USCB Financial (USCB) Stock Price, News & Analysis

Company Overview

USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that engages in the provision of various personal and business banking products and services in the United States. It accepts various deposit products, including commercial and consumer checking, money market deposit, savings, and time deposit accounts, as well as certificates of deposit. It also offers loan products, such as small business administration loans, yacht financing, residential and commercial real estate loans; commercial and industrial loans; foreign bank loans; and secured and unsecured consumer loans comprising personal loans, overdrafts, and deposit account collateralized loans. The company also offers lockbox, treasury, commercial payments, cash management, and online banking services, as well as provides title insurance policies for real estate transactions. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida.

Key Stats

• Today's Range: $16.84 to $17.14
• 50-Day Range: $16.50 to $19.48
• 52-Week Range: $10.25 to $21.86
• Volume: 23,978 shs
• Average Volume: 27,872 shs
• Market Capitalization: $342.10 million
• P/E Ratio: 13.87
• Dividend Yield: 2.34%
• Price Target: $17.50
• Consensus Rating: Moderate Buy

USCB Financial Stock Analysis - MarketRank™

USCB Financial scored higher than 48% of companies evaluated by MarketBeat, and ranked 664th out of 951 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

USCB Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 2 buy ratings, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

USCB Financial has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 12.66%

Earnings Growth

Earnings for USCB Financial are expected to grow by 12.66% in the coming year, from $1.58 to $1.78 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of USCB Financial is 13.87, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 21.39.

Price to Earnings Ratio vs. Sector

The P/E ratio of USCB Financial is 13.87, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.53.

Price to Book Value per Share Ratio

USCB Financial has a P/B Ratio of 1.74. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

1.36% of the float of USCB Financial has been sold short.

Short Interest Ratio / Days to Cover

USCB Financial has a short interest ratio ("days to cover") of 5.1.

Change versus previous month

Short interest in USCB Financial has recently increased by 139.21%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

USCB Financial pays a meaningful dividend of 2.39%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

USCB Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of USCB Financial is 32.52%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, USCB Financial will have a dividend payout ratio of 22.47% next year. This indicates that USCB Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.36% of the float of USCB Financial has been sold short.

Short Interest Ratio / Days to Cover

USCB Financial has a short interest ratio ("days to cover") of 5.1.

Change versus previous month

Short interest in USCB Financial has recently increased by 139.21%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.61

News Sentiment

USCB Financial has a news sentiment score of 0.61. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.83 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for USCB Financial this week, compared to 2 articles on an average week.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, USCB Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

48.50% of the stock of USCB Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

61.34% of the stock of USCB Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

USCB Stock Analysis - Frequently Asked Questions

How have USCB shares performed this year?

USCB Financial's stock was trading at $17.75 on January 1st, 2025. Since then, USCB stock has decreased by 3.9% and is now trading at $17.06.
View the best growth stocks for 2025 here.

How were USCB Financial's earnings last quarter?

USCB Financial Holdings, Inc. (NASDAQ:USCB) released its earnings results on Thursday, January, 23rd. The company reported $0.34 EPS for the quarter, missing the consensus estimate of $0.36 by $0.02. USCB Financial had a net margin of 17.14% and a trailing twelve-month return on equity of 12.14%.
Read the conference call transcript.

When did USCB Financial IPO?

USCB Financial (USCB) raised $40 million in an IPO on Friday, July 23rd 2021. The company issued 3,600,000 shares at $10.00-$12.50 per share. Keefe, Bruyette & Woods (a Stifel company) acted as the underwriter for the IPO and Raymond James & Associates and Piper Sandler & Co. ar were co-managers.

Who are USCB Financial's major shareholders?

USCB Financial's top institutional shareholders include Rhumbline Advisers (0.09%). Insiders that own company stock include Howard Feinglass, Robert B Anderson and Ramon A Rodriguez.
View institutional ownership trends.

How do I buy shares of USCB Financial?

Shares of USCB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of USCB Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that USCB Financial investors own include JPMorgan Chase & Co. (JPM), Tesla (TSLA), Advanced Micro Devices (AMD), Netflix (NFLX), NVIDIA (NVDA), Meta Platforms (META) and Home Depot (HD).

Company Calendar

• Last Earnings: 1/23/2025
• Record date for 3/5 Dividend: 2/14/2025
• Ex-Dividend for 3/5 Dividend: 2/14/2025
• Dividend Payable: 3/05/2025
• Today: 4/19/2025
• Next Earnings (Estimated): 4/24/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:USCB
• CIK: 1901637
• Web: www.uscentury.com
• Phone: 305-715-5200
• Fax: N/A
• Employees: 196
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $17.50
• High Stock Price Target: $20.00
• Low Stock Price Target: $16.00
• Potential Upside/Downside: +2.6%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $1.23
• Trailing P/E Ratio: 13.87
• Forward P/E Ratio: 10.80
• P/E Growth: N/A
• Net Income: $24.67 million
• Net Margins: 17.14%
• Pretax Margin: 19.84%
• Return on Equity: 12.14%
• Return on Assets: 0.99%

Debt

• Debt-to-Equity Ratio: 0.55
• Current Ratio: 0.91
• Quick Ratio: 0.91

Sales & Book Value

• Annual Sales: $82.68 million
• Price / Sales: 4.14
• Cash Flow: $0.80 per share
• Price / Cash Flow: 21.36
• Book Value: $9.82 per share
• Price / Book: 1.74

Miscellaneous

• Outstanding Shares: 20,053,000
• Free Float: 10,218,000
• Market Cap: $342.10 million
• Optionable: Not Optionable
• Beta: 0.65