USCB logo

USCB FINANCIAL HOLDINGS INC

USCBNASDAQ
πŸ† #3113 by market capEarnings Oct 22US Equity
$22.29β–Ό $0.35 (βˆ’1.59%)
πŸŒ™ After hours$22.29β–² 0.00%Regular close Β· extended-hours price shown
πŸ””
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24hβ–Ό 1.6%
7dβ–Ό 2.6%
14dβ–Ό 3.8%
30dβ–Ό 0.8%
ytdβ–² 20.9%
1yβ–² 29.1%
🏦Market Cap
$411M
Small Cap
πŸ“ˆRevenue Growth (YoY)
β€”
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
β€”
βš–οΈP/S Ratio
β€”
Otter Score
64
Fair

Trading Snapshot

Day Range
$22.18 – $22.53
52-Week Range
$16.36 – $23.89
Volume
$2.83B
Avg Volume
$3.59B
Shares Outstanding
18.5M
Next Earnings
Oct 20, 2026

Fundamentals Snapshot

Annual Revenue
$152M
Last Q Revenue
$43M
P/E Ratio
14.6
P/S Ratio
β€”
EPS (TTM)
$1.52
Dividend Yield
2.01%
Dilution (1yr)
βˆ’9.1%

Why Investors Own USCB

  • βœ“High-growth profile β€” revenue up +33.0% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 33% gross margin and 14% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

USCB logo

USCB FINANCIAL HOLDINGS INC

USCB
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$152Mβ–² +5.6% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
58.1%β–² +5.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$36Mβ–² +10.6% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$43Mβ–² +25.8% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
18.3Mβ–Ό βˆ’9.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$8Mβ–² +$86M YoY
StockOtter Β· stockotter.space

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
64/100

Analyst Price Target

β“˜
Average Target
$26.96
β–² +20.9% Upside
High Target$29.46
Low Target$21.66
Based on 12 analysts

Latest News & Updates

Defense WorldΒ·Aug 13

Dimensional Fund Advisors LP Has $3.69 Million Stock Holdings in USCB Financial Holdings, Inc. $USCB

Dimensional Fund Advisors LP raised its holdings in USCB Financial Holdings, Inc. (NASDAQ: USCB) by 15.2% during the first quarter, according to its most recent disclosure with the Securities and Exchange Commission. The

Seeking AlphaΒ·Jul 24

USCB Financial Holdings, Inc. (USCB) Q2 2026 Earnings Call Transcript

USCB Financial Holdings, Inc. (USCB) Q2 2026 Earnings Call Transcript

MarketBeatΒ·Jul 24

USCB Financial Q2 Earnings Call Highlights

USCB Financial NASDAQ: USCB reported second-quarter 2026 net income of $9.1 million, or $0.49 per diluted share, up from $0.40 per diluted share a year earlier. The company said the quarter was marked by record loan prod

Zacks Investment ResearchΒ·Jul 23

USCB Financial (USCB) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

Although the revenue and EPS for USCB Financial (USCB) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates and

Zacks Investment ResearchΒ·Jul 23

USCB Financial Holdings, Inc. (USCB) Q2 Earnings Match Estimates

USCB Financial Holdings, Inc. (USCB) came out with quarterly earnings of $0.49 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $0.4 per share a year ago.

GlobeNewsWireΒ·Jul 23

USCB Financial Holdings, Inc. Surpasses $3 Billion in Assets with 14.6% Annualized Linked-Quarter Loan Growth; Achieves Q2 2026 EPS of $0.49, 3.49% Net Interest Margin, ROAA of 1.26%, and ROAE of 15.90%

MIAMI, July 23, 2026 (GLOBE NEWSWIRE) -- USCB Financial Holdings, Inc. (the β€œCompany”) (NASDAQ: USCB), the holding company for U.S. Century Bank (the β€œBank”), reported net income of $9.1 million or $0.49 per fully dilute