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USCB Financial Holdings, Inc. Class A (USCB) Stock Price & Analysis

17 Followers

USCB Stock Chart & Stats

$19.67-$0.17(-0.86%)
At close: 4:00 PM EST
$20$21$22$23Aug 10Aug 24Sep 8Sep 21Oct 5Oct 19Nov 2
Day’s Range
$19.64 - $20.10
52-Week Range
$17.03 - $23.89
Previous Close
$19.84
Volume
N/A
Average Volume (3M)
81.25K
Market Cap
$363.21M
Enterprise Value
$683.06M
Total Cash (Recent Filing)
$0
Total Debt (Recent Filing)
$271.41M
Price to Earnings (P/E)
12.3
Beta
0.79
Next Earnings
Jan 28, 2027 (Est.)
EPS Estimate
0.49
Next Dividend Ex-Date
Nov 16, 2026
Dividend Yield
2.41%

Bulls Say, Bears Say

Bulls Say

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.

Sustained Loan Growth And Production

Consistent loan expansion demonstrates continued customer demand and effective commercial-bank production capabilities. A growing loan book can compound interest income over time, while strong new originations support the bank’s regional expansion and reinforce its position with business borrowers.

Improving Margin And Deposit Franchise

Higher net interest margin alongside lower deposit costs indicates improving spread economics and a valuable relationship-based funding base. If maintained, this combination can support recurring earnings growth and help offset operating investments as USCB expands its commercial banking platform.

Bears Say

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.

Materially Higher Leverage

The sharp rise in leverage reduces balance-sheet flexibility and increases sensitivity to funding costs, interest rates, and credit losses. For a regional bank, higher leverage can limit strategic capacity during stress and make earnings more exposed to adverse changes in operating conditions.

Pressure From Fees, Expenses, And Margin

Sequential margin contraction, below-target fee income, and higher personnel-related expenses create pressure on operating leverage. If fee recovery is delayed or hiring costs persist, revenue growth may not translate efficiently into earnings despite the company’s otherwise strong profitability.

USCB Financial Holdings, Inc. Class A News

USCB FAQ

What was USCB Financial Holdings, Inc. Class A’s price range in the past 12 months?
USCB Financial Holdings, Inc. Class A lowest stock price was $17.03 and its highest was $23.89 in the past 12 months.
What is USCB Financial Holdings, Inc. Class A’s market cap?
USCB Financial Holdings, Inc. Class A’s market cap is $363.21M.
When is USCB Financial Holdings, Inc. Class A’s upcoming earnings report date?
USCB Financial Holdings, Inc. Class A’s next earnings report is estimated for Jan 28, 2027 (not yet confirmed), which is in 80 days.
How were USCB Financial Holdings, Inc. Class A’s earnings last quarter?
USCB Financial Holdings, Inc. Class A released its earnings results on Oct 22, 2026. The company reported $0.51 earnings per share for the quarter, missing the consensus estimate of $0.556 by -$0.046.
Is USCB Financial Holdings, Inc. Class A overvalued?
According to Wall Street analysts USCB Financial Holdings, Inc. Class A’s price is currently Undervalued.
Does USCB Financial Holdings, Inc. Class A pay dividends?
USCB Financial Holdings, Inc. Class A pays a Quarterly dividend of $0.125 which represents an annual dividend yield of 2.41%. See more information on USCB Financial Holdings, Inc. Class A dividends here
What is USCB Financial Holdings, Inc. Class A’s EPS estimate?
USCB Financial Holdings, Inc. Class A’s EPS estimate is 0.49.
How many shares outstanding does USCB Financial Holdings, Inc. Class A have?
USCB Financial Holdings, Inc. Class A has 18,465,076 shares outstanding.
What happened to USCB Financial Holdings, Inc. Class A’s price movement after its last earnings report?
USCB Financial Holdings, Inc. Class A reported an EPS of $0.51 in its last earnings report, missing expectations of $0.556. Following the earnings report the stock price went down -12.132%.
Which hedge fund is a major shareholder of USCB Financial Holdings, Inc. Class A?
Hedge funds hold USCB Financial Holdings, Inc. Class A shares: the largest hedge-fund position in USCB Financial Holdings, Inc. Class A is 71,886,959 shares, and hedge funds increased their holdings by 163.0K shares last quarter.
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology