USCB
USCB Financial Holdings, Inc.
Price Chart
Latest Quote
$19.09
-0.20 (-1.04%)
Current Price
| Previous Close | $19.29 |
| Open | $19.33 |
| Day High | $19.61 |
| Day Low | $19.00 |
| Volume | 70,978 |
Stock Information
| Shares Outstanding | 18.26M |
| Total Debt | $105.93M |
| Cash Equivalents | $87.88M |
| Revenue | $91.17M |
| Net Income | $27.79M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $348.66M |
| P/E Ratio | 12.99 |
| EPS (TTM) | $1.47 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $370.36M |
| Sales | $91.17M |
| Income | $27.79M |
| Book/sh | $12.23 |
| Cash/sh | $4.81 |
| Employees | 211 |
Financial Ratios
| EPS Growth TTM | 22.10% |
Returns & Margins
| ROA | 1.01% |
| ROE | 12.40% |
| Operating Margin | 47.92% |
| Profit Margin | 30.48% |
Ownership
| Insider Ownership | 24.59% |
| Institutional Ownership | 65.92% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 8.69 |
| P/S | 3.82 |
| P/B | 1.56 |
Analyst Data
| Recommendation | none |
| Target Price | $21.70 |
Technical Indicators
| SMA20 | $18.81 |
| SMA50 | $18.80 |
| SMA200 | $18.25 |
| RSI | 58.31 |
| ATR | 0.5439 |
| Shares Float | 14.77M |
| Short Float | 1.21% |
| Short Ratio | 1.76 |
| Volatility | 0.52 |
| Rel Volume | 1.56 |
Performance History
| Week | -1.34% |
| Month | +5.70% |
| Quarter | +8.17% |
| 6 Months | +0.23% |
| YTD | +6.25% |
| Year | +23.51% |
| 3 Years | +94.51% |
| 10 Years | +85.52% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-17 | $19.09 | 73,066 |
| 2026-06-16 | $19.29 | 71,200 |
| 2026-06-15 | $19.52 | 37,700 |
| 2026-06-12 | $19.55 | 28,900 |
| 2026-06-11 | $19.50 | 23,800 |
| 2026-06-10 | $19.35 | 35,900 |
| 2026-06-09 | $19.07 | 58,600 |
| 2026-06-08 | $18.63 | 25,300 |
| 2026-06-05 | $18.79 | 28,600 |
| 2026-06-04 | $18.59 | 29,600 |
| 2026-06-03 | $18.03 | 38,600 |
| 2026-06-02 | $18.56 | 34,000 |
| 2026-06-01 | $18.31 | 46,000 |
| 2026-05-29 | $18.54 | 38,000 |
| 2026-05-28 | $18.54 | 33,200 |
| 2026-05-27 | $18.52 | 26,200 |
| 2026-05-26 | $18.73 | 38,500 |
| 2026-05-22 | $18.62 | 38,600 |
| 2026-05-21 | $18.54 | 127,500 |
| 2026-05-20 | $18.41 | 105,800 |
| 2026-05-19 | $17.99 | 43,500 |
| 2026-05-18 | $18.06 | 21,500 |
About USCB Financial Holdings, Inc.
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 services; correspondent banking services for banks in certain Latin America and the Caribbean countries. It also provides deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, and certificates of deposit; treasury, commercial payment, and cash management services; insured cash sweep and certificate of deposit account registry services; and clients title insurance policies for real estate transactions. The company was founded in 2002 and is headquartered in Doral, Florida.
đ° Latest News
There's A Lot To Like About USCB Financial Holdings' (NASDAQ:USCB) Upcoming US$0.125 Dividend
Simply Wall St. âĸ 2026-05-11T12:00:33Z
Patriot Financial Partners Makes Major TowneBank Investment
Motley Fool âĸ 2026-05-06T23:19:59Z
How The Story Is Shifting For USCB Financial Holdings (USCB) After Mixed Analyst Targets
Simply Wall St. âĸ 2026-05-01T13:28:00Z
USCB Financial Q1 Earnings Call Highlights
MarketBeat âĸ 2026-04-27T18:43:02Z
USCB (USCB) Q1 2026 Earnings Call Transcript
Motley Fool âĸ 2026-04-24T16:21:12Z
USCB Financial Holdings, Inc. Q1 2026 Earnings Call Summary
Moby âĸ 2026-04-24T12:30:00Z
USCB Financial (USCB) Reports Q1 Earnings: What Key Metrics Have to Say
Zacks âĸ 2026-04-23T22:30:01Z
USCB Financial Holdings, Inc. (USCB) Q1 Earnings Miss Estimates
Zacks âĸ 2026-04-23T21:55:08Z
First Community (FCCO) Q1 Earnings Surpass Estimates
Zacks âĸ 2026-04-22T14:15:01Z
USCB (USCB) Q4 2025 Earnings Call Transcript
Motley Fool âĸ 2026-04-21T18:09:39Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $90,222,000 | $82,676,000 | $65,971,000 | $68,728,000 |
| Operating Revenue | $90,222,000 | $82,676,000 | $65,971,000 | $68,728,000 |
| Expenses | ||||
| Interest Expense | $61,857,000 | $61,297,000 | $42,449,000 | $7,439,000 |
| General And Administrative Expense | $32,167,000 | $28,793,000 | $24,429,000 | $23,943,000 |
| Professional Expense And Contract Services Expense | $1,941,000 | $1,568,000 | $1,899,000 | $2,808,000 |
| Other Non Interest Expense | $12,571,000 | $11,423,000 | $10,250,000 | $7,500,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $26,100,000 | $24,674,000 | $16,545,000 | $20,141,000 |
| Net Interest Income | $83,630,000 | $69,936,000 | $58,568,000 | $63,661,000 |
| Interest Income | $145,487,000 | $131,233,000 | $101,017,000 | $71,100,000 |
| Normalized Income | $26,100,000 | $24,674,000 | $16,545,000 | $20,021,216 |
| Net Income From Continuing And Discontinued Operation | $26,100,000 | $24,674,000 | $16,545,000 | $20,141,000 |
| Net Income Common Stockholders | $26,100,000 | $24,674,000 | $16,545,000 | $20,141,000 |
| Net Income | $26,100,000 | $24,674,000 | $16,545,000 | $20,141,000 |
| Net Income Including Noncontrolling Interests | $26,100,000 | $24,674,000 | $16,545,000 | $20,141,000 |
| Net Income Continuous Operations | $26,100,000 | $24,674,000 | $16,545,000 | $20,141,000 |
| Pretax Income | $35,916,000 | $32,477,000 | $21,796,000 | $27,085,000 |
| Special Income Charges | - | - | $0 | $161,000 |
| Per Share | ||||
| Diluted EPS | $1.34 | $1.24 | $0.84 | $1.00 |
| Basic EPS | $1.34 | $1.25 | $0.84 | $1.01 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $41,216 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $619,000 | $587,000 | $590,000 | $688,000 |
| Diluted Average Shares | $19,650,814 | $19,831,421 | $19,687,634 | $20,176,838 |
| Basic Average Shares | $19,425,746 | $19,675,444 | $19,621,698 | $19,999,323 |
| Diluted NI Availto Com Stockholders | $26,100,000 | $24,674,000 | $16,545,000 | $20,141,000 |
| Tax Provision | $9,816,000 | $7,803,000 | $5,251,000 | $6,944,000 |
| Selling General And Administration | $32,167,000 | $28,793,000 | $24,429,000 | $23,943,000 |
| Salaries And Wages | $32,167,000 | $28,793,000 | $24,429,000 | $23,943,000 |
| Occupancy And Equipment | $5,330,000 | $5,258,000 | $5,230,000 | $5,058,000 |
| Gain On Sale Of Security | - | $14,000 | $-1,859,000 | $-2,529,000 |
| Total Unusual Items | - | - | $0 | $161,000 |
| Total Unusual Items Excluding Goodwill | - | - | $0 | $161,000 |
| Other Special Charges | - | - | - | $-161,000 |
| Otherunder Preferred Stock Dividend | - | - | - | - |
| Preferred Stock Dividends | - | - | - | - |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-11
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $217,183,000 | $215,388,000 | $191,968,000 | $182,428,000 |
| Total Assets | $2,791,540,000 | $2,581,216,000 | $2,339,093,000 | $2,085,834,000 |
| Receivables | $11,661,000 | $10,945,000 | $10,688,000 | $7,546,000 |
| Accounts Receivable | $11,661,000 | $10,945,000 | $10,688,000 | $7,546,000 |
| Cash And Cash Equivalents | $38,477,000 | $77,035,000 | $41,062,000 | $54,168,000 |
| Cash Financial | $6,027,000 | $6,986,000 | $8,019,000 | $6,605,000 |
| Cash Cash Equivalents And Federal Funds Sold | $38,477,000 | $77,035,000 | $41,062,000 | $54,168,000 |
| Debt | ||||
| Net Debt | $159,073,000 | $85,965,000 | $141,938,000 | - |
| Total Debt | $203,069,000 | $171,451,000 | $194,423,000 | $60,395,000 |
| Long Term Debt And Capital Lease Obligation | $203,069,000 | $171,451,000 | $189,423,000 | $60,395,000 |
| Long Term Debt | $197,550,000 | $163,000,000 | $178,000,000 | $46,000,000 |
| Current Debt And Capital Lease Obligation | - | $16,000,000 | $5,000,000 | - |
| Current Debt | - | $16,000,000 | $5,000,000 | - |
| Other Current Borrowings | - | $16,000,000 | $5,000,000 | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $2,574,357,000 | $2,365,828,000 | $2,147,125,000 | $1,903,406,000 |
| Payables And Accrued Expenses | - | $20,373,000 | $15,563,000 | $13,730,000 |
| Payables | - | $20,373,000 | $15,563,000 | $13,730,000 |
| Accounts Payable | - | $20,373,000 | $15,563,000 | $13,730,000 |
| Equity | ||||
| Common Stock Equity | $217,183,000 | $215,388,000 | $191,968,000 | $182,428,000 |
| Total Equity Gross Minority Interest | $217,183,000 | $215,388,000 | $191,968,000 | $182,428,000 |
| Stockholders Equity | $217,183,000 | $215,388,000 | $191,968,000 | $182,428,000 |
| Gains Losses Not Affecting Retained Earnings | $-30,265,000 | $-44,534,000 | $-44,271,000 | $-44,751,000 |
| Other Equity Adjustments | $-30,265,000 | $-44,534,000 | $-44,271,000 | $-44,751,000 |
| Retained Earnings | $-49,542,000 | $-67,813,000 | $-88,548,000 | $-104,104,000 |
| Other | ||||
| Ordinary Shares Number | $18,137,885 | $19,924,632 | $19,575,435 | $20,000,753 |
| Share Issued | $18,137,885 | $19,924,632 | $19,575,435 | $20,000,753 |
| Tangible Book Value | $217,183,000 | $215,388,000 | $191,968,000 | $182,428,000 |
| Invested Capital | $414,733,000 | $378,388,000 | $374,968,000 | $228,428,000 |
| Capital Lease Obligations | $5,519,000 | $8,451,000 | $11,423,000 | $14,395,000 |
| Total Capitalization | $414,733,000 | $378,388,000 | $369,968,000 | $228,428,000 |
| Additional Paid In Capital | $278,852,000 | $307,810,000 | $305,212,000 | $311,282,000 |
| Capital Stock | $18,138,000 | $19,925,000 | $19,575,000 | $20,001,000 |
| Common Stock | $18,138,000 | $19,925,000 | $19,575,000 | $20,001,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $5,519,000 | $8,451,000 | $11,423,000 | $14,395,000 |
| Investments And Advances | $461,431,000 | $424,915,000 | $404,303,000 | $418,839,000 |
| Held To Maturity Securities | $153,941,000 | $164,694,000 | $174,974,000 | $188,699,000 |
| Available For Sale Securities | $307,490,000 | $43,019,000 | $229,329,000 | $230,140,000 |
| Net PPE | $9,766,000 | $13,014,000 | $16,259,000 | $19,658,000 |
| Accumulated Depreciation | $-23,324,000 | $-22,705,000 | $-22,118,000 | $-21,528,000 |
| Gross PPE | $33,090,000 | $35,719,000 | $38,377,000 | $41,186,000 |
| Leases | $10,587,000 | $10,584,000 | $10,457,000 | $10,451,000 |
| Machinery Furniture Equipment | $14,060,000 | $13,760,000 | $13,573,000 | $13,416,000 |
| Buildings And Improvements | $7,471,000 | $10,403,000 | $13,375,000 | $1,952,000 |
| Land And Improvements | $972,000 | $972,000 | $972,000 | $972,000 |
| Other Short Term Investments | $0 | $260,221,000 | $229,329,000 | - |
| Treasury Shares Number | - | - | $0 | - |
| Other Properties | - | - | $11,423,000 | $14,395,000 |
Fetched: 2026-06-11
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $42,502,000 | $34,523,000 | $22,383,000 | $28,864,000 |
| Operating Activities | ||||
| Operating Cash Flow | $42,805,000 | $34,837,000 | $22,546,000 | $29,537,000 |
| Cash Flow From Continuing Operating Activities | $42,805,000 | $34,837,000 | $22,546,000 | $29,537,000 |
| Operating Gains Losses | $6,525,000 | $-761,000 | $1,058,000 | $1,638,000 |
| Investing Activities | ||||
| Capital Expenditure | $-303,000 | $-314,000 | $-163,000 | $-673,000 |
| Investing Cash Flow | $-245,410,000 | $-212,608,000 | $-273,002,000 | $-270,601,000 |
| Cash Flow From Continuing Investing Activities | $-245,410,000 | $-212,608,000 | $-273,002,000 | $-270,601,000 |
| Net Other Investing Changes | $-3,944,000 | $774,000 | $-14,111,000 | $-782,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-34,554,000 | $-501,000 | $-7,583,000 | $0 |
| Issuance Of Capital Stock | $804,000 | $1,319,000 | $75,000 | $102,000 |
| Financing Cash Flow | $164,047,000 | $213,744,000 | $237,350,000 | $249,004,000 |
| Cash Flow From Continuing Financing Activities | $164,047,000 | $213,744,000 | $237,350,000 | $249,004,000 |
| Cash Dividends Paid | $-7,829,000 | $-3,939,000 | $0 | - |
| Preferred Stock Dividend Paid | $-7,829,000 | $-3,939,000 | $0 | - |
| Net Common Stock Issuance | $-33,750,000 | $818,000 | $-7,508,000 | $102,000 |
| Common Stock Issuance | $804,000 | $1,319,000 | $75,000 | $102,000 |
| Net Other Financing Charges | - | - | - | - |
| Common Stock Dividend Paid | - | - | - | - |
| Net Preferred Stock Issuance | - | - | - | - |
| Other | ||||
| Repayment Of Debt | $-341,500,000 | $-247,000,000 | $-392,350,000 | $-116,000,000 |
| Issuance Of Debt | $376,050,000 | $227,000,000 | $529,350,000 | $126,000,000 |
| Interest Paid Supplemental Data | $59,998,000 | $60,544,000 | $41,306,000 | $7,306,000 |
| End Cash Position | $38,477,000 | $77,035,000 | $41,062,000 | $54,168,000 |
| Beginning Cash Position | $77,035,000 | $41,062,000 | $54,168,000 | $46,228,000 |
| Changes In Cash | $-38,558,000 | $35,973,000 | $-13,106,000 | $7,940,000 |
| Common Stock Payments | $-34,554,000 | $-501,000 | $-7,583,000 | $0 |
| Net Issuance Payments Of Debt | $34,550,000 | $-20,000,000 | $137,000,000 | $10,000,000 |
| Net Long Term Debt Issuance | $34,550,000 | $-20,000,000 | $137,000,000 | $10,000,000 |
| Long Term Debt Payments | $-341,500,000 | $-247,000,000 | $-392,350,000 | $-116,000,000 |
| Long Term Debt Issuance | $376,050,000 | $227,000,000 | $529,350,000 | $126,000,000 |
| Net Investment Purchase And Sale | $-23,045,000 | $-20,414,000 | $13,748,000 | $45,788,000 |
| Sale Of Investment | $116,796,000 | $65,259,000 | $140,915,000 | $113,640,000 |
| Purchase Of Investment | $-139,841,000 | $-85,673,000 | $-127,167,000 | $-67,852,000 |
| Net PPE Purchase And Sale | $-303,000 | $-314,000 | $-163,000 | $-673,000 |
| Purchase Of PPE | $-303,000 | $-314,000 | $-163,000 | $-673,000 |
| Change In Working Capital | $-1,026,000 | $-1,870,000 | $-1,163,000 | $-768,000 |
| Change In Other Current Assets | $-5,930,000 | $-6,223,000 | $261,000 | $-3,449,000 |
| Change In Payables And Accrued Expense | $5,620,000 | $4,610,000 | $1,718,000 | $4,252,000 |
| Change In Payable | $5,620,000 | $4,610,000 | $1,718,000 | $4,252,000 |
| Change In Account Payable | $5,620,000 | $4,610,000 | $1,718,000 | $4,252,000 |
| Change In Receivables | $-716,000 | $-257,000 | $-3,142,000 | $-1,571,000 |
| Changes In Account Receivables | $-716,000 | $-257,000 | $-3,142,000 | $-1,571,000 |
| Other Non Cash Items | $-951,000 | $-944,000 | $-2,160,000 | $-1,061,000 |
| Stock Based Compensation | $3,005,000 | $2,130,000 | $1,012,000 | $523,000 |
| Deferred Tax | $6,756,000 | $7,725,000 | $5,251,000 | $6,945,000 |
| Deferred Income Tax | $6,756,000 | $7,725,000 | $5,251,000 | $6,945,000 |
| Depreciation Amortization Depletion | $619,000 | $587,000 | $590,000 | $688,000 |
| Depreciation And Amortization | $619,000 | $587,000 | $590,000 | $688,000 |
| Gain Loss On Investment Securities | $7,526,000 | $-14,000 | $1,859,000 | $2,529,000 |
| Net Income From Continuing Operations | $26,100,000 | $24,674,000 | $16,545,000 | $20,141,000 |
| Preferred Stock Payments | - | - | - | - |
| Sale Of PPE | - | - | - | - |
| Amortization Of Securities | - | - | - | - |
| Gain Loss On Sale Of PPE | - | - | - | - |
Fetched: 2026-06-11