USCB Financial Holdings, Inc. USCB R2K
Company Overview
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.
Why Investors Should Care
Net profit has compounded at 19.3% per year over the last five years.
Trades at an undemanding P/E of 13.8.
Maintains a net profit margin of 30.5%.
Offers a dividend yield of 2.49%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +14.7%, earnings +34.2%.
- 5-Year Trend Long-term compounding — profit CAGR 19.3%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 14.70% |
Compounded Profit Growth
| 5 Years: | 19.26% |
| 1 Year: | 34.20% |
Stock Price Performance
| 1 Year: | +21.83% |
| 6 Months: | +8.99% |
| 3 Months: | +3.22% |
| 1 Month: | +4.04% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)59.36 · Neutral
P/E of 13.84 is above the sector median of 13.52 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 30.5%.
- Profit CAGR of 19.3% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | 20.34 | 13.84 | $371.49M | 2.49% | - | 12.40% | - | 19.26% |
| 2 | JPM JPMorgan Chase & Co. SPX | 346.91 | 16.61 | $929.55B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 488.35 | 14.54 | $682.86B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 355.14 | 30.99 | $589.43B | 0.75% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 535.21 | 30.99 | $469.40B | 0.65% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 61.59 | 15.28 | $432.24B | 1.88% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 228.55 | 20.70 | $360.49B | 1.76% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,152.07 | 17.79 | $339.87B | 1.58% | - | 16.95% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 87.51 | 13.53 | $267.80B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
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 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 4.78M | 4.05M | 6.59M | 4.85M | 5.29M | 5.56M | 5.81M | 4.20M | 3.82M | 4.61M | 6.21M | 6.95M | 7.66M | 8.14M | 8.94M | 9.35M |
| Diluted EPS | - | - | - | - | - | - | - | - | - | - | - | 0.35 | 0.38 | - | 0.45 | 0.51 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Net Income | 10.82M | 21.08M | 20.14M | 16.55M | 24.67M | 26.10M |
| Diluted EPS | - | - | - | - | 1.24 | 1.33 |
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 | 1.85B | 2.09B | 2.34B | 2.58B | 2.79B |
| Total Equity | 160.28M | 171.00M | 203.90M | 182.43M | 191.97M | 215.39M | 217.18M |
| Cash & Equivalents | - | 47.73M | 46.23M | 54.17M | 41.06M | 77.03M | 38.48M |
| Total Liabilities | - | 1.33B | 1.65B | 1.90B | 2.15B | 2.37B | 2.57B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | 13.10M | 22.05M | 29.54M | 22.55M | 34.84M | 42.80M |
| Investing Cash Flow | -178.78M | -359.36M | -270.60M | -273.00M | -212.61M | -245.41M |
| Financing Cash Flow | 177.67M | 335.81M | 249.00M | 237.35M | 213.74M | 164.05M |
| Capital Expenditure | -347.00K | -633.00K | -673.00K | -163.00K | -314.00K | -303.00K |
| Free Cash Flow | 12.76M | 21.42M | 28.86M | 22.38M | 34.52M | 42.50M |
| 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 % | - | - | - | - | - | - |
| ROE % | 6.3% | 10.3% | 11.0% | 8.6% | 11.5% | 12.0% |
| ROCE % | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Patriot Financial Partners Gp II, L.P. | 10.16% | 1.86M | $37.72M |
| 2 | T. Rowe Price Investment Management, Inc. | 7.23% | 1.32M | $26.84M |
| 3 | Endeavour Capital Advisors Inc | 5.61% | 1.02M | $20.82M |
| 4 | Alliancebernstein L.P. | 5.13% | 937.36K | $19.05M |
| 5 | Blackrock Inc. | 4.98% | 908.84K | $18.47M |
| 6 | Mendon Capital Advisors Corp | 3.14% | 574.10K | $11.67M |
| 7 | Curi Capital LLC | 2.89% | 527.10K | $10.71M |
| 8 | Vanguard Capital Management LLC | 2.67% | 487.88K | $9.91M |
| 9 | Wellington Management Group, LLP | 2.51% | 458.33K | $9.31M |
| 10 | Basswood Capital Management, L.L.C. | 2.39% | 436.89K | $8.88M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for USCB
ETFs Investing in USCB Financial Holdings, Inc. Class A Stocks - TradingView
<a href="https://news.google.com/rss/articles/CBMiY0FVX3lxTE1BWmZfWmpoT2htRnJpVmlGNWgzWkl6NDJBdThHSTMxSEN1a3Mybm10N1BxQkdFQWZ4MXEwYmZtSFZxQ0lQc1NsQVBCMk9VaS1HRkJWWlpjNmpoc3l2dlp3Y0RZVQ?oc=5" target="_blank">ETFs Investing in USCB Financial …
USCB (USCB) SVP Sergio Garrido awarded 15,000 restricted shares and holds options - Stock Titan
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USCB Financial (NASDAQ:USCB) Raised to "Buy" at Wall Street Zen - MarketBeat
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Regional Bank Stocks Worth Watching Before The Fed Meeting - simplywall.st
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USCB Financial Holdings (USCB) Stock Draws Fresh Price Target Split After Analyst Revisions - Yahoo Finance
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Technical Reactions to USCB Trends in Macro Strategies - Stock Traders Daily
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USCB — Frequently Asked Questions
What is the current share price of USCB Financial Holdings, Inc. (USCB)?
As of 2026-07-15 16:51 PDT, USCB Financial Holdings, Inc. (USCB) trades at $20.34 on NasdaqGM. Its 52-week range is $15.69 to $20.79.
What is the market capitalisation of USCB?
USCB Financial Holdings, Inc. (USCB) has a market capitalisation of $371.49M on NasdaqGM.
What is the P/E ratio of USCB?
USCB trades at a trailing price-to-earnings (P/E) ratio of 13.84. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.66.
Does USCB pay a dividend?
USCB Financial Holdings, Inc. (USCB) currently offers a dividend yield of 2.49%.
What is the return on equity (ROE) of USCB?
USCB has a return on equity (ROE) of 12.40%.
Is USCB a good stock to buy?
This page provides a data-driven analysis of USCB Financial Holdings, Inc. (USCB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.