USCB Financial Holdings, Inc. (USCB)

NGM – Real Time Price. Currency in USD

22.40

-0.07 (-0.29%)

Market open: Aug 12, 2026, 2:37 PM EDT

22.46

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 4:10 PM EDT

Stock details

Previous close: 22.46$
Day's range: 22.11 - 22.48$
52-week range: 16.36 - 23.74$
Volume: 23 865
Average volume: 48 650
Beta: 0.1
EPS (TTM): 1.54
PE ratio (TTM): 14.74
Forward P/E: 10.77
Market cap: 414 936 582
Shares outstanding: 18 474 469
Dividend yield: $2.00 (2%)
Next earnings date: 2026-10-22
Sector: Financials
Industry: Banks - Regional

About the company

USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various personal and business banking products and services in the United States. The company offers small business administration and yacht lending services; homeowners association services, including deposit collection, lockbox services, payment services, and lending products; jurist advantage and private client group serv... read more

CEO: Luis de la Aguilera
Country: United States
IPO Date: 2021-07-23
Employees: 205
Fiscal Year End: January - December
Website: https://www.uscentury.com

Revenue Breakdown

Banking and Related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: USCB

Loading Chart...

Overall Score

5 / 1050%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $280.3M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (1.2) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	N/A	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	1.20	0.05	6.0
Debt to Assets	0.09	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.4

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	76M	108M	144M	152M	159M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	27M	22M	32M	36M	39M
Net Income	20M	17M	25M	26M	29M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	45.49	0.44	10
Net margin %	32.48	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.04	1.46	3.0
ROE	12.95	14.94	7.0
ROIC	8.67	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	16.81	23.56	9.5
Next quarter	16.16	27.27	9.5
Current year	15.58	24.91	9.5
Next year	9.71	11.79	6.5
Weighted average score			8.8

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	4.75	-2.91	4.26	247.99	4.8
Y/Y	9.15	11.52	22.5	2.56	6.8
3y average	26.82	12.36	20.04	18.3	9.0
5y average	21.69	25.49	5.09	31.52	8.8
Weighted average score					7.4

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	14.14	11.16	5.4
PEG (5yr expected)	N/A	98.42	1.0
P/S	4.25	3.37	3.6
P/B	1.75	1.53	5.2
Weighted average score			3.8

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR11.77%

FCF 5 year CAGR4

Fair value34.74$

Stock price22.46$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	2.32	2.32	7.0
Payout ratio	21.62	21.62	4.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	2.00	2.00	3.0
Weighted average score			4.7

Fair Value

$34.74

UndervaluedStock priceOvervalued

$22.46

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Luis de la Aguilera

Country

United States

IPO Date

2021-07-23

Employees

205

Fiscal Year End

January - December

Website

https://www.uscentury.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

N/A

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

1.20

0.05

6.0

Debt to Assets

0.09

9.0

Interest coverage

N/A

Weighted average score

5.4

METRIC

2022

2023

2024

2025

TTM

Total Revenue

76M

108M

144M

152M

159M

Gross Profit

N/A

Operating Income

27M

22M

32M

36M

39M

Net Income

20M

17M

25M

26M

29M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

45.49

0.44

Net margin %

32.48

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.04

1.46

3.0

ROE

12.95

14.94

7.0

ROIC

8.67

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

16.81

23.56

9.5

Next quarter

16.16

27.27

9.5

Current year

15.58

24.91

9.5

Next year

9.71

11.79

6.5

Weighted average score

8.8

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

4.75

-2.91

4.26

247.99

4.8

Y/Y

9.15

11.52

22.5

2.56

6.8

3y average

26.82

12.36

20.04

18.3

9.0

5y average

21.69

25.49

5.09

31.52

8.8

Weighted average score

7.4

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

14.14

11.16

5.4

PEG (5yr expected)

N/A

98.42

1.0

P/S

4.25

3.37

3.6

P/B

1.75

1.53

5.2

Weighted average score

3.8

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

2.32

7.0

Payout ratio

21.62

4.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

2.00

3.0

Weighted average score

4.7

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

Search stocks

USCB Financial Holdings, Inc. (USCB)

Get all premium features to the best stock analysis tool

Finranks

Company

Contact us

Follow us

USCB Financial Holdings, Inc. (USCB)

Stock details

About the company

Revenue Breakdown

News

Chart: USCB

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$34.74

$22.46

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: USCB

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$34.74

$22.46

Economic Moat