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USCB Financial Holdings Inc

USCB

17.850USD

+0.280+1.59%

Close 11/07, 16:00（ET）Quotes delayed by 15 min

323.22MMarket Cap

10.22P/E TTM



USCB Financial Holdings Inc

17.850

+0.280+1.59%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

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 of USCB Financial Holdings Inc

Currency: USD Updated: 2025-11-07

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. The company is performing well in the stock market, with strong fundamentals and technicals supporting the current trend. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

USCB Financial Holdings Inc's Score

Industry at a Glance

Industry Ranking

63 / 407

Overall Ranking

121 / 4614

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 5 analysts

Buy

Current Rating

20.750

Target Price

+18.10%

Upside Space

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

USCB Financial Holdings Inc 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 82.68M.

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 1.55, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 11.53M shares, decreasing 14.27% quarter-over-quarter.

Held by Keeley-Teton Advisors, LLC

Star Investor Keeley-Teton Advisors, LLC holds 33.90K shares of this stock.

Financial Health

Currency: USD Updated: 2025-11-07

The company's current financial score is 8.68, which is higher than the Banking Services industry's average of 7.05. Its financial status is weak, and its operating efficiency is high. Its latest quarterly revenue reached 24.96M, representing a year-over-year increase of 15.83%, while its net profit experienced a year-over-year increase of 28.64%.

Score

Industry at a Glance

Previous score

8.68

Change



Financials

4.66

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

9.24

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

9.51

Key Metrics

Free cash flow

No Data

USCB Financial Holdings Inc's Company Valuation

Currency: USD Updated: 2025-11-07

The company’s current valuation score is 7.90, which is higher than the Banking Services industry's average of 7.67. Its current P/E ratio is 11.19, which is 77.81% below the recent high of 19.90 and 25.09% above the recent low of 8.38.

Score

Industry at a Glance

Previous score

7.90

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 63/407

No Data

Earnings Forecast

Currency: USD Updated: 2025-11-07

The company’s current earnings forecast score is 7.60, which is higher than the Banking Services industry's average of 7.41. The average price target for USCB Financial Holdings Inc is 21.00, with a high of 23.00 and a low of 18.75.

Score

Industry at a Glance

Previous score

7.60

Change

Support & Resistance

No Data

Analyst Rating

Based on 5 analysts

Buy

Current Rating

20.750

Target Price

+18.10%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

295

Total

Median

Average

Company name

Ratings

Analysts

USCB Financial Holdings Inc

USCB

JPMorgan Chase & Co

JPM

Bank of America Corp

BAC

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: 2025-11-07

The company’s current price momentum score is 9.14, which is higher than the Banking Services industry's average of 7.61. Sideways: Currently, the stock price is trading between the resistance level at 18.35 and the support level at 16.86, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

8.91

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(1)

Neutral(1)

Buy(3)

Indicators

Value

Direction

MACD(12,26,9)

0.113

Buy

RSI(14)

60.194

Neutral

STOCH(KDJ)(9,3,3)

86.232

Buy

ATR(14)

0.372

High Vlolatility

CCI(14)

168.528

Buy

Williams %R

0.000

Overbought

TRIX(12,20)

0.064

Sell

StochRSI(14)

100.000

Overbought

Moving Average

Sell(0)

Neutral(0)

Buy(6)

Indicators

Value

Direction

MA5

17.508

Buy

MA10

17.424

Buy

MA20

17.296

Buy

MA50

17.266

Buy

MA100

17.108

Buy

MA200

17.467

Buy

Institutional Confidence

Currency: USD Updated: 2025-11-07

The company’s current institutional recognition score is 5.00, which is lower than the Banking Services industry's average of 5.27. The latest institutional shareholding proportion is 63.69%, representing a quarter-over-quarter decrease of 30.20%. The largest institutional shareholder is The Vanguard, holding a total of 745.05K shares, representing 4.11% of shares outstanding, with 83.93% increase in holdings.

Score

Industry at a Glance

Previous score

5.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Priam Capital Associates, LLC

4.02M

-11.07%

Patriot Financial Partners, L.P.

2.04M

-54.62%

Endeavour Capital Advisors Inc.

1.24M

-2.88%

AllianceBernstein L.P.

973.09K

+8.96%

The Vanguard Group, Inc.

Star Investors

745.05K

+2.20%

Mendon Capital Advisors Corp.

691.05K

+3.11%

BlackRock Institutional Trust Company, N.A.

646.61K

-1.37%

Curi Capital, LLC

570.64K

Basswood Capital Management, LLC

471.70K

-8.31%

Risk Assessment

Currency: USD Updated: 2025-11-07

The company’s current risk assessment score is 4.03, which is lower than the Banking Services industry's average of 6.61. The company's beta value is 0.60. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.