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USCB Financial Holdings, Inc. Class A
(NASDAQ:USCB)
Select Model
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Rating:72Outperform
Price Target:
$25.00
▲(11.51% Upside)
Action:Reiterated
Date:10/23/26
The score is driven primarily by solid financial performance (strong profitability and cash conversion) and a constructive earnings call with supportive margin and growth guidance. Valuation is reasonable for the profile, while technical signals are only mildly positive, and balance-sheet leverage and credit-quality upticks are the key risks tempering the overall rating.
Positive Factors
Strong profitability and cash conversion
USCB is converting reported earnings into cash at a nearly one-to-one rate while maintaining strong profitability. This supports internal funding for growth, improves resilience through changing banking conditions, and provides a durable foundation for capital investment and shareholder returns.
Negative Factors
Rising non-performing and classified loans
The increase in non-performing and classified loans signals emerging credit-quality pressure, even though management described it as concentrated in one loan. Further deterioration could raise provisioning needs, reduce profitability, and constrain loan growth or capital flexibility over the coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability and cash conversion
USCB is converting reported earnings into cash at a nearly one-to-one rate while maintaining strong profitability. This supports internal funding for growth, improves resilience through changing banking conditions, and provides a durable foundation for capital investment and shareholder returns.
Read all positive factors
USCB Financial Holdings, Inc. Class A (USCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$369.30M
Dividend Yield2.38%
Average Volume (3M)74.75K
Price to Earnings (P/E)12.5
Beta (1Y)0.79
Revenue Growth2.71%
EPS Growth0.28%
CountryUS
Employees205
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.54
Shares Outstanding18,474,470
10 Day Avg. Volume49,723
30 Day Avg. Volume74,753
Financial Highlights & Ratios
PEG Ratio1.91
Price to Book (P/B)1.57
Price to Sales (P/S)2.19
P/FCF Ratio7.85
Enterprise Value/Market Cap1.59
Enterprise Value/Revenue4.06
Enterprise Value/Gross Profit6.17
Enterprise Value/Ebitda14.66
Forecast
1Y Price Target
$25.50Price Target Upside13.74% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.09
Revenue Forecast (FY)$112.97M
USCB Financial Holdings, Inc. Class A Business Overview & Revenue Model
Company Description
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 len...
How the Company Makes Money
USCB Financial Holdings primarily makes money through its banking subsidiary by earning (1) net interest income and (2) noninterest income. Net interest income is generated from the spread between interest earned on interest-earning assets—primari...
USCB Financial Holdings, Inc. Class A Earnings Call Summary
Earnings Call Date:Oct 22, 2026
(Q3-2026)
| % Change Since: |
Next Earnings Date:Jan 28, 2027
Earnings Call Sentiment Positive
The call was strongly positive overall. Management reported record earnings, double-digit year-over-year loan and net interest income growth, strong returns, improved capital, stable deposit pricing, continued strategic hiring, and a healthy fourth-quarter pipeline. The main challenges were lower sequential margin, weaker-than-planned non-interest income, higher non-performing and classified loans concentrated in one loan, elevated payoffs, and higher operating expenses. Management nevertheless maintained its growth and margin outlook while emphasizing disciplined credit and expense management.Positive Updates
Record Quarterly Earnings and Strong Year-to-Date Performance
Third-quarter net income reached a record $9.5 million, or $0.51 per diluted share, up from $0.49 in the prior quarter and 13.3% year over year. Through the first nine months of 2026, net income was approximately $28 million, already surpassing the full-year earnings reported in any year since the IPO.
Negative Updates
Higher Operating Expenses and Efficiency Ratio
Total non-interest expense was $14.7 million, with the increase from the prior quarter primarily in salaries and benefits due to additional sales staff, merit increases, and performance-based incentives. The efficiency ratio was 54.62%, and management expects fourth-quarter expenses of approximately $15 million or slightly higher because of a full quarter of recent hires, the new deposit team, and performance-based incentives.
Read all updates
Q3-2026 Updates
Positive
Negative
Record Quarterly Earnings and Strong Year-to-Date Performance
Third-quarter net income reached a record $9.5 million, or $0.51 per diluted share, up from $0.49 in the prior quarter and 13.3% year over year. Through the first nine months of 2026, net income was approximately $28 million, already surpassing the full-year earnings reported in any year since the IPO.
Read all positive updates
Company Guidance
Management said it believes it can hold or improve the NIM for the fourth quarter and guides to the 340 range, with a 3.40% level and some upside since September came in at 3.41%; loan growth remains guided to the high single digit to low double-digit range, with near term possibly on the lower end of that guidance, and the company will stick to high single to low double-digit growth into 2027; fourth-quarter expenses are expected at approximately $15 million or slightly higher, while 2027 expense growth of mid to high single digits would be reasonable, with efficiency managed to the low 50s and an expense ratio below 2% on assets; non-interest income is expected over time to move back towards $3.5 million per quarter, although the outlook is measured; and payoffs are expected to be at a similar amount in the fourth quarter as this quarter, when they were $155 million.USCB Financial Holdings, Inc. Class A Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
64
Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 144.20M | 152.08M | 143.97M | 108.42M | 76.17M | 63.94M |
| Gross Profit | 94.96M | 88.41M | 79.52M | 63.60M | 66.23M | 59.87M |
| EBITDA | 39.97M | 36.53M | 33.06M | 22.39M | 27.77M | 28.71M |
| Net Income | 28.73M | 26.10M | 24.67M | 16.55M | 20.14M | 21.08M |
Balance Sheet | ||||||
| Total Assets | 3.02B | 2.80B | 2.58B | 2.34B | 2.09B | 1.85B |
| Cash, Cash Equivalents and Short-Term Investments | 587.14M | 82.34M | 294.24M | 270.39M | 54.17M | 46.23M |
| Total Debt | 292.90M | 90.75M | 171.45M | 194.42M | 60.40M | 50.19M |
| Total Liabilities | 2.79B | 2.59B | 2.37B | 2.15B | 1.90B | 1.65B |
| Stockholders Equity | 233.24M | 212.39M | 215.39M | 191.97M | 182.43M | 203.90M |
Cash Flow | ||||||
| Free Cash Flow | 49.09M | 42.50M | 33.78M | 22.38M | 28.86M | 21.42M |
| Operating Cash Flow | 50.06M | 42.80M | 34.09M | 22.55M | 29.54M | 22.05M |
| Investing Cash Flow | -234.82M | -245.41M | -211.86M | -273.00M | -270.60M | -359.36M |
| Financing Cash Flow | 248.09M | 164.05M | 213.74M | 237.35M | 249.00M | 335.81M |
USCB Financial Holdings, Inc. Class A Technical Analysis
Negative
22.42
Price Trends
22.50
Negative
21.48
Negative
20.10
Negative
Market Momentum
-0.21
Positive
28.66
Positive
44.29
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For USCB, the sentiment is Negative. The current price of 22.42 is above the 20-day moving average (MA) of 22.16, below the 50-day MA of 22.50, and above the 200-day MA of 20.10, indicating a bearish trend. The MACD of -0.21 indicates Positive momentum. The RSI at 28.66 is Positive, neither overbought nor oversold. The STOCH value of 44.29 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for USCB.
USCB Financial Holdings, Inc. Class A Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $535.72M | 12.38 | 13.95% | 1.19% | 9.03% | 108.77% | |
75 Outperform | $503.27M | 11.75 | 11.25% | 2.57% | 6.75% | 34.29% | |
74 Outperform | $518.81M | 13.47 | 14.31% | 3.32% | 0.14% | 32.11% | |
74 Outperform | $513.66M | 10.79 | 16.44% | 1.88% | 6.51% | 38.77% | |
72 Outperform | $369.30M | 12.53 | 13.36% | 2.38% | 2.71% | 0.28% | |
70 Outperform | $498.75M | 14.52 | 6.18% | ― | 12.29% | 97.75% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
USCB
USCB Financial Holdings, Inc. Class A
19.99
3.04
17.93%
WTBA
West Bancorporation
30.44
9.49
45.27%
BWFG
Bankwell Financial Group
67.20
23.60
54.12%
FMAO
Farmers & Merchants Bancorp
36.54
13.35
57.55%
PDLB
Ponce Financial Group Inc
20.62
5.95
40.56%
OBT
Orange County Bancorp
38.31
14.36
59.94%
USCB Financial Holdings, Inc. Class A Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
USCB Financial Posts Record Q3 Earnings, Declares Dividend
Positive
Oct 22, 2026
USCB Financial Holdings reported record third-quarter 2026 net income of $9.5 million, or $0.51 per diluted share, for the period ended September 30, 2026, up from $8.9 million a year earlier, with returns on average assets and equity of 1.27% and...
Dividends
USCB Financial Announces Quarterly Dividend on Class A Shares
Positive
Oct 19, 2026
On October 19, 2026, USCB Financial Holdings, Inc. announced that its Board of Directors declared a regular quarterly cash dividend of $0.125 per share on its Class A common stock. The dividend will be paid on December 4, 2026, to shareholders of ...
Business Operations and StrategyFinancial DisclosuresRegulatory Filings and Compliance
USCB Financial Highlights Strategy in Q2 2026 Presentation
Positive
Jul 28, 2026
USCB Financial Holdings, Inc., parent of U.S. Century Bank, is a South Florida-based commercial bank concentrating on small and mid-sized business clients, entrepreneurs and professionals across Miami-Dade, Broward and Palm Beach counties. Founded...
Business Operations and StrategyDividendsFinancial Disclosures
USCB Financial Tops $3 Billion in Assets Milestone
Positive
Jul 23, 2026
USCB Financial Holdings, Inc., the parent of Miami-based U.S. Century Bank, reported on July 23, 2026 that it surpassed $3 billion in total assets as of June 30, 2026, driven by record new loan fundings of $272.0 million and 14.6% annualized linke...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.