USCB Financial Holdings, Inc.

USCB • Banks - Regional

$23.48

▲ +0.32 (+1.38%)

Precio actual

ResultadosÚltimo reporte: 31 mar 2026

PERFIL FAVORABLEAtractivaConfianza: 70%

Perfil cuantitativo — no constituye una recomendación de inversión.

Perfil cuantitativo — no constituye una recomendación de inversión.Metodología

Tesis del análisis: Alta calidad del negocio, con crecimiento y flujo de caja que respaldan el caso. La valoración todavía importa, pero el historial de ratios es favorable.

Capitalización

$433.30M

Crecimiento

11.2%

Flujo de caja

5/5

Tendencia

Stable

Evidencia

Márgenes estables o en mejora · 17.2%Crecimiento positivo de ingresos · 26.4%Flujo de caja libre positivo · 2.35Flujo de caja libre consistente · 5/5Múltiplo de ganancias razonable · 12.79

Datos financieros hasta: 31 mar 2026, 12:00 a.m. UTCÚltima actualización de earnings: 23 abr 2026, 12:00 a.m. UTCÚltima actualización del perfil: 5 ago 2026, 2:27 p.m. UTC

Resumen de la compañía

Valoración, calidad, fortaleza financiera, momentum y datos de analistas.

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

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

EV/EBITDA4.48

EV/FCF3.95

Earnings Yield6.41%

FCF Yield9.90%

Dividend Yield1.82%

Gross Margin58.13%

Oper. Margin23.62%

Profit Margin17.16%

Debt/Eq0.43

Current Ratio0.03

Quick Ratio0.03

Revenue 5Y11.16%

FCF 5Y9.80%

Target$27.00

Target Upside14.99%

Target Median$27.00

Target Range27.00 - 27.00

Volume58.05K

Avg Volume54.52K

EPS Surprise-0.01

ADN de inversión

Qué tan fuerte luce esta compañía para inversionistas de largo plazo

de 100

Calidad del negocio

Márgenes, ventaja competitiva, retornos

75/100

Fortaleza financiera

Deuda, caja, estabilidad

37/100

Potencial de crecimiento

Ingresos y expansión

95/100

Atractivo del precio

Barata o cara hoy

88/100

Por qué este puntaje▼

Márgenes estables o en mejora · 17.2%Crecimiento positivo de ingresos · 26.4%Flujo de caja libre positivo · 2.35Flujo de caja libre consistente · 5/5Múltiplo de ganancias razonable · 12.79Nivel de deuda manejable · 0.43

Analyst view

Analyst sentiment and price target

USCB

Analyst sentiment

Based on 3 analyst votes · 2026-09-05

100/100

Bullish

Hold

Bearish

Precio objetivo

2026-06-10

Bajo

$24.00

Promedio

$24.00

Mediana

$24.00

Alto

$24.00

Resumen de la compañía

IPO: 7/23/2021

Industria: Banks - Regional

P/B i: 1.94

Deuda / Patrimonio i: 0.43

Margen operativo: 23.62%

Margen neto: 17.16%

ROE i: -

ROIC: -

Salud financiera

Puntaje7 / 20

Deuda / Patrimonio: 0.43

Ratio corriente: 0.03

Ratio rápido: 0.03

Estado: Weak

Advertencias

Weak Liquidity
Weak quick ratio

Transacciones internas

Actividad reciente de ejecutivos e insiders

COLLAZO ANDRES

Transacción: 06/08/2026

VENTA

Cambio

-1,000

Precio

$19.00

Presentación

06/08/2026

Tipo

VENTA

Rodriguez Ramon M.

Transacción: 05/26/2026

OTRO

Cambio

Precio

Not reported

Presentación

06/03/2026

Tipo

OTRO

DE LA AGUILERA LUIS

Transacción: 05/21/2026

VENTA

Cambio

-49,414

Precio

$12.05

Presentación

05/22/2026

Tipo

VENTA

Insider	Tipo	Cambio	Precio	Transacción	Presentación
COLLAZO ANDRES	VENTA	-1,000	$19.00	06/08/2026	06/08/2026
Rodriguez Ramon M.	OTRO	0	Not reported	05/26/2026	06/03/2026
DE LA AGUILERA LUIS	VENTA	-49,414	$12.05	05/21/2026	05/22/2026
DE LA AGUILERA LUIS	VENTA	-49,414	$18.30	05/21/2026	05/22/2026
DE LA AGUILERA LUIS	VENTA	-36,826	$12.05	05/20/2026	05/21/2026
DE LA AGUILERA LUIS	VENTA	-36,826	$18.15	05/20/2026	05/21/2026
DE LA AGUILERA LUIS	VENTA	-4,931	$12.05	05/19/2026	05/21/2026
DE LA AGUILERA LUIS	VENTA	-4,931	$18.01	05/19/2026	05/21/2026
DE LA AGUILERA LUIS	VENTA	-2,485	$12.05	05/18/2026	05/19/2026
DE LA AGUILERA LUIS	VENTA	-2,485	$18.06	05/18/2026	05/19/2026
DE LA AGUILERA LUIS	VENTA	-805	$12.05	05/15/2026	05/19/2026
DE LA AGUILERA LUIS	VENTA	-805	$18.05	05/15/2026	05/19/2026
ABADIN RAMON	VENTA	-4,000	$11.35	05/14/2026	05/15/2026
ABADIN RAMON	VENTA	-9,000	$18.21	05/14/2026	05/15/2026
DE LA AGUILERA LUIS	VENTA	-22,883	$12.05	05/14/2026	05/15/2026
DE LA AGUILERA LUIS	VENTA	-22,883	$18.20	05/14/2026	05/15/2026
DE LA AGUILERA LUIS	VENTA	-19,947	$12.05	05/13/2026	05/15/2026
DE LA AGUILERA LUIS	VENTA	-19,947	$18.06	05/13/2026	05/15/2026
ABADIN RAMON	VENTA	-6,552	$18.03	05/13/2026	05/14/2026
DE LA AGUILERA LUIS	VENTA	-5,279	$12.05	05/11/2026	05/13/2026

Sobre la compañía

USCB Financial Holdings, Inc.

USCB Financial Holdings, Inc. serves as the parent company for U.S. Century Bank, which delivers a wide spectrum of banking solutions and financial services. Its core mission is to meet the financial requirements of small and medium-sized businesses. The institution offers diverse deposit instruments, including checking, savings, money market, and time deposit accounts, alongside certificates of deposit. Its extensive lending portfolio encompasses financing for residential and commercial real estate, commercial and industrial enterprises, and credit facilities for foreign banks. Additionally, it extends consumer loans, both secured and unsecured, such as personal loans, overdraft protection, and loans backed by deposit accounts. Beyond these, the company provides crucial treasury services, commercial payment processing, cash management solutions, and convenient online banking. Established in 2002, USCB Financial Holdings, Inc. is based in Miami, Florida.

Fuente - Link

Competidores

BWFG FMAO GCBC MSBI MVBF OBT PBFS RBB SFST WTBA

Tamaño = capitalización · color = línea del gráfico

Rendimiento de peers · 1A

Top performers + empresa seleccionada

Ultimas Noticias

Dimensional Fund Advisors LP Has $3.69 Million Stock Holdings in USCB Financial Holdings, Inc. $USCB

Dimensional Fund Advisors LP raised its holdings in USCB Financial Holdings, Inc. (NASDAQ: USCB) by 15.2% during the first quarter, according to its most recent disclosure with the Securities and Exchange Commission. The institutional investor owned 198,845 shares of the company's stock after buying an additional 26,267 shares during the period. Dimensional Fund

Defense World

USCB Financial Holdings, Inc. (USCB) Q2 2026 Earnings Call Transcript

Seeking Alpha

USCB Financial Q2 Earnings Call Highlights

USCB Financial NASDAQ: USCB reported second-quarter 2026 net income of $9.1 million, or $0.49 per diluted share, up from $0.40 per diluted share a year earlier. The company said the quarter was marked by record loan production, higher net interest margin, controlled expenses and continued low credit losses as total assets surpassed $3 billion.

MarketBeat

USCB Financial (USCB) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

Although the revenue and EPS for USCB Financial (USCB) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Zacks Investment Research

USCB Financial Holdings, Inc. (USCB) Q2 Earnings Match Estimates

USCB Financial Holdings, Inc. (USCB) came out with quarterly earnings of $0.49 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.4 per share a year ago.

Zacks Investment Research

Sorpresas de ganancias

Período	Estimado	Real	Sorpresa
2026-04-23	0.48	0.47	-0.01
2026-01-22	0.51	0.44	-0.07
2025-10-23	0.42	0.45	0.03
2025-07-24	0.38	0.4	0.02
2025-04-24	0.38	0.38	0
2025-01-24	0.365	0.34	-0.025
2024-10-31	0.31	0.35	0.04
2024-07-25	0.24	0.31	0.07
2024-04-25	0.21	0.23	0.02
2023-10-26	0.2	0.19	-0.01
2023-07-27	0.24	0.21	-0.03
2023-04-27	0.26	0.29	0.03