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USCB

HoldPremium Grower

USCB Financial Holdings, Inc. · Financial Services · United States · $414M · Avg Vol: $1M/d

62
StockRank
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Q
55
V
33
M
68
P/E (TTM)
15.1x
ROE
12.4%
D/E
0.9x
Dividend %
1.9%
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%94.5M113.0M123.9M17.2%
EPS1.010.841.251.349.9%1.561.741.9520.5%
Shares20.0M19.6M19.9M18.1M-9.3%18.5M———
Debt60.4M194.4M171.5M203.1M49.8%299.5M———
Equity182.4M192.0M215.4M217.2M6.0%————
Op CF29.5M22.5M34.8M42.8M13.2%50.1M———
Inv CF-270.6M-273.0M-212.6M-245.4M—————
Fin CF249.0M237.3M213.7M164.0M—————
Loading 1Y...
PRICE (1Y)+5.3%
21.8422.2522.6623.0723.48Jul 30Aug 20Sep 10
SMA 50SMA 200

Close
$22.99
RSI (14)
59.7
52W High
$23.89
From 52W High
1.0%

SCORE BREAKDOWN

Quality
55
ROIC (ROA)
1.0%*35.9
ROE
12.4%63.0
GP/Assets
3.4%N/A
Op. Margin
49.1%68.9
FCF/Assets
1.5%N/A
Piotroski
567.4
Int. Cover
—50.0
D/E Ratio
0.94xN/A
Current Ratio
bankN/A
Value
33
P/E (TTM)
15.1x38.5
EV/EBITDA
bankN/A
P/FCF
9.7xN/A
P/B
1.9x27.5
P/S
4.6x37.3
Div Yield
1.9%24.1
Momentum
68
52W High %
96%80.5
RS 6M
15%78.4
SMA 50/200
1.12x77.0
EPS Rev 4W
0.0%27.7
EPS Rev 12W
+6.1%87.3
EPS Improve
+49%73.5
Q Growth
12%41.8

FUNDAMENTALS

Market Cap
$414M
P/E (Forward)
10.1x
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)$414M62Hold
FRBAFirst Bank$443M60Hold
CBKCommercial Bancgroup, Inc.$467M63Hold
CZNCCitizens & Northern Corporation$458M65Buy
ISTRInvestar Holding Corporation$417M67Buy
JMSBJohn Marshall Bancorp, Inc.$324M61Hold
COSOCoastalSouth Bancshares, Inc.$329M63Hold
WSBFWaterstone Financial, Inc.$379M66Buy
PDLBPonce Financial Group, Inc.$495M58Hold
FSBWFS Bancorp, Inc.$302M61Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

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

USCB Financial Holdings, Inc. (USCB) has a MoatMap StockRank of 62/100 based on Quality (55/100), Value (33/100), and Momentum (68/100) 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$22.99
Market Cap$414M
P/E (TTM)15.05
P/E (Forward)10.07
Price/Book1.92
Return on Equity12.4%
Debt/Equity0.94x
Operating Margin49.1%
Revenue Growth14.1%
Dividend Yield1.9%
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 62/100, with a Hold signal. It is a composite of Quality (55), Value (33), and Momentum (68) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does USCB Financial Holdings, Inc. have an economic moat?
USCB Financial Holdings, Inc. (USCB) has a Quality factor score of 55/100. 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 62/100. 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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