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USCB Financial Holdings, Inc. logo

USCB Financial Holdings, Inc.

USCB

NASDAQFinancial ServicesBanks - Regional

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Regular session

$22.54

+$0.10 · +0.45%

Aug 24, 10:13 AM ETData delayed

USCB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

51

Fair Value

Momentum

46

Neutral

Sentiment

72

Bullish

Risk resilience

78

Moderate Risk

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Company profile

Company website

USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various personal and business banking products and services in the United States. The company offers small business administration and yacht lending services; homeowners association services, including deposit collection, lockbox services, payment services, and lending products; jurist advantage and private client group services; correspondent banking services for banks in certain Latin America and the Caribbean countries. It also provides deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, and certificates of deposit; treasury, commercial payment, and cash management services; insured cash sweep and certificate of deposit account registry services; and clients title insurance policies for real estate transactions. The company was founded in 2002 and is headquartered in Doral, Florida.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Luis de la Aguilera
Listed since
Jul 22, 2021
Employees
205

Market position

Day range

Current $22.54

52-week range

Current $22.54

Open
$22.47
Previous close
$22.44
Volume
7.24K
0.12× average
Average volume
62.46K
Average daily volume
Market cap
411.67M USD
Beta
0.47
Market reference 1
50-day average
$21.0151
+7.26% above average
200-day average
$19.3395
+16.55% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
342.14M USD
P/E (TTM)
14.63×
P/B (TTM)
1.77×
P/S (TTM)
2.85×
EV / EBITDA
9.41×
Earnings yield
7.82%
Free cash flow yield
12.74%
Dividend yield
2.11%

Profitability & efficiency

Gross margin
65.85%
Operating margin
27.38%
Net margin
19.92%
Return on equity
12.29%
Return on assets
0.93%
Return on invested capital
10.54%

Financial health

Debt / equity
1.26×
Current ratio
0.03×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends101%70%39%7%Gross margin, FY2021: 93.64%Gross margin, FY2022: 86.96%Gross margin, FY2023: 58.66%Gross margin, FY2024: 55.23%Gross margin, FY2025: 58.13%Operating margin, FY2021: 43.29%Operating margin, FY2022: 35.56%Operating margin, FY2023: 20.10%Operating margin, FY2024: 22.56%Operating margin, FY2025: 23.62%Net margin, FY2021: 32.97%Net margin, FY2022: 26.44%Net margin, FY2023: 15.26%Net margin, FY2024: 17.14%Net margin, FY2025: 17.16%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 93.64%. Gross margin FY2022 86.96%. Gross margin FY2023 58.66%. Gross margin FY2024 55.23%. Gross margin FY2025 58.13%. Operating margin FY2021 43.29%. Operating margin FY2022 35.56%. Operating margin FY2023 20.10%. Operating margin FY2024 22.56%. Operating margin FY2025 23.62%. Net margin FY2021 32.97%. Net margin FY2022 26.44%. Net margin FY2023 15.26%. Net margin FY2024 17.14%. Net margin FY2025 17.16%.

Income trends

Revenue

152.08M USD+5.63%

Operating income

35.92M USD+10.59%

Net income

26.1M USD+5.78%
Income trends across reported periods165.63M USD111.42M USD57.21M USD2.99M USDRevenue, FY2021: 63.94M USDRevenue, FY2022: 76.17M USDRevenue, FY2023: 108.42M USDRevenue, FY2024: 143.97M USDRevenue, FY2025: 152.08M USDOperating income, FY2021: 27.68M USDOperating income, FY2022: 27.09M USDOperating income, FY2023: 21.8M USDOperating income, FY2024: 32.48M USDOperating income, FY2025: 35.92M USDNet income, FY2021: 21.08M USDNet income, FY2022: 20.14M USDNet income, FY2023: 16.55M USDNet income, FY2024: 24.67M USDNet income, FY2025: 26.1M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 63.94M USD. Revenue FY2022 76.17M USD. Revenue FY2023 108.42M USD. Revenue FY2024 143.97M USD. Revenue FY2025 152.08M USD. Operating income FY2021 27.68M USD. Operating income FY2022 27.09M USD. Operating income FY2023 21.8M USD. Operating income FY2024 32.48M USD. Operating income FY2025 35.92M USD. Net income FY2021 21.08M USD. Net income FY2022 20.14M USD. Net income FY2023 16.55M USD. Net income FY2024 24.67M USD. Net income FY2025 26.1M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue152.08M USD143.97M USD108.42M USD76.17M USD63.94M USD
Cost of goods sold63.67M USD64.45M USD44.82M USD9.93M USD4.07M USD
Gross profit88.41M USD79.52M USD63.6M USD66.23M USD59.87M USD
Selling, general, and administrative39.37M USD28.79M USD24.43M USD23.94M USD21.44M USD
Operating expenses52.49M USD47.04M USD41.81M USD39.15M USD32.19M USD
Interest income145.49M USD131.23M USD101.02M USD71.1M USD56.72M USD
Interest expense61.86M USD61.3M USD42.45M USD7.44M USD4.23M USD
Depreciation and amortization456K USD587K USD590K USD688K USD1.03M USD
Operating income35.92M USD32.48M USD21.8M USD27.09M USD27.68M USD
Net income26.1M USD24.67M USD16.55M USD20.14M USD21.08M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
60%
6 beats, 3 misses, 1 met estimate
Average EPS surprise
+4.22%
10 comparable reports
Latest EPS result
0.49
Estimate 0.49 · Beat by 0.82%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.590.490.40.3Q1 '25MissQ2 '25MetQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 24, 2025: actual 0.34, estimate 0.365, surprise -6.85%, Miss. Q2 2025, reported Apr 24, 2025: actual 0.38, estimate 0.38, surprise 0.00%, Met estimate. Q3 2025, reported Jul 24, 2025: actual 0.4, estimate 0.38, surprise +5.26%, Beat. Q4 2025, reported Oct 23, 2025: actual 0.45, estimate 0.42, surprise +7.14%, Beat. Q1 2026, reported Jan 22, 2026: actual 0.44, estimate 0.51, surprise -13.73%, Miss. Q2 2026, reported Apr 23, 2026: actual 0.47, estimate 0.48, surprise -2.08%, Miss. Q3 2026, reported Jul 23, 2026: actual 0.49, estimate 0.486, surprise +0.82%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 0.55, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates30.35M27.31M24.28M21.24MQ1 '25BeatQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 24, 2025: actual 22.99M USD, estimate 22.41M USD, surprise +2.59%, Beat. Q2 2025, reported Apr 24, 2025: actual 22.83M USD, estimate 22.94M USD, surprise -0.49%, Miss. Q3 2025, reported Jul 24, 2025: actual 24.4M USD, estimate 25.03M USD, surprise -2.51%, Miss. Q4 2025, reported Oct 23, 2025: actual 24.96M USD, estimate 25.65M USD, surprise -2.69%, Miss. Q1 2026, reported Jan 22, 2026: actual 25.53M USD, estimate 26.34M USD, surprise -3.10%, Miss. Q2 2026, reported Apr 23, 2026: actual 26.18M USD, estimate 25.95M USD, surprise +0.89%, Beat. Q3 2026, reported Jul 23, 2026: actual 27.95M USD, estimate 26.74M USD, surprise +4.53%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 29.19M USD, surprise —, Comparison unavailable.

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ETFs holding USCB

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
8.15M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$377.03-0.32%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
6.86M
Weight
0.01%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$298.4-0.52%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
4.51M
Weight
0.01%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.13-0.26%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
2.49M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$243.81-0.70%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
2.05M
Weight
0.01%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.51-0.14%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
1.5M
Weight
0.01%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$120.65-0.50%
Dimensional - US Small Cap ETF logoDimensional - US Small Cap ETFDFAS
Market value
1.03M
Weight
0.01%
AUM
15.92B USD
Expense ratio
0.26%
Price / 1D
$82.725-0.36%
iShares Russell 2000 Growth ETF logoiShares Russell 2000 Growth ETFIWO
Market value
984.62K
Weight
0.01%
AUM
15.16B USD
Expense ratio
0.24%
Price / 1D
$383.69-0.95%

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