NASDAQ:USCB USCB Financial (USCB) Stock Price, News & Analysis $18.82 -0.36 (-1.85%) As of 12:40 PM Eastern This is a fair market value price provided by Polygon.io. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock About USCB Financial Stock (NASDAQ:USCB) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get USCB Financial alerts:Sign Up Key Stats Today's Range$18.75▼$19.0050-Day Range$17.60▼$20.0052-Week Range$10.25▼$21.86Volume4,162 shsAverage Volume27,004 shsMarket Capitalization$377.30 millionP/E Ratio15.30Dividend Yield2.13%Price Target$17.50Consensus RatingBuy Company OverviewUSCB 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.Read More… Remove Ads USCB Financial Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks63rd Percentile Overall ScoreUSCB MarketRank™: USCB Financial scored higher than 63% of companies evaluated by MarketBeat, and ranked 525th out of 939 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion1.5 / 5Analyst RatingBuy Consensus RatingUSCB Financial has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 2 buy ratings, 1 hold rating, and no sell ratings.Amount of Analyst CoverageUSCB Financial has received no research coverage in the past 90 days.Read more about USCB Financial's stock forecast and price target. Earnings and Valuation2.5 / 5Proj. Earnings Growth12.66% Earnings GrowthEarnings 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 MarketThe P/E ratio of USCB Financial is 15.30, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 23.47.Price to Earnings Ratio vs. SectorThe P/E ratio of USCB Financial is 15.30, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.93.Price to Book Value per Share RatioUSCB Financial has a P/B Ratio of 1.92. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.Read more about USCB Financial's valuation and earnings. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.47% of the float of USCB Financial has been sold short.Short Interest Ratio / Days to CoverUSCB Financial has a short interest ratio ("days to cover") of 2.1, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in USCB Financial has recently increased by 0.64%, indicating that investor sentiment is decreasing. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldUSCB Financial pays a meaningful dividend of 2.07%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthUSCB Financial does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of USCB Financial is 32.52%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased 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.Read more about USCB Financial's dividend. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted0.47% of the float of USCB Financial has been sold short.Short Interest Ratio / Days to CoverUSCB Financial has a short interest ratio ("days to cover") of 2.1, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in USCB Financial has recently increased by 0.64%, indicating that investor sentiment is decreasing. News and Social Media2.4 / 5News SentimentN/A News SentimentUSCB Financial has a news sentiment score of 1.39. 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 higher news sentiment than the 0.94 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 1 news article for USCB Financial this week, compared to 1 article on an average week. Company Ownership3.3 / 5Insider TradingN/A Insider Buying vs. Insider SellingIn the past three months, USCB Financial insiders have not sold or bought any company stock.Percentage Held by Insiders48.50% 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 Institutions61.34% of the stock of USCB Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.Read more about USCB Financial's insider trading history. Receive USCB Stock News and Ratings via Email Sign-up to receive the latest news and ratings for USCB Financial and its competitors with MarketBeat's FREE daily newsletter. Email Address USCB Stock News HeadlinesWith 57% ownership of the shares, USCB Financial Holdings, Inc. (NASDAQ:USCB) is heavily dominated by institutional ownersMarch 12, 2025 | finance.yahoo.comUSCB Financial Holdings Reports Record Earnings and GrowthJanuary 28, 2025 | tipranks.comWhat Trump’s planning nextTrump’s Final Reset Inside the shocking plot to re-engineer America’s financial system…and why you need to move your money now.March 25, 2025 | Porter & Company (Ad)USCB Financial Holdings, Inc. (NASDAQ:USCB) Q4 2024 Earnings Call TranscriptJanuary 26, 2025 | insidermonkey.comUSCB Financial Holdings Inc (USCB) Q4 2024 Earnings Call Highlights: Record Net Income and ...January 25, 2025 | finance.yahoo.comUSCB Financial Holdings (NASDAQ:USCB) Has Announced That It Will Be Increasing Its Dividend To $0.10January 25, 2025 | finance.yahoo.comKBW Keeps Their Buy Rating on USCB Financial Holdings, Inc. Class A (USCB)January 25, 2025 | markets.businessinsider.comUSCB Financial Holdings, Inc. Class A (USCB) Receives a Buy from Piper SandlerJanuary 25, 2025 | markets.businessinsider.comSee More Headlines USCB Stock Analysis - Frequently Asked Questions How have USCB shares performed this year? USCB Financial's stock was trading at $17.75 at the beginning of 2025. Since then, USCB stock has increased by 6.0% and is now trading at $18.8150. View the best growth stocks for 2025 here. How were USCB Financial's earnings last quarter? USCB Financial Holdings, Inc. (NASDAQ:USCB) issued its quarterly earnings data on Thursday, January, 23rd. The company reported $0.34 earnings per share (EPS) for the quarter, missing the consensus estimate of $0.36 by $0.02. USCB Financial had a trailing twelve-month return on equity of 12.14% and a net margin of 17.14%. When did USCB Financial IPO? USCB Financial (USCB) raised $40 million in an initial public offering on Friday, July 23rd 2021. The company issued 3,600,000 shares at a price of $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 investors include Endeavour Capital Advisors Inc. (6.58%), Alliancebernstein L.P. (4.57%), Mendon Capital Advisors Corp (3.40%) and Basswood Capital Management L.L.C. (2.59%). 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 Earnings1/23/2025Ex-Dividend for 3/5 Dividend2/14/2025Dividend Payable3/05/2025Today3/25/2025Next Earnings (Estimated)4/24/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry State commercial banks Sub-IndustryBanking Current SymbolNASDAQ:USCB CIK1901637 Webwww.uscentury.com Phone305-715-5200FaxN/AEmployees196Year FoundedN/APrice Target and Rating Average Stock Price Target$17.50 High Stock Price Target$20.00 Low Stock Price Target$16.00 Potential Upside/Downside-7.0%Consensus RatingBuy Rating Score (0-4)3.00 Research Coverage4 Analysts Profitability EPS (Most Recent Fiscal Year)$1.23 Trailing P/E Ratio15.30 Forward P/E Ratio11.91 P/E GrowthN/ANet Income$24.67 million Net Margins17.14% Pretax Margin19.84% Return on Equity12.14% Return on Assets0.99% Debt Debt-to-Equity Ratio0.55 Current Ratio0.91 Quick Ratio0.91 Sales & Book Value Annual Sales$82.68 million Price / Sales4.56 Cash Flow$0.88 per share Price / Cash Flow21.36 Book Value$9.82 per share Price / Book1.92Miscellaneous Outstanding Shares20,053,000Free Float10,218,000Market Cap$377.30 million OptionableNot Optionable Beta0.64 20 High-Yield Dividend Stocks that Could Ruin Your RetirementAlmost everyone loves strong dividend-paying stocks, but high yields can signal danger. Discover 20 high-yield dividend stocks paying an unsustainably large percentage of their earnings. Enter your email to get this report and avoid a high-yield dividend trap.Get This Free Report This page (NASDAQ:USCB) was last updated on 3/25/2025 by MarketBeat.com Staff From Our PartnersYour Wealth is Under AttackPlease don't wait—this is your moment to take action. Download your Wealth Protection Guide now, claim your fr...American Alternative | SponsoredA brutally honest economic warning for 2025 (see proof)New York Times best-selling financial author and world-renowned economist Addison Wiggin (a man who’s worked s...Banyan Hill Publishing | Sponsored$2 Trillion Disappears Because of Fed's Secretive New Move$2 trillion has disappeared from the US government's books. The reason why is a new, secretive move being c...Stansberry Research | SponsoredHas Trump finally met his match?Dylan Jovine predicted the 2008 crash over a year before it happened. Folks who listened to him had the chance...Behind the Markets | SponsoredCollect $7k per month from Tesla’s SECRET dividendTesla doesn't pay a traditional dividend.... But I just discovered a secret backdoor to collect a secret 69...Investors Alley | SponsoredDOGE officially begins retirement transformationElon Musk's Department of Government Efficiency ("DOGE") just announced the first-ever "fully digital retireme...Altimetry | Sponsored“Amazon Coin” set to outperform BitcoinChris Rowe – the man who recommended Amazon in 1998… Bitcoin and Ethereum in 2017… And has spotted 44 diffe...True Market Insiders | SponsoredEx CIA predicts 40% “double crash” – April 11The scientists here don’t study deadly viruses… directed energy weapons… or even weather control technology… ...Paradigm Press | Sponsored Adding Choose a watchlist: Watchlist Adding You have already added five stocks to your watchlist. Upgrade to MarketBeat All Access to add more stocks to your watchlist. Adding USCB Financial Holdings, Inc. Please log in to your account or sign up in order to add this asset to your watchlist. Share USCB Financial With A Colleague Link copied to clipboard. Get 30 Days of MarketBeat All Access for Free Sign up for MarketBeat All Access to gain access to MarketBeat's full suite of research tools. Start Your 30-Day Trial MarketBeat All Access Features Best-in-Class Portfolio Monitoring Get personalized stock ideas. Compare portfolio to indices. Check stock news, ratings, SEC filings, and more. Stock Ideas and Recommendations See daily stock ideas from top analysts. Receive short-term trading ideas from MarketBeat. Identify trending stocks on social media. Advanced Stock Screeners and Research Tools Use our seven stock screeners to find suitable stocks. Stay informed with MarketBeat's real-time news. Export data to Excel for personal analysis. Sign in to your free account to enjoy these benefits In-depth profiles and analysis for 20,000 public companies. Real-time analyst ratings, insider transactions, earnings data, and more. Our daily ratings and market update email newsletter. Sign in to your free account to enjoy all that MarketBeat has to offer. Sign In Create Account Your Email Address: Email Address Required Your Password: Password Required Log In or Sign in with Facebook Sign in with Google Forgot your password? Your Email Address: Please enter your email address. Please enter a valid email address Choose a Password: Please enter your password. Your password must be at least 8 characters long and contain at least 1 number, 1 letter, and 1 special character. Create My Account (Free) or Sign in with Facebook Sign in with Google By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.