Financial Services
USCB Financial Holdings, Inc.(USCB)
Live Price
Offline$19.55
+0.26% today
1Y Change
+22.31%
Window
Jun 20, 2025 โ Jun 15, 2026
- Market Cap
- $340.00M
- Revenue Growth
- +5.6%
- EPS Growth
- +7.2%
- Dividend Yield
- 2.3%
Coverage: 247 bars ยท Jun 20, 2025 โ Jun 15, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
USCB Financial Holdings, Inc. (USCB) is a Financial Services stock with a market cap of $340.00M and listed on NASDAQ. The stock last traded around $19.55 and up 22.3% across the available one-year price window (Jun 20, 2025 โ Jun 15, 2026). Baseline metrics include revenue growth of +5.6%, EPS growth of +7.2%, a dividend yield of 2.3%. What stands out right now is revenue +5.6%, EPS +7.2%, free cash flow +25.8% with operating margin 26.7% and ROIC 12.2%. The dividend is present but secondary, with a yield around 2.3%. Valuation is more restrained than many high-expectation growth names at P/E 12.1 and price/sales 2.4. Stock Foundry combines USCB price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+5.6% vs +3.4% peer median
Operating Margin
Above sector median
+26.7% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 23, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +5.6% and EPS at +7.2%, with operating margin around 26.7%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.3%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -4.8% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 23, 2026 | โ | -1.8% | -6.3% | -4.8% |
2026 Jan 22, 2026 | -13.7% | -5.8% | -9.5% | -5.8% |
2025 Oct 23, 2025 | +7.1% | +1.9% | +1.4% | +3.1% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
USCB
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
USCB Max Drawdown
-14.15%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for USCB and SPY.
Company Overview
USCB Financial Holdings, Inc.
NASDAQ Global Market
USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various banking products and services to small-to-medium sized businesses. The company accepts checking, savings, money market, and time deposit accounts; and certificates of deposit. Its loan products include residential real estate loans; commercial real estate loans; commercial and industrial loans; foreign banks loans; and secured and unsecured consumer loans comprising personal loans, overdrafts, and deposit account collateralized loans. The company also offers treasury, commercial payments, cash management, and online banking services. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida.
- Leadership
- Luis F. de la Aguilera
- IPO Date
- Jul 23, 2021
- Employees
- 199
- Street Address
- 2301 NW 87th Avenue
- Mailing
- Doral, FL, 33172
- Region
- Doral, FL, US
- Reporting Currency
- USD
- Investor Line
- 305 715 5200
- Last Updated
- May 5, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 12.1
- EV/EBITDA
- 9.2
- Price/Sales
- 2.4
- Price/Book
- 1.5
Growth
- Revenue
- +5.6%
- EPS
- +7.2%
- Free Cash Flow
- +25.8%
Profitability
- Gross Margin
- 65.2%
- Operating Margin
- 26.7%
- Net Margin
- 19.8%
- ROE
- 12.7%
- ROIC
- 12.2%
Balance Sheet
- Debt/Equity
- 0.41
- Current Ratio
- 1.01
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.