USCB Financial Holdings, Inc.
USCB
NASDAQ·Financial Services·Banks - Regional·Mkt cap $428.8M
$23.48
▲ +1.38%
P/E
15.45
Mkt Cap
$428.8M
52-Wk Range
$16.36–$23.89
52-Week Range
$16.36 - $23.89
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 36.1% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Specialized focus on small-to-medium sized business lending with personalized service
- Comprehensive suite of treasury and cash management solutions for commercial clients
- Regional expertise and market knowledge in Miami and South Florida banking landscape
- Diversified loan portfolio reducing concentration risk across real estate and commercial segments
Bear Case
1 risk
- Low volatility (beta 0.5).
Growth
Revenue decline expected
Expansion of commercial lending to growing SMB sector in South Florida
Value
Valued in line with Commercial Banking peers (1.0x).
Momentum
Hot
+26.0% over 3m
Quality
Excellent
Emerging growth company (35% revenue growth). Early stage with higher risk.
Dividend
Solid
2.02% yield
Smart-money signal
Who's buying USCB right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 22, 2026
JUL 23, 2026
Reported EPS of $0.49 vs $0.49 consensus (+0.8% surprise). Revenue of $27.9M vs $26.7M expected (+4.5%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+0.8%
Revenue trend · last 8Q
—
—
+30%
+19%
+16%
-22%
+15%
+9%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$21.5M
$23.0M
$22.8M
$39.5M
$41.4M
$33.5M
$26.2M
$43.1M
Margins · last 8Q
Gross
61.9%
Operating
29.5%
Profit
21.0%
Wall Street consensus
1 analyst · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
—
Latest: Piper Sandler · Jul 27, 2026
vs Industry
How USCB stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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