intriguing investment opportunity. Analysts are optimistic about the company's future performance, suggesting that its strategic initiatives and market positioning could lead to sustained success. Significant EPS growth and positive financial metrics indicate a likely substantial impact on future performance and investor sentiment.

5 Dec

4

USCB Financial Holdings, Inc. is undergoing a portfolio loss restructuring to address financial challenges. The company aims to optimize its asset management and improve overall financial health. This strategic move is expected to enhance operational efficiency and stabilize the company's market position amidst ongoing economic pressures. The restructuring initiative is a significant strategic move that could alter the company's trajectory and investor sentiment.

24 Oct

4

USCB Financial Holdings, Inc. reported a significant surge in margins, reinforcing a bullish narrative for investors. The company's financial performance indicates strong operational efficiency and growth potential, attracting positive market sentiment. Analysts suggest that this margin increase positions USCB favorably within its competitive landscape, enhancing its appeal to investors seeking value opportunities. The margin surge is expected to significantly impact future performance and investor sentiment.

4

USCB Financial Holdings, Inc. reported record net income for Q3 2025, showcasing strong financial performance and growth. The earnings call highlighted key metrics and strategic initiatives that contributed to this success, indicating a positive outlook for the company moving forward. Record net income and strategic initiatives suggest significant positive impact on future performance and investor sentiment.

4 transcript

USCB Financial Holdings, Inc. reported its Q3 2025 earnings, highlighting a significant increase in net income and improved asset quality. The company attributed its performance to strategic initiatives and effective cost management. Management provided insights into future growth prospects and ongoing investments in technology to enhance customer experience. Overall, the earnings call reflected a positive outlook for the company amidst a competitive banking environment. The significant increase in net income and strategic initiatives indicate a likely positive shift in the company's trajectory and investor sentiment.

23 Oct

4

USCB Financial Holdings, Inc. (USCB) reported third-quarter earnings that exceeded analysts' expectations, showcasing strong financial performance and growth. The results reflect the company's effective strategies and operational efficiency, contributing to positive market sentiment. Investors reacted favorably to the news, indicating confidence in USCB's future prospects. Earnings exceeding estimates can significantly enhance investor confidence and influence future market performance.

3

USCB Financial Holdings, Inc. (USCB) reported its Q3 earnings, revealing key metrics that were compared to analysts' estimates. The results highlighted various financial performance indicators, providing insights into the company's operational efficiency and market positioning. Investors are closely monitoring these figures to gauge future performance and strategic direction. The earnings report indicates moderate changes in financial performance that could influence market sentiment and operational aspects.

stockrow.com/USCB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com