USCB Financial Holdings, Inc./$USCB
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About USCB Financial Holdings, Inc.
USCB Financial Holdings Inc is a community bank. Through its network of branches and its online banking platform, it offers customers a wide range of financial products and services such as Personal and Business Checking, Savings, Credit Cards, and Real Estate Loans.
Ticker
$USCB
Sector
Primary listing
Employees
199
Headquarters
Website
USCB Metrics
BasicAdvanced
$330M
11.18
$1.47
0.61
$0.35
2.43%
Price and volume
Market cap
$330M
Beta
0.61
52-week high
$19.72
52-week low
$15.39
Average daily volume
23K
Dividend rate
$0.35
Financial strength
Dividend payout ratio (TTM)
19.95%
Profitability
Net profit margin (TTM)
33.66%
Operating margin (TTM)
46.28%
Effective tax rate (TTM)
24.17%
Revenue per employee (TTM)
$440,000
Management effectiveness
Return on assets (TTM)
1.15%
Return on equity (TTM)
13.71%
Valuation
Price to earnings (TTM)
11.184
Price to revenue (TTM)
3.709
Price to book
1.43
Price to tangible book (TTM)
1.43
Price to free cash flow (TTM)
8.144
Free cash flow yield (TTM)
12.28%
Free cash flow per share (TTM)
2.019
Dividend yield (TTM)
2.13%
Forward dividend yield
2.43%
Growth
Revenue change (TTM)
32.07%
Earnings per share change (TTM)
67.08%
3-year revenue growth (CAGR)
9.40%
3-year earnings per share growth (CAGR)
-30.48%
Bulls say / Bears say
USCB Financial posted Q2 2025 net income of $8.1 million, up 30.6% year-over-year, or $0.40 per diluted share. (GlobeNewswire)
Net interest margin widened to 3.28% in Q2 2025 from 2.94% a year ago, driven by strong loan growth and disciplined deposit pricing. (Nasdaq)
Total loans and deposits rose 13.1% and 13.6% year-over-year to $2.1 billion and $2.3 billion, demonstrating robust balance sheet growth. (GlobeNewswire)
Q2 2025 GAAP revenue was $21.0 million, missing analysts’ estimate of $23.7 million, pointing to potential pressure on the top line. (The Motley Fool)
The ratio of non-performing loans to total loans rose to 0.06% from 0.04% year-over-year, suggesting a modest decline in asset quality. (GlobeNewswire)
Accumulated comprehensive loss increased to $41.8 million as of June 30, 2025, negatively affecting tangible book value per share. (GlobeNewswire)
Data summarised monthly by Lightyear AI. Last updated on 5 Oct 2025.
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Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for USCB Financial Holdings, Inc. stock?
USCB Financial Holdings, Inc. (USCB) has a market cap of $330M as of October 12, 2025.
What is the P/E ratio for USCB Financial Holdings, Inc. stock?
The price to earnings (P/E) ratio for USCB Financial Holdings, Inc. (USCB) stock is 11.18 as of October 12, 2025.
Does USCB Financial Holdings, Inc. stock pay dividends?
Yes, the USCB Financial Holdings, Inc. (USCB) stock pays dividends to shareholders. As of October 12, 2025, the dividend rate is $0.35 and the yield is 2.43%. USCB Financial Holdings, Inc. has a payout ratio of 19.95% on a trailing twelve-month basis.
When is the next USCB Financial Holdings, Inc. dividend payment date?
The next USCB Financial Holdings, Inc. (USCB) dividend payment date is unconfirmed.
What is the beta indicator for USCB Financial Holdings, Inc.?
USCB Financial Holdings, Inc. (USCB) has a beta rating of 0.61. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.