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
$349M
11.81
$1.47
0.61
$0.35
2.30%
Price and volume
Market cap
$349M
Beta
0.61
52-week high
$19.72
52-week low
$15.39
Average daily volume
19K
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)
11.81
Price to revenue (TTM)
3.917
Price to book
1.51
Price to tangible book (TTM)
1.51
Price to free cash flow (TTM)
8.6
Free cash flow yield (TTM)
11.63%
Free cash flow per share (TTM)
2.019
Dividend yield (TTM)
2.02%
Forward dividend yield
2.30%
Growth
Revenue change (TTM)
32.07%
Earnings per share change (TTM)
69.00%
3-year revenue growth (CAGR)
9.40%
3-year earnings per share growth (CAGR)
-30.48%
Bulls say / Bears say
USCB Financial delivered record fully diluted EPS of $0.40 in Q2 2025, up from $0.31 in Q2 2024, reflecting a 29% year-over-year gain in profitability. (Nasdaq)
Total loans held for investment grew to $2.1 billion as of June 30, 2025, marking a 13.1% increase compared to Q2 2024 and underscoring robust loan production. (Nasdaq)
USCB’s net interest margin expanded to 3.28% in Q2 2025 from 2.94% a year earlier, demonstrating effective repricing of its loan portfolio and disciplined deposit pricing. (Nasdaq)
The ratio of non-performing loans to total loans rose to 0.06% at June 30, 2025 from 0.04% at June 30, 2024, indicating early signs of asset quality pressure. (Nasdaq)
Net interest margin contracted slightly on a quarterly basis in Q1 2025, declining to 3.10% from 3.16% in Q4 2024, suggesting potential margin volatility. (Investing.com)
Despite improvements, the efficiency ratio remained at 51.77% in Q2 2025, highlighting ongoing cost control challenges relative to its peers. (Nasdaq)
Data summarised monthly by Lightyear AI. Last updated on 4 Sept 2025.
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FAQs
What’s the current market cap for USCB Financial Holdings, Inc. stock?
USCB Financial Holdings, Inc. (USCB) has a market cap of $349M as of September 14, 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 11.81 as of September 14, 2025.
Does USCB Financial Holdings, Inc. stock pay dividends?
Yes, the USCB Financial Holdings, Inc. (USCB) stock pays dividends to shareholders. As of September 14, 2025, the dividend rate is $0.35 and the yield is 2.3%. 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.