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USCB Financial Holdings, Inc. (USCB)

Financial Services | Banks - Regional | Doral, United States | NasdaqGM
20.16 USD

Short-term:★★★⯪☆Long-term:★★★★☆Dividends:★★★☆☆
Hot Take | July 11, 2026, 6:43 a.m. EDT

The investment case here is driven by a powerful convergence of aggressive analyst upgrades and a robust multi-year price trajectory. While the statistical forecast model offers a flat prediction for the next 45 days, suggesting a lack of immediate explosive momentum, the fundamental backdrop is exceptionally strong. The stock has delivered a +56.56% cumulative return over the last four years, with the most recent annual performance showing a +27.95% gain. This sustained upward trend, combined with accelerating earnings growth (+34.2%) and revenue expansion (+14.7%), signals a business that is successfully navigating macro headwinds. The recent upgrade to 'Strong Buy' by Raymond James and the management team's strategic focus on profitability further validate the bullish thesis. For the income investor, the 2.49% yield is modest but sustainable, backed by a healthy payout ratio of roughly 29%, though it is not the primary driver of value. The short-term outlook remains constructive due to the positive price action relative to moving averages, even if the immediate statistical edge is neutral. This is a solid long-term hold where the business quality is clearly outperforming the market's recent pricing.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoARIMA ✓0.052240
AutoETS0.052241
MSTL0.057315
AutoTheta0.057887

Forecast horizon: 45 days | Selected: AutoARIMA

Forecast Reliability
Score 49%
H-stat 0.40
Ljung-Box p 0.000
Jarque-Bera p 0.230
Excess Kurtosis -0.97
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-05-14
Last Dividend Date 2026-05-14
Revenue per Share 4.805
Market Cap 368,200,224
Trailing P/E 13.71
Forward P/E 9.19
Beta 0.50
Profit Margins 30.48%
Previous Name U.S. Century Bank
Website https://www.uscentury.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.70% 2.49%
Dividend History
Date Dividend Yield %
2026-05-15 0.125 0.696379
2026-02-17 0.125 0.629089
2025-11-14 0.100 0.565931
2025-08-15 0.100 0.594884
2025-05-15 0.100 0.579039
2025-02-14 0.100 0.535332
2024-11-15 0.050 0.251889
2024-08-15 0.050 0.337838
2024-05-14 0.050 0.414938
2024-02-14 0.050 0.455373
Additional Data
dividendRate 0.5
dividendYield 2.48
exDividendDate 2026-05-15
trailingAnnualDividendRate 0.425
trailingAnnualDividendYield 0.02108135
lastDividendValue 0.125
lastDividendDate 2026-05-15
dividendDate 2026-06-05

Info Dump

Attribute Value
52 Week Change 0.19857311
Address1 2,301 NW 87th Avenue
All Time High 21.86
All Time Low 8.56
Ask 20.21
Ask Size 1
Audit Risk 7
Average Analyst Rating 2.2 - Buy
Average Daily Volume10 Day 32,700
Average Daily Volume3 Month 62,775
Average Volume 62,775
Average Volume10Days 32,700
Beta 0.503
Bid 14.36
Bid Size 2
Board Risk 9
Book Value 12.228
City Doral
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 8
Country United States
Crypto Tradeable 0
Currency USD
Current Price 20.16
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 20.365
Day Low 20.11
Display Name USCB Financial
Dividend Date 1,780,617,600
Dividend Rate 0.5
Dividend Yield 2.48
Earnings Call Timestamp End 1,784,923,200
Earnings Call Timestamp Start 1,784,923,200
Earnings Growth 0.342
Earnings Quarterly Growth 0.221
Earnings Timestamp 1,784,836,800
Earnings Timestamp End 1,784,836,800
Earnings Timestamp Start 1,784,836,800
Ebitda Margins 0.0
Enterprise To Revenue 4.237
Enterprise Value 386,253,216
Eps Current Year 2.01
Eps Forward 2.194
Eps Trailing Twelve Months 1.47
Esg Populated 0
Ex Dividend Date 1,778,803,200
Exchange NGM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 19.0592
Fifty Day Average Change 1.1007996
Fifty Day Average Change Percent 0.05775686
Fifty Two Week Change Percent 19.857311
Fifty Two Week High 20.93
Fifty Two Week High Change -0.77000046
Fifty Two Week High Change Percent -0.03678932
Fifty Two Week Low 16.06
Fifty Two Week Low Change 4.1000004
Fifty Two Week Low Change Percent 0.25529268
Fifty Two Week Range 16.06 - 20.93
Financial Currency USD
First Trade Date Milliseconds 1,627,047,000,000
Float Shares 14,745,725
Forward Eps 2.194
Forward P E 9.188696
Full Exchange Name NasdaqGM
Full Time Employees 211
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 91,172,000
Has Pre Post Market Data 1
Held Percent Insiders 0.24726
Held Percent Institutions 0.65927005
Implied Shares Outstanding 18,263,900
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Ipo Expected Date 2,021-07-23
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,778,803,200
Last Dividend Value 0.125
Last Fiscal Year End 1,767,139,200
Long Business Summary 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.
Long Name USCB Financial Holdings, Inc.
Market us_market
Market Cap 368,200,224
Market State PRE
Max Age 86,400
Message Board Id finmb_7828416
Most Recent Quarter 1,774,915,200
Name Change Date 2,026-07-14
Net Income To Common 27,793,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 368,200,224
Number Of Analyst Opinions 5
Open 20.3
Operating Cashflow 43,453,000
Operating Margins 0.47919
Overall Risk 7
Payout Ratio 0.2891
Phone 305 715 5200
Prev Name U.S. Century Bank
Previous Close 20.16
Price Eps Current Year 10.029851
Price Hint 2
Price To Book 1.6486752
Price To Sales Trailing12 Months 4.038523
Profit Margins 0.30484
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.2
Region US
Regular Market Change 0.0
Regular Market Change Percent 0.0
Regular Market Day High 20.365
Regular Market Day Low 20.11
Regular Market Day Range 20.11 - 20.365
Regular Market Open 20.3
Regular Market Previous Close 20.16
Regular Market Price 20.16
Regular Market Time 1,783,972,800
Regular Market Volume 24,967
Return On Assets 0.01006
Return On Equity 0.12398
Revenue Growth 0.147
Revenue Per Share 4.805
Sand P52 Week Change 0.20365608
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 4
Shares Outstanding 18,263,900
Shares Percent Shares Out 0.0128
Shares Short 234,569
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 140,326
Short Name USCB Financial Holdings, Inc.
Short Percent Of Float 0.0201
Short Ratio 3.54
Source Interval 15
State FL
Symbol USCB
Target High Price 24.0
Target Low Price 20.0
Target Mean Price 21.9
Target Median Price 22.0
Total Cash 87,878,000
Total Cash Per Share 4.812
Total Debt 105,931,000
Total Revenue 91,172,000
Tradeable 0
Trailing Annual Dividend Rate 0.425
Trailing Annual Dividend Yield 0.02108135
Trailing Eps 1.47
Trailing P E 13.714285
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 18.670975
Two Hundred Day Average Change 1.4890251
Two Hundred Day Average Change Percent 0.0797508
Type Disp Equity
Volume 24,967
Website https://www.uscentury.com
Zip 33,172