NASDAQ:USCB USCB Financial (USCB) Stock Price, News & Analysis $16.53 -1.34 (-7.50%) As of 12:09 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$16.25▼$16.8950-Day Range$16.50▼$19.4852-Week Range$10.25▼$21.86Volume9,180 shsAverage Volume27,999 shsMarket Capitalization$331.46 millionP/E Ratio13.41Dividend Yield2.42%Price Target$17.50Consensus RatingModerate Buy 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… USCB Financial Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks48th Percentile Overall ScoreUSCB MarketRank™: USCB Financial scored higher than 48% of companies evaluated by MarketBeat, and ranked 664th out of 949 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion1.3 / 5Analyst RatingModerate Buy Consensus RatingUSCB 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 CoverageUSCB Financial has only been the subject of 1 research reports 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 14.53, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 21.78.Price to Earnings Ratio vs. SectorThe P/E ratio of USCB Financial is 14.53, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.10.Price to Book Value per Share RatioUSCB Financial has a P/B Ratio of 1.82. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities. Short Interest2.0 / 5Short Interest LevelBearish Percentage of Shares Shorted1.36% 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 5.1.Change versus previous monthShort interest in USCB Financial has recently increased by 139.21%, indicating that investor sentiment is decreasing significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldUSCB Financial pays a meaningful dividend of 2.36%, 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 Shorted1.36% 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 5.1.Change versus previous monthShort interest in USCB Financial has recently increased by 139.21%, indicating that investor sentiment is decreasing significantly. News and Social Media1.9 / 5News Sentiment0.49 News SentimentUSCB Financial has a news sentiment score of 0.49. 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 0.94 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 8 news articles for USCB Financial this week, compared to 2 articles 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 HeadlinesUSCB Financial Holdings, Inc. Reports Record Fully Diluted EPS of $0.38 for Q1 2025, a 65% increase over same period last year; ROAA of 1.19% and ROAE of 14.15%April 24 at 4:30 PM | globenewswire.comUSCB Financial Holdings, Inc. Declares Quarterly Cash Dividend of $0.10 per ShareApril 23 at 10:21 AM | nasdaq.comFeds Just Admitted It—They Can Take Your CashHere’s the cold truth: If your money is sitting idle in a bank account, it’s vulnerable. That’s why thousands of smart, forward-thinking individuals are making the move—out of the system and into real, untouchable assets. Because once your funds are frozen, it’s too late.April 25, 2025 | Priority Gold (Ad)USCB Financial (USCB) Expected to Announce Earnings on ThursdayApril 22 at 3:37 AM | americanbankingnews.comUSCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common StockApril 21, 2025 | globenewswire.comAnalyzing USCB Financial (NASDAQ:USCB) & John Marshall Bancorp (NASDAQ:JMSB)April 16, 2025 | americanbankingnews.comShort Interest in USCB Financial Holdings, Inc. (NASDAQ:USCB) Expands By 139.2%April 15, 2025 | americanbankingnews.comUSCB Financial Holdings Insiders Placed Bullish Bets Worth US$571.0kApril 12, 2025 | finance.yahoo.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 start of the year. Since then, USCB stock has increased by 0.7% and is now trading at $17.87. View the best growth stocks for 2025 here. How were USCB Financial's earnings last quarter? USCB Financial Holdings, Inc. (NASDAQ:USCB) announced its earnings results on Thursday, April, 24th. The company reported $0.38 earnings per share (EPS) for the quarter, hitting analysts' consensus estimates of $0.38. The company earned $22.83 million during the quarter, compared to the consensus estimate of $22.94 million. 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 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 Record date for 3/5 Dividend2/14/2025Ex-Dividend for 3/5 Dividend2/14/2025Dividend Payable3/05/2025Last Earnings4/24/2025Today4/25/2025Record date for 6/5 Dividend5/15/2025Ex-Dividend for 6/5 Dividend5/15/2025Dividend Payable6/05/2025Fiscal 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-2.1%Consensus RatingModerate Buy Rating Score (0-4)2.50 Research Coverage4 Analysts Profitability EPS (Most Recent Fiscal Year)$1.23 Trailing P/E Ratio14.53 Forward P/E Ratio11.31 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 / Sales4.33 Cash Flow$0.84 per share Price / Cash Flow21.36 Book Value$9.82 per share Price / Book1.82Miscellaneous Outstanding Shares20,053,000Free Float10,218,000Market Cap$358.35 million OptionableNot Optionable Beta0.65 7 AI Stocks to Invest in Today: Capitalizing on AI and Tech Trends in 2025Discover the top 7 AI stocks to invest in right now. 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