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

USCB Financial Holdings, Inc. (USCB) has a MoatMap StockRank of 46/100 based on Quality (44/100), Value (33/100), and Momentum (56/100) factor scores. The current signal is HOLD. USCB Financial is a small regional bank operating in Florida. It lacks the scale, national brand, or technological moat required to compete with tier-one banks, and offers no exposure to our high-conviction macro themes.

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$18.56
Market Cap$339M
P/E (TTM)12.74
P/E (Forward)8.52
Price/Book1.56
Return on Equity12.4%
Gross Margin0.0%
Operating Margin47.9%
Revenue Growth14.7%
Dividend Yield2.7%

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 46/100, with a Hold signal. It is a composite of Quality (44), Value (33), and Momentum (56) factor ranks across MoatMap’s 19,000+ stock universe.
Does USCB Financial Holdings, Inc. have an economic moat?
USCB Financial Holdings, Inc. (USCB) has a Quality factor score of 44/100. 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 46/100. 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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