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USCB Financial Holdings, Inc.

USCB • Banks - Regional
$23.48
▲ +0.32 (+1.38%)
Current price
EarningsLatest report: Mar 31, 2026
FAVORABLE PROFILEAttractiveConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.
Market Cap
$433.30M
Growth
11.2%
Cash Flow
5/5
Trend
Stable
Evidence
Stable or improving margins · 17.2%Positive revenue growth · 26.4%Positive free cash flow · 2.35Consistent free cash flow · 5/5Reasonable earnings multiple · 12.79
Financial data as of: Mar 31, 2026, 12:00 AM UTCLast earnings update: Apr 23, 2026, 12:00 AM UTCLast profile update: Aug 5, 2026, 2:27 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$23.48
Change1.38%
Shares Out18.45M
Market Cap$433.30M
Enterprise Value$169.52M
52W Range15.56 - 20.79
Beta0.52
P/E15.59
P/S3.08
P/B1.94
P/FCF10.11
EV/Sales1.21

Investment DNA

How strong this company looks for long-term investors

80
out of 100
Business Quality
Margins, moat, returns
75/100
Financial Strength
Debt, cash, stability
37/100
Growth Potential
Revenue and expansion
95/100
Price Attractiveness
Cheap or expensive today
88/100
Why this score▼
Stable or improving margins · 17.2%Positive revenue growth · 26.4%Positive free cash flow · 2.35Consistent free cash flow · 5/5Reasonable earnings multiple · 12.79Manageable debt level · 0.43

Analyst view

Analyst sentiment and price target

USCB
Analyst sentiment
Based on 3 analyst votes · 2026-09-05
100/100
Bullish
Bullish
3
Hold
0
Bearish
0
Price Target
2026-06-10
Low
$24.00
Mean
$24.00
Median
$24.00
High
$24.00

Company Overview

IPO: 7/23/2021
Industry: Banks - Regional
P/B i: 1.94
Debt / Equity i: 0.43
Operating Margin: 23.62%
Net Margin: 17.16%
ROE i: -
ROIC: -

Financial Health

Score7 / 20
Debt / Equity: 0.43
Current Ratio: 0.03
Quick Ratio: 0.03
Status: Weak

Warnings

  • Weak Liquidity
  • Weak quick ratio

Insider Transactions

Recent executive and insider activity

COLLAZO ANDRES
Transaction: 06/08/2026
SELL
Change
-1,000
Price
$19.00
Filing
06/08/2026
Type
SELL
Rodriguez Ramon M.
Transaction: 05/26/2026
OTHER
Change
0
Price
Not reported
Filing
06/03/2026
Type
OTHER
DE LA AGUILERA LUIS
Transaction: 05/21/2026
SELL
Change
-49,414
Price
$12.05
Filing
05/22/2026
Type
SELL