USCB Financial Holdings, Inc. USCB R2K

Financial Services · Banks - Regional · United States

https://www.uscentury.com

USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various personal and business banking products and services in the United States. The company offers small business administration and yacht lending services; homeowners association services, including deposit collection, lockbox services, payment services, and lending products; jurist advantage and private client group services; correspondent banking services for banks in certain Latin America and the Caribbean countries. It also provides deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, and certificates of deposit; treasury, commercial payment, and cash management services; insured cash sweep and certificate of deposit account registry services; and clients title insurance policies for real estate transactions. The company was founded in 2002 and is headquartered in Doral, Florida.

Market & Price

Market Cap

$338.61M

Current Price

$18.54

High / Low (52W)

$20.43 / $15.40

Beta

0.53

Valuation

Stock P/E

12.61

Industry PE

12.01

Forward P/E

8.43

PEG Ratio

Book Value

$11.97

Price to Book

1.55

P/S

3.71

EV/EBITDA

Dividend Yield

2.70%

Profitability & Returns

ROCE

ROE

12.40%

ROA

1.01%

Profit Margin

30.48%

Op Margin

47.92%

EPS (Latest Qtr)

$0.51

EPS (TTM)

$1.47

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$105.93M

Total Assets

$2.79B

Current Assets

Working Capital

Ownership

Promoter Holding

24.59%

Chg in Prom Hold

FII / Inst Holding

65.94%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$356.67M

Total Revenue (TTM)

$91.17M

EBITDA

Free Cash Flow

Operating Cash Flow

$43.45M

Shares Outstanding

18.26M

Gross Margin

0.00%

Payout Ratio

28.91%

Growth (CAGR)

Revenue 5Y

9.49%

Profit 5Y

9.02%

Revenue (YoY)

14.70%

Earnings (YoY)

34.20%

PROS

Excellent profit margin of 30.5%.
Attractive dividend yield of 2.70%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	USCB USCB Financial Holdings, Inc. R2K	18.54	12.61	$338.61M	2.70%	-	12.40%	9.49%	9.02%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	22.83M	24.40M	24.96M	18.03M	26.20M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	14.86M	15.12M	16.45M	15.43M	14.98M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	10.10M	10.74M	11.80M	3.27M	11.69M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	2.44M	2.60M	2.87M	1.91M	2.33M
Net Income	4.78M	4.05M	6.59M	4.85M	5.29M	5.56M	5.81M	4.20M	3.82M	4.61M	6.21M	-	-	7.66M	8.14M	8.94M	1.36M	9.35M
Diluted EPS	-	-	-	-	-	-	-	-	-	-	-	0.35	-	0.38	0.40	0.45	-	0.51

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	68.73M	65.97M	82.68M	90.22M
Cost of Revenue	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-
Interest Expense	-	-	7.44M	42.45M	61.30M	61.86M
Pretax Income	-	-	27.09M	21.80M	32.48M	35.92M
Tax Provision	-	-	6.94M	5.25M	7.80M	9.82M
Net Income	10.82M	-	20.14M	16.55M	24.67M	26.10M
Diluted EPS	-	-	1.00	0.84	1.24	1.34

Compounded Sales Growth

5 Years:	9.49%
1 Year:	14.70%

Compounded Profit Growth

5 Years:	9.02%
1 Year:	34.20%

Stock Price Performance

1 Year:	+14.95%
6 Months:	+4.54%
3 Months:	-1.39%
1 Month:	+1.40%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	1.50B	-	2.09B	2.34B	2.58B	2.79B
Current Assets	-	-	-	-	-	-	-
Cash & Equivalents	-	47.73M	-	54.17M	41.06M	77.03M	38.48M
Inventory	-	-	-	-	-	-	-
Receivables	-	-	-	7.55M	10.69M	10.95M	11.66M
Total Liabilities	-	1.33B	-	1.90B	2.15B	2.37B	2.57B
Current Liabilities	-	-	-	-	-	-	-
Long Term Debt	-	-	-	46.00M	178.00M	163.00M	197.55M
Total Debt	-	-	-	60.40M	194.42M	171.45M	203.07M
Total Equity	160.28M	171.00M	-	182.43M	191.97M	215.39M	217.18M
Shares Outstanding	-	-	-	20.00M	19.58M	19.92M	18.14M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	13.10M	-	29.54M	22.55M	34.84M	42.80M
Investing Cash Flow	-178.78M	-	-270.60M	-273.00M	-212.61M	-245.41M
Financing Cash Flow	177.67M	-	249.00M	237.35M	213.74M	164.05M
Capital Expenditure	-347.00K	-	-673.00K	-163.00K	-314.00K	-303.00K
Free Cash Flow	12.76M	-	28.86M	22.38M	34.52M	42.50M
Net Change in Cash	-	-	7.94M	-13.11M	35.97M	-38.56M
Share Buybacks	-	-	-	7.58M	501.00K	34.55M
Dividends Paid	3.13M	2.08M	-	-	3.94M	7.83M

Ratios (Annual)

Figures in %.

Metric	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-
Net Margin %	-	-	29.3%	25.1%	29.8%	28.9%
ROE %	6.3%	-	11.0%	8.6%	11.5%	12.0%
ROCE %	-	-	-	-	-	-

Shareholding Pattern

Insiders

24.59%

Institutions

65.94%

Public Float

87.44%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Patriot Financial Partners Gp II, L.P.	10.16%	1.86M	$34.42M
2	T. Rowe Price Investment Management, Inc.	7.23%	1.32M	$24.49M
3	Endeavour Capital Advisors Inc	5.61%	1.02M	$19.00M
4	Alliancebernstein L.P.	5.13%	937.36K	$17.38M
5	Blackrock Inc.	4.98%	908.84K	$16.85M
6	Mendon Capital Advisors Corp	3.14%	574.10K	$10.64M
7	Curi Capital LLC	2.89%	527.10K	$9.77M
8	Vanguard Capital Management LLC	2.67%	487.88K	$9.05M
9	Wellington Management Group, LLP	2.51%	458.33K	$8.50M
10	Basswood Capital Management, L.L.C.	2.39%	436.89K	$8.10M

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USCB · Financial Services