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USCB Financial Holdings, Inc. (USCB)

Financial Services | Banks - Regional | Doral, United States | NasdaqGM
19.97 USD +0.27 (1.383%) ⇧ (April 17, 2026, 1:24 p.m. EDT)

Short-term: ★★☆☆☆ | Long-term: ★★★☆☆ | Dividends: ★★★☆☆
Hot Take | April 11, 2026, 3:29 p.m. EDT

USCB Financial Holdings, Inc. appears to be a stock with a mixed outlook. The recent price movement shows some volatility, with a slight upward trend in the last few days, but the overall momentum is weak. The stock has a moderate dividend yield, and the recent dividend increase indicates some positive news, but the payout ratio suggests that dividends are not a primary focus. The low beta indicates lower volatility, which is a positive for risk-averse investors. However, the negative earnings growth and revenue growth could be a red flag for long-term investors. While the stock is not a strong candidate for short-term trading due to lack of clear momentum, it might be considered for long-term holding if the fundamentals improve.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.030647
AutoETS0.031239
AutoTheta0.031344
AutoARIMA0.031617

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 77%
H-stat 1.09
Ljung-Box p 0.000
Jarque-Bera p 0.280
Excess Kurtosis -0.98
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-02-16
Last Dividend Date 2026-02-16
Revenue per Share 4.526
Market Cap 364,637,664
Trailing P/E 14.90
Forward P/E 8.91
Beta 0.60
Profit Margins 29.68%
Previous Name U.S. Century Bank
Website https://www.uscentury.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.63% 2.39%
Dividend History
Date Dividend Yield %
2026-02-17 0.125 0.629089
2025-11-14 0.100 0.569537
2025-08-15 0.100 0.602033
2025-05-15 0.100 0.589388
2025-02-14 0.100 0.548094
2024-11-15 0.050 0.259241
2024-08-15 0.050 0.348561
2024-05-14 0.050 0.429590
2024-02-14 0.050 0.473402
Additional Data
dividendRate 0.5
dividendYield 2.54
exDividendDate 2026-02-17
trailingAnnualDividendRate 0.4
trailingAnnualDividendYield 0.020304568
lastDividendValue 0.125
lastDividendDate 2026-02-17
dividendDate 2026-03-05

Info Dump

Attribute Value
52 Week Change 0.15002918
Address1 2,301 NW 87th Avenue
All Time High 21.86
All Time Low 8.56
Ask 19.9
Ask Size 1
Audit Risk 6
Average Analyst Rating 2.2 - Buy
Average Daily Volume10 Day 45,150
Average Daily Volume3 Month 50,357
Average Volume 50,357
Average Volume10Days 45,150
Beta 0.595
Bid 19.45
Bid Size 1
Board Risk 8
Book Value 11.974
City Doral
Compensation As Of Epoch Date 1,735,603,200
Compensation Risk 10
Country United States
Crypto Tradeable 0
Currency USD
Current Price 19.9725
Custom Price Alert Confidence HIGH
Date Short Interest 1,774,915,200
Day High 20.235
Day Low 19.93
Display Name USCB Financial
Dividend Date 1,772,668,800
Dividend Rate 0.5
Dividend Yield 2.54
Earnings Call Timestamp End 1,777,042,800
Earnings Call Timestamp Start 1,777,042,800
Earnings Growth -0.777
Earnings Quarterly Growth -0.803
Earnings Timestamp 1,776,974,400
Earnings Timestamp End 1,776,974,400
Earnings Timestamp Start 1,776,974,400
Ebitda Margins 0.0
Enterprise To Revenue 5.963
Enterprise Value 524,273,632
Eps Current Year 2.024
Eps Forward 2.242
Eps Trailing Twelve Months 1.34
Esg Populated 0
Ex Dividend Date 1,771,286,400
Exchange NGM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 19.0874
Fifty Day Average Change 0.8850994
Fifty Day Average Change Percent 0.04637087
Fifty Two Week Change Percent 15.002918
Fifty Two Week High 20.785
Fifty Two Week High Change -0.8125
Fifty Two Week High Change Percent -0.03909069
Fifty Two Week Low 15.565
Fifty Two Week Low Change 4.4075003
Fifty Two Week Low Change Percent 0.2831674
Fifty Two Week Range 15.565 - 20.785
Financial Currency USD
First Trade Date Milliseconds 1,627,047,000,000
Float Shares 14,673,870
Forward Eps 2.242
Forward P E 8.90834
Full Exchange Name NasdaqGM
Full Time Employees 205
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,775,001,600
Gross Margins 0.0
Gross Profits 87,925,000
Has Pre Post Market Data 1
Held Percent Insiders 0.24931999
Held Percent Institutions 0.64425004
Implied Shares Outstanding 18,256,986
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 1,771,286,400
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 364,637,664
Market State REGULAR
Max Age 86,400
Message Board Id finmb_7828416
Most Recent Quarter 1,767,139,200
Name Change Date 2,026-04-16
Net Income To Common 26,100,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 359,662,624
Number Of Analyst Opinions 5
Open 19.98
Operating Cashflow 42,805,000
Operating Margins 0.21181
Overall Risk 8
Payout Ratio 0.2985
Phone 305 715 5200
Prev Name U.S. Century Bank
Previous Close 19.7
Price Eps Current Year 9.867836
Price Hint 2
Price To Book 1.667989
Price To Sales Trailing12 Months 4.1471443
Profit Margins 0.29684
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.2
Region US
Regular Market Change 0.27249908
Regular Market Change Percent 1.383244
Regular Market Day High 20.235
Regular Market Day Low 19.93
Regular Market Day Range 19.93 - 20.235
Regular Market Open 19.98
Regular Market Previous Close 19.7
Regular Market Price 19.9725
Regular Market Time 1,776,446,685
Regular Market Volume 41,178
Return On Assets 0.00972
Return On Equity 0.120670006
Revenue Growth -0.201
Revenue Per Share 4.526
Sand P52 Week Change 0.36506534
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 4
Shares Outstanding 18,256,986
Shares Percent Shares Out 0.0064999997
Shares Short 119,411
Shares Short Previous Month Date 1,772,150,400
Shares Short Prior Month 95,424
Short Name USCB Financial Holdings, Inc.
Short Percent Of Float 0.0138
Short Ratio 2.88
Source Interval 15
State FL
Symbol USCB
Target High Price 23.0
Target Low Price 19.5
Target Mean Price 21.55
Target Median Price 21.25
Total Cash 48,244,000
Total Cash Per Share 2.642
Total Debt 212,855,008
Total Revenue 87,925,000
Tradeable 0
Trailing Annual Dividend Rate 0.4
Trailing Annual Dividend Yield 0.020304568
Trailing Eps 1.34
Trailing P E 14.90485
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 18.099476
Two Hundred Day Average Change 1.873024
Two Hundred Day Average Change Percent 0.10348499
Type Disp Equity
Volume 41,178
Website https://www.uscentury.com
Zip 33,172