/USCB
USCB Stock - USCB Financial Holdings, Inc.
Financial Services|Banks - RegionalNASDAQ
$19.15-3.33%
$0.66 (-3.33%) • Dec 19
73
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.BUY
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.76
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).70
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.96
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+10.0%upside
Target: $21.07
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ENTRY ZONE$18.96 – $19.34
TARGET (TP)$22.02
STOP LOSS$17.62
RISK/REWARD1:1.9
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta0.60
52W High$20.49
52W Low$15.39
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $143.97M | $108.42M | $76.17M | $63.94M | $58.73M |
| Gross Profit | $79.52M | $63.60M | $66.23M | $59.87M | $46.44M |
| Gross Margin | 55.2% | 58.7% | 87.0% | 93.6% | 79.1% |
| Operating Income | $32.48M | $21.80M | $27.09M | $27.68M | $13.41M |
| Net Income | $24.67M | $16.55M | $20.14M | $21.08M | $10.82M |
| Net Margin | 17.1% | 15.3% | 26.4% | 33.0% | 18.4% |
| EPS | $1.25 | $0.84 | $1.01 | $-6.72 | $0.41 |
Company Overview
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.
Visit WebsiteRating Distribution
Strong Buy
1
50%
Buy / Outperform
1
50%
Hold / Neutral
0%
Sell / Underperform
0%
Analyst Consensus🟢 Bullish
2 Bullish0 Neutral/Bearish
Price Targets
$20
Average Target
↑ 1.8% Upside
Now
$16
Low
$20
Average
$22
High
Based on 4 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| September 8th 2025 | Raymond James | Upgrade | Strong Buy | $22 |
| July 28th 2025 | Raymond James | Upgrade | Outperform | $20 |
| April 2nd 2025 | Raymond James | Downgrade | Market Perform | - |
| November 4th 2024 | Piper Sandler | Upgrade | Overweight | $20← $17 |
| August 12th 2024 | Hovde Group | Initiation | Market Perform | $16 |
Earnings History & Surprises
USCBBeat Rate
54%
Last 13 quarters
Avg Surprise
+7.2%
EPS vs Estimate
Beats / Misses
7/3
3 met exactly
Latest EPS
$0.45
Q4 2025
EPS Surprise History
Q1 24
No data
Q2 24
+9.5%
$0.23vs$0.21
Q3 24
+29.2%
$0.31vs$0.24
Q4 24
+12.9%
$0.35vs$0.31
Q1 25
No data
Q2 25
0.0%
$0.38vs$0.38
Q3 25
+5.3%
$0.40vs$0.38
Q4 25
+7.1%
$0.45vs$0.42
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 22, 2026 | — | — | — | — |
Q1 2026 | Jan 22, 2026 | $0.51 | — | — | — |
Q4 2025 | Oct 23, 2025 | $0.42 | $0.45 | +7.1% | ✓ BEAT |
Q3 2025 | Jul 24, 2025 | $0.38 | $0.40 | +5.3% | ✓ BEAT |
Q2 2025 | Apr 24, 2025 | $0.38 | $0.38 | 0.0% | = MET |
Q1 2025 | Mar 14, 2025 | — | $0.34 | — | — |
Q4 2024 | Oct 31, 2024 | $0.31 | $0.35 | +12.9% | ✓ BEAT |
Q3 2024 | Jul 25, 2024 | $0.24 | $0.31 | +29.2% | ✓ BEAT |
Q2 2024 | Apr 25, 2024 | $0.21 | $0.23 | +9.5% | ✓ BEAT |
Q1 2024 | Mar 22, 2024 | — | $0.14 | — | — |
Q4 2023 | Oct 26, 2023 | $0.20 | $0.19 | -5.0% | ✗ MISS |
Q3 2023 | Jul 27, 2023 | $0.24 | $0.21 | -12.5% | ✗ MISS |
Q2 2023 | Apr 27, 2023 | $0.26 | $0.29 | +11.5% | ✓ BEAT |
Q1 2023 | Mar 24, 2023 | — | $0.22 | — | — |
Q4 2022 | Oct 27, 2022 | $0.30 | $0.28 | -6.7% | ✗ MISS |
Q3 2022 | Jul 28, 2022 | $0.26 | $0.26 | 0.0% | = MET |
Q2 2022 | Apr 28, 2022 | $0.24 | $0.24 | 0.0% | = MET |
Q1 2022 | Mar 24, 2022 | — | $0.30 | — | — |
Q4 2021 | Oct 28, 2021 | $0.26 | $0.37 | +42.3% | ✓ BEAT |
Q3 2021 | Jul 30, 2021 | — | $0.22 | — | — |
Latest News
USCB Financial Holdings Sold $44.6M In Available-For-Sale Securities As Part Of Strategy
➖ NeutralBenzinga•Dec 5, 2025, 09:30 PM
USCB Financial Holdings Q3 Adj. EPS $0.45 Beats $0.42 Estimate, Sales $24.958M Miss $25.032M Estimate
➖ NeutralBenzinga•Oct 23, 2025, 08:02 PM
Piper Sandler Maintains Overweight on USCB Financial Holdings, Raises Price Target to $23
📈 PositiveBenzinga•Sep 8, 2025, 03:21 PM
USCB Financial upgraded to Strong Buy at Raymond James
📈 PositiveSeeking Alpha•Sep 8, 2025, 02:11 PM
Raymond James Upgrades USCB Financial Holdings to Strong Buy, Raises Price Target to $22
📈 PositiveBenzinga•Sep 8, 2025, 10:40 AM
USCB Financial Entered Stock Repurchase Agreement With Certain Institutional Investors For Repurchase OF Aggregate 2M Shares
📉 NegativeBenzinga•Sep 5, 2025, 12:06 PM
Frequently Asked Questions about USCB
What is USCB's current stock price?
USCB Financial Holdings, Inc. (USCB) is currently trading at $19.15 per share. The stock has moved -3.33% today.
What is the analyst price target for USCB?
No analyst price targets are currently available for this stock.
What sector is USCB Financial Holdings, Inc. in?
USCB Financial Holdings, Inc. operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the NASDAQ exchange.
What is USCB's market cap?
USCB Financial Holdings, Inc. has a market capitalization of $0.38 billion, making it a small-cap company.
Does USCB pay dividends?
No, USCB Financial Holdings, Inc. does not currently pay a dividend to shareholders.
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