USCB Financial Holdings Inc USCB

FinancialsBanking ServicesUnited States of America

Last close 20.07 USD on Nov 2, 2026, +11.0% year to date

Quant rating

Quant rating D Rank 573 of 799 in Financials

Growth B 138 of 799
Valuation B 290 of 799
Quality C 551 of 799
Revisions D 607 of 799
Momentum C 532 of 799

Wall Street consensus Buy (2.40)Average target 23.25 USD +15.8%

Historical valuation

Multiples use consensus estimates for the next twelve months. The dashed line is the 5-year average.

Key data

Market cap: 371M
Enterprise value: 402M
52-week range: 17.00 – 23.48
3-year range: 10.25 – 23.48
Dividend yield: 2.52%
Beta (5 years): 0.51
Shares outstanding: 18.5M
Next earnings: Jan 20, 2027

About the company

USCB Financial Holdings, Inc. is the bank holding company for U.S. Century Bank (the Bank). The Bank offers customers a wide range of financial products and services and supports numerous community organizations, including the Greater Miami Chamber of Commerce, the South Florida Hispanic Chamber of Commerce, and ChamberSouth. The Bank focuses on serving small-to-medium sized businesses (SMBs) and catering to the needs of local business owners, entrepreneurs and professionals in South Florida. In addition to its traditional commercial banking services, it also offers certain specialty banking products, services and solutions designed for small businesses, homeowner associations, law firms, medical practices and other professional services firms, and global banking services. Its specialty banking offerings include small business administration (SBA) lending, yacht lending, homeowner association services, and jurist advantage and private client group services, among others.

Growth and profitability fiscal year ends December 31

Growth and profitability by fiscal year
	2025	2024	2023	2022	2021	5Y avg
Revenue (mil)	145	131	101	71.1	56.7	–
Revenue growth	10.9%	29.9%	42.1%	25.3%	7.8%	22.5%
EPS (basic, normalized)	1.34	1.25	0.84	1.01	−3.57	–
EPS growth	7.1%	48.7%	−16.3%	–	–	28.4%
Gross margin	–	–	–	–	–	–
Net margin	17.9%	18.8%	16.4%	28.3%	−124.4%	−8.6%
ROE	–	12.1%	8.8%	10.4%	9.3%	10.2%

Balance sheet, last quarter
Cash & short-term investments (mil)	–
Tier 1 risk-adjusted capital ratio	11.0%
Long-term debt (mil)	39.4
Net debt (mil)	–
Total equity (mil)	229
Net debt / equity	–

Estimates and valuation

Consensus estimates and implied multiples
	Sales (mil)			Book value per share			EPS
Fiscal year	Mean est.	Growth	EV/Sales	Mean est.	Growth	P/B	Mean est.	Growth	P/E
2025 actual	145	+10.9%	2.8x	11.97	+6.3%	1.7x	1.67	+34.7%	12.0x
2026	112	−23.2%	3.6x	13.26	+10.8%	1.5x	2.00	+20.0%	10.0x
2027	122	+9.4%	3.3x	15.09	+13.8%	1.3x	2.19	+9.5%	9.1x
2028	127	+3.9%	3.2x	16.27	+7.9%	1.2x	2.37	+8.2%	8.5x

Estimate revisions

Change in consensus estimates over 1, 3 and 6 months
	Sales				EPS
Fiscal year	Estimate (mil)	1M	3M	6M	Estimate	1M	3M	6M
2026	112	−1.4%	−1.4%	+2.8%	2.00	−4.7%	−4.7%	−0.6%
2027	122	−2.4%	−2.4%	+2.7%	2.19	−6.4%	−6.4%	−0.1%
2028	127	–	–	–	2.37	–	–	–

Earnings surprises EPS beat in 4 of the last 4 quarters

Reported results versus consensus, last 10 fiscal quarters
Quarter ended	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales reported (mil)	17.6	20.5	21.5	23.0	22.8	24.4	25.0	18.0	26.2	27.9
Sales mean (mil)	17.2	18.4	20.7	22.4	22.9	23.7	25.0	26.2	26.0	26.7
Surprise	+2.6%	+11.2%	+3.9%	+2.6%	−0.5%	+2.9%	−0.3%	−31.3%	+0.9%	+4.5%
EPS reported	0.23	0.31	0.35	0.34	0.38	0.40	0.47	0.44	0.51	0.49
EPS mean	0.21	0.23	0.31	0.36	0.38	0.38	0.42	0.32	0.47	0.49
Surprise	+10.8%	+31.9%	+13.6%	−6.8%	+1.1%	+5.3%	+11.9%	+35.8%	+7.6%	+0.8%

Peer comparison Banking Services

Peers in the same industry group, by market capitalization
Company	Market cap	Tier 1 ratio	Net margin	Deposits/loans	FY1 P/E	FY2 P/E	FY1 P/B	FY2 P/B
USCB USCB Financial Holdings Inc	371M	11.0%	17.9%	1.08x	10.0x	9.1x	1.5x	1.3x
TFC Truist Financial Corporation	60.1B	12.0%	–	–	10.7x	10.3x	1.0x	1.0x
RF Regions Financial Corporation	24.6B	11.8%	29.1%	1.39x	10.9x	10.1x	1.4x	1.3x
FCNCA First Citizens BancShares, Inc.	28.2B	11.7%	18.2%	1.10x	12.0x	11.0x	1.3x	1.2x
PNFP Pinnacle Financial Partners, Inc.	15.8B	10.7%	22.4%	1.22x	10.2x	9.0x	1.1x	1.0x
FHN First Horizon Corporation	11.2B	11.8%	22.8%	1.06x	11.0x	10.1x	1.3x	1.2x
Mean		11.5%	22.1%	1.17x	10.8x	9.9x	1.3x	1.2x
Median		11.8%	22.4%	1.10x	10.8x	10.1x	1.3x	1.2x

Technical analysis

1M−11.0%
3M−8.1%
1Y+19.2%
3Y+96.2%

Financial statements in millions of USD

Income statement in millions of USD, fiscal years

Income statement, USCB Financial Holdings Inc, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Interest income	145	131	101	71.1	56.7	52.6
Total interest expense	61.9	61.3	42.4	7.4	4.2	9.0
Net interest income	83.6	69.9	58.6	63.7	52.5	43.6
Loan loss provision	2.3	3.2	2.4	2.5	−0.2	3.2
Net interest income after loan loss provision	81.3	66.8	56.2	61.2	52.7	40.3
Non-interest income	6.6	12.7	7.4	5.2	10.7	6.1
Non-interest expense	−52.0	−47.0	−41.8	−39.3	−35.7	−33.0
Net income before taxes	35.9	32.5	21.8	27.1	27.7	13.4
Provision for taxes	9.8	7.8	5.3	6.9	6.6	2.6
Minority interest & equity in affiliates	–	–	–	–	–	–
Other	0	0	0	0	0	0
Net income before extraordinary items	26.1	24.7	16.5	20.1	21.1	10.8
Extraordinary items	–	–	–	–	–	–
Net income	26.1	24.7	16.5	20.1	21.1	10.8
Basic weighted average shares (mil)	19.4	19.7	19.6	20.0	20.0	20.0
Diluted weighted average shares (mil)	19.7	19.8	19.7	20.0	20.0	20.0
Basic EPS excluding extraordinary items	1.34	1.25	0.84	1.01	−3.53	0.38
Basic EPS, normalized	1.34	1.25	0.84	1.01	−3.57	0.38

Balance sheet in millions of USD, fiscal years

Balance sheet, USCB Financial Holdings Inc, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Assets
Cash & due from banks	6.0	7.0	8.0	6.6	6.5	9.8
Other earning assets	572	565	504	517	609	401
Net loans	2,164	1,949	1,760	1,490	1,175	1,023
Property, plant & equipment	9.8	13.0	16.3	19.7	19.5	20.9
Goodwill	–	–	–	–	–	–
Intangibles	–	–	–	–	–	–
Long-term investments	–	–	–	–	–	–
Other long-term assets	18.0	29.6	37.3	42.4	34.9	39.2
Other assets	21.5	17.8	13.6	10.3	8.8	7.1
Total assets	2,792	2,581	2,339	2,086	1,854	1,502
Liabilities
Accounts payable	–	–	–	–	–	–
Payable/accrued	–	–	–	–	–	–
Accrued expenses	21.9	22.0	19.0	23.1	22.2	20.8
Total deposits	2,345	2,174	1,937	1,829	1,590	1,273
Other bearing liabilities	158	163	183	46.0	36.0	36.0
Short-term borrowings	–	–	–	–	–	–
Current portion of long-term debt	–	–	–	–	–	–
Long-term debt	39.3	0	0	0	0	0
Minority interest	–	–	–	–	–	–
Other liabilities	9.8	6.9	8.0	5.0	1.4	0.5
Total liabilities	2,574	2,366	2,147	1,903	1,650	1,331
Shareholders' equity
Preferred stock	–	–	–	–	–	−93.4
Common stock	18.1	19.9	19.6	20.0	20.0	10.0
Additional paid-in capital	279	308	305	311	311	178
Retained earnings (accumulated deficit)	−49.5	−67.8	−88.5	−104	−124	−53.6
Treasury stock	–	–	–	–	–	–
Other equity	−30.3	−44.5	−44.3	−44.8	−2.5	130
Total equity	217	215	192	182	204	171
Total liabilities & shareholders' equity	2,792	2,581	2,339	2,086	1,854	1,502

Cash flow statement in millions of USD, fiscal years

Cash flow statement, USCB Financial Holdings Inc, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Operating activities
Net income	26.1	24.7	16.5	20.1	21.1	10.8
Depreciation, depletion & amortization	0.6	0.6	0.6	0.7	1.0	1.3
Deferred taxes	6.8	7.7	5.3	6.9	6.6	2.6
Non-cash items	0.5	0.6	−2.1	−1.6	−4.6	−2.8
Changes in working capital	8.8	1.3	2.3	3.4	−2.0	1.2
Cash from operations	42.8	34.8	22.5	29.5	22.1	13.1
Investing activities
Capital expenditures	−0.3	−0.3	−0.2	−0.7	−0.6	−0.3
Other investing cash flows	−245	−212	−273	−270	−359	−178
Cash from investing	−245	−213	−273	−271	−359	−179
Financing activities
Financing cash flow items	166	217	245	249	317	178
Cash dividends paid	−7.8	−3.9	–	0	−2.1	–
Issuance (retirement) of debt, net	–	–	–	–	–	–
Other financing cash flows	5.6	0.8	−7.5	0.1	20.9	0
Cash from financing	164	214	237	249	336	178
Foreign exchange effects	–	–	–	–	–	–
Net change in cash	−38.6	36.0	−13.1	7.9	−1.5	12.0
Free cash flow	42.5	34.5	22.4	28.9	21.4	12.8

Disclaimer

The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.

This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.

QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.

Live quote provided by TradingView. Report data updated Nov 2, 2026 after market close.