USCB Financial Holdings, Inc./$USCB
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About USCB Financial Holdings, Inc.
USCB Financial Holdings Inc is a bank holding company. Through its banking subsidiary, it offers relationship-based banking products, services, and solutions to a diverse set of clients in the local markets it operates in and international clients with U.S. banking needs. The Group's products and services offerings mainly include traditional deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, etc.; e-banking services; title insurance policies for real estate transactions; and a variety of lending products such as small business loans, commercial real estate loans, business credit cards, etc.; and others. Geographically, its primary banking market is South Florida.
- Ticker
- $USCB
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 222
- Headquarters
- Doral, United States
- Website
- www.uscentury.com
USCB Metrics
BasicAdvanced
$363M
12.36
$1.59
0.44
$0.48
2.54%
Price and volume
Market cap
$363M
Beta
0.44
52-week high
$23.89
52-week low
$17.03
Average daily volume
81K
Dividend rate
$0.48
Financial strength
Profitability
Net profit margin (TTM)
30.37%
Operating margin (TTM)
43.07%
Effective tax rate (TTM)
26.45%
Revenue per employee (TTM)
$430,000
Management effectiveness
Return on assets (TTM)
1.01%
Return on equity (TTM)
13.37%
Valuation
Price to earnings (TTM)
12.364
Price to revenue (TTM)
3.725
Price to book
1.58
Price to tangible book (TTM)
1.58
Dividend yield (TTM)
2.41%
Forward dividend yield
2.54%
Growth
Revenue change (TTM)
4.56%
Earnings per share change (TTM)
1.35%
3-year revenue growth (CAGR)
13.96%
3-year earnings per share growth (CAGR)
20.04%
What the Analysts think about USCB
Analyst ratings (Buy, Hold, Sell) for USCB Financial Holdings, Inc. stock.
Analyst projections of the future price of USCB Financial Holdings, Inc. stock.
Bulls say / Bears say
USCB reported its highest quarterly net income since its 2021 IPO: third-quarter profit rose to $9.5 million and diluted EPS increased to $0.51 from $0.45 a year earlier. Return on average equity was a strong 16.03%. (U.S. Century Bank)
Earnings from lending improved: net interest income rose 14.2% year on year, while the net interest margin widened to 3.37% from 3.14%. Lower deposit costs helped support the improvement. (U.S. Century Bank)
Loans grew 9% year on year to $2.3 billion, and management reported record loan production in the second quarter. Its new deposit service for 1031 property exchanges had attracted $22 million since launch, adding another potential route to relationship growth. (U.S. Century Bank, StockAnalysis)
The loan book remains concentrated in South Florida commercial property: commercial real estate represented about 58% of loans at the end of the third quarter. A regional or property-market downturn could therefore have an outsized effect on credit losses. (U.S. Century Bank, U.S. Securities and Exchange Commission)
Non-performing loans increased to $7.7 million, or 0.33% of loans, from $1.3 million and 0.06% a year earlier. The ratio remains modest, but the sharp rise is a warning that credit quality has weakened. (U.S. Century Bank)
Deposits fell 0.4% year on year even as loans grew 9%; average Federal Home Loan Bank advances rose to $121 million from $40 million. Greater use of wholesale funding could leave earnings more exposed to funding costs and market access. (U.S. Century Bank)
Data summarised monthly by Lightyear AI. Last updated on 23 Oct 2026.
USCB Financial Performance
Revenues and expenses
USCB Earnings Performance
Company profitability
Upcoming events
USCB News
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Funds containing USCB
Fund name | Fund size | $USCB weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.00% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.00% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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