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USCB

HOLD

USCB Financial Holdings, Inc. · Financial Services · United States · $396M · Avg Vol: $1M/d

64
StockRank
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Q
56
V
38
M
64
P/E (TTM)
13.8x
ROE
12.4%
D/E
0.9x
Dividend %
2.1%
Dir. Trades · 180d
−$2.9M →
Subst. holders: −$912.5K
Buybacks · 180d
$1.2M →

COMPANY DESCRIPTION

USCB Financial Holdings, Inc. operates as the holding company for U.S. Century Bank, a regional bank serving primarily South Florida with a focus on diverse communities and businesses. Its competitive moat is built upon strong local relationships, a deep understanding of its multicultural market, and a commitment to personalized service that fosters client loyalty and growth. USCB Financial Holdings is a community-focused institution contributing to its regional economic development.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue68.7M66.0M82.7M90.2M9.5%91.2M113.7M120.6M15.6%
EPS1.010.841.251.349.9%1.471.751.8617.9%
Shares20.0M19.6M19.9M18.1M-9.3%18.3M———
Debt60.4M194.4M171.5M203.1M49.8%105.9M———
Equity182.4M192.0M215.4M217.2M6.0%————
Op CF29.5M22.5M34.8M42.8M13.2%43.5M———
Inv CF-270.6M-273.0M-212.6M-245.4M—————
Fin CF249.0M237.3M213.7M164.0M—————
Loading 1Y...
PRICE (1Y)+11.1%
19.0919.7420.3821.0321.67Jun 11Jul 6Jul 24
SMA 50SMA 200
Close
$21.67
RSI (14)
64.2
52W High
$21.83
From 52W High
1.0%

SCORE BREAKDOWN

Quality
56
ROIC (ROA)
1.0%*37.2
ROE
12.4%64.8
GP/Assets
3.3%N/A
Op. Margin
47.9%69.4
FCF/Assets
1.5%N/A
Piotroski
565.2
Int. Cover
—50.0
D/E Ratio
0.94xN/A
Current Ratio
bankN/A
Value
38
P/E (TTM)
13.8x46.7
EV/EBITDA
bankN/A
P/FCF
9.2xN/A
P/B
1.7x30.7
P/S
4.1x46.1
Div Yield
2.1%23.7
Momentum
64
52W High %
99%90.0
RS 6M
-2%54.9
SMA 50/200
1.04x55.8
EPS Rev 4W
-0.2%58.2
EPS Rev 12W
-1.5%33.1
EPS Improve
+49%71.5
Q Growth
22%56.8

FUNDAMENTALS

Market Cap
$396M
P/E (Forward)
9.3x
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of USCB are excluded.

TickerCompanyMkt CapStockRankSignal
USCBUSCB Financial Holdings, Inc.(you)$396M64HOLD
FRSTPrimis Financial Corp.$382M64HOLD
ISTRInvestar Holding Corporation$411M66BUY
FRBAFirst Bank$451M63HOLD
BCMLBayCom Corp$346M65HOLD
CBANColony Bankcorp, Inc.$462M67BUY
CHMGChemung Financial Corporation$390M58HOLD
JMSBJohn Marshall Bancorp, Inc.$315M62HOLD
CBNAChain Bridge Bancorp, Inc.$277M64HOLD
SFSTSouthern First Bancshares, Inc.$582M64HOLD

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

USCB Financial Holdings, Inc. (USCB) — Stock Score Summary

USCB Financial Holdings, Inc. (USCB) has a MoatMap StockRank of 64/100 based on Quality (56/100), Value (38/100), and Momentum (64/100) factor scores. The current signal is HOLD.

USCB Financial Holdings, Inc. operates as the holding company for U.S. Century Bank, a regional bank serving primarily South Florida with a focus on diverse communities and businesses. Its competitive moat is built upon strong local relationships, a deep understanding of its multicultural market, and a commitment to personalized service that fosters client loyalty and growth. USCB Financial Holdings is a community-focused institution contributing to its regional economic development.

Key Financial Metrics

Price$21.67
Market Cap$396M
P/E (TTM)13.82
P/E (Forward)9.26
Price/Book1.66
Return on Equity12.4%
Debt/Equity0.94x
Operating Margin47.9%
Revenue Growth14.7%
Dividend Yield2.1%
Free Cash Flow$43M

USCB Financial Holdings, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is USCB Financial Holdings, Inc.’s (USCB) StockRank?
MoatMap’s StockRank for USCB Financial Holdings, Inc. (USCB) is 64/100, with a Hold signal. It is a composite of Quality (56), Value (38), and Momentum (64) factor ranks across MoatMap’s 20,000+ stock universe.
Does USCB Financial Holdings, Inc. have an economic moat?
USCB Financial Holdings, Inc. (USCB) has a Quality factor score of 56/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is USCB Financial Holdings, Inc. a buy, hold, or sell?
MoatMap’s current signal for USCB Financial Holdings, Inc. (USCB) is Hold, based on a StockRank of 64/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is USCB Financial Holdings, Inc. in?
USCB Financial Holdings, Inc. (USCB) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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