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USCB Financial Holdings Inc

USCB

17.400USD

+0.260+1.52%

Close 09/18, 16:00（ET）Quotes delayed by 15 min

349.36MMarket Cap

11.78P/E TTM



USCB Financial Holdings Inc

17.400

+0.260+1.52%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated：2025-09-18

Key Insights

The company's fundamentals are relatively stable. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Buy. Despite an average stock market performance, the company shows strong fundamentals and technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking

47 / 400

Overall Ranking

138 / 4721

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 5 analysts

Buy

Current Rating

20.650

Target Price

+20.48%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Company Highlights

StrengthsRisks

USCB Financial Holdings, Inc. is a bank holding company for U.S. Century Bank (the Bank). The Bank is a Florida state-chartered, non-Federal Reserve System member bank. It is focused on serving small-to-medium sized businesses (SMBs) and catering to the needs of local business owners, entrepreneurs, and professionals in South Florida. It provides a wide range of personal and business banking products and services. Its specialty banking offerings include small business administration (SBA) lending, yacht lending, homeowner association (HOA) services and global banking services. Its specialty banking offerings include Small Business Administration (SBA) lending, where the Company's SBA platform originates loans under Sections 7(a) and 504 of the SBA programs; yacht lending vertical provides yacht financing for larger vessels; Homeowner Association (HOA) services; Jurist Advantage and Private Client Group services, and Global Banking services.

High Growth

The company's revenue has grown steadily over the past 3 years, averaging 20.01% year-on-year.

Growing

The company is in a growing phase, with the latest annual income totaling USD 82.68M.

High Profit Growth

The company's net income leads the industry, with the latest annual income totaling USD 22.51.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 15.96%.

Overvalued

The company’s latest PB is 1.51, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 18.32M shares, decreasing 0.61% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 745.05K shares of this stock.

Financial Health

Currency: USD Updated：2025-09-18

The company's current financial score is 8.49, which is higher than the Banking Services industry's average of 7.07. Its financial status is weak, and its operating efficiency is high. Its latest quarterly revenue reached 24.40M, representing a year-over-year increase of 18.92%, while its net profit experienced a year-over-year increase of 31.10%.

Score

Industry at a Glance

Previous score

8.49

Change



Financials

4.89

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

10.00

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

8.39

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

9.20

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated：2025-09-18

The company’s current valuation score is 1.20, which is lower than the Banking Services industry's average of 1.34. Its current P/E ratio is 11.49, which is 30.93% below the recent high of 15.05 and -2.65% above the recent low of 11.80.

Score

Industry at a Glance

Previous score

1.20

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 47/400

No Data

Earnings Forecast

Currency: USD Updated：2025-09-18

The company’s current earnings forecast score is 7.60, which is higher than the Banking Services industry's average of 7.39. The average price target for USCB Financial Holdings Inc is 21.00, with a high of 23.00 and a low of 18.25.

Score

Industry at a Glance

Previous score

7.60

Change

Support & Resistance

No Data

Analyst Rating

Based on 5 analysts

Buy

Current Rating

20.650

Target Price

+20.48%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

306

Total

Median

Average

Company name

Ratings

Analysts

USCB Financial Holdings Inc

USCB

Bank of America Corp

BAC

JPMorgan Chase & Co

JPM

Wells Fargo & Co

WFC

US Bancorp

USB

Regions Financial Corp

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated：2025-09-18

The company’s current price momentum score is 6.88, which is lower than the Banking Services industry's average of 7.69. Sideways: Currently, the stock price is trading between the resistance level at 18.15 and the support level at 16.34, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

6.88

Change

0.23

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(2)

Neutral(4)

Buy(1)

Indicators

Value

Direction

MACD(12,26,9)

-0.034

Neutral

RSI(14)

52.889

Neutral

STOCH(KDJ)(9,3,3)

34.575

Neutral

ATR(14)

0.482

Low Volatility

CCI(14)

42.511

Neutral

Williams %R

59.877

Sell

TRIX(12,20)

0.072

Sell

StochRSI(14)

100.000

Buy

Moving Average

Sell(1)

Neutral(0)

Buy(5)

Indicators

Value

Direction

MA5

17.282

Buy

MA10

17.339

Buy

MA20

17.310

Buy

MA50

17.163

Buy

MA100

16.922

Buy

MA200

17.665

Sell

Institutional Confidence

Currency: USD Updated：2025-09-18

The company’s current institutional recognition score is 10.00, which is higher than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 91.25%, representing a quarter-over-quarter decrease of 0.56%. The largest institutional shareholder is The Vanguard, holding a total of 745.05K shares, representing 3.71% of shares outstanding, with 65.88% increase in holdings.

Score

Industry at a Glance

Previous score

10.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Priam Capital Associates, LLC

4.52M

Patriot Financial Partners, L.P.

4.49M

Endeavour Capital Advisors Inc.

1.28M

-2.07%

AllianceBernstein L.P.

893.11K

-1.57%

The Vanguard Group, Inc.

Star Investors

729.04K

+63.57%

Mendon Capital Advisors Corp.

670.18K

-0.69%

BlackRock Institutional Trust Company, N.A.

655.62K

-0.31%

Curi Capital, LLC

570.64K

Basswood Capital Management, LLC

514.46K

Pacific Ridge Capital Partners, LLC

364.70K

-4.80%

Risk Assessment

Currency: USD Updated：2025-09-18

The company’s current risk assessment score is 5.73, which is higher than the Banking Services industry's average of 5.23. The company's beta value is 0.61. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.