NASDAQ:USCB USCB Financial (USCB) Stock Price, News & Analysis $16.19 +0.11 (+0.68%) Closing price 08/8/2025 04:00 PM EasternExtended Trading$16.19 0.00 (0.00%) As of 08/8/2025 04:10 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock About USCB Financial Stock (NASDAQ:USCB) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get USCB Financial alerts:Sign Up Key Stats Today's Range$16.17▼$16.4050-Day Range$15.78▼$18.5152-Week Range$13.85▼$21.86Volume8,204 shsAverage Volume21,823 shsMarket Capitalization$324.61 millionP/E Ratio11.01Dividend Yield2.47%Price Target$19.25Consensus RatingModerate Buy Company Overview USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that engages in the provision of various personal and business banking products and services in the United States. It accepts various deposit products, including commercial and consumer checking, money market deposit, savings, and time deposit accounts, as well as certificates of deposit. It also offers loan products, such as small business administration loans, yacht financing, residential and commercial real estate loans; commercial and industrial loans; foreign bank loans; and secured and unsecured consumer loans comprising personal loans, overdrafts, and deposit account collateralized loans. The company also offers lockbox, treasury, commercial payments, cash management, and online banking services, as well as provides title insurance policies for real estate transactions. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida. Read More USCB Financial Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks83rd Percentile Overall ScoreUSCB MarketRank™: USCB Financial scored higher than 83% of companies evaluated by MarketBeat, and ranked 297th out of 922 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion2.4 / 5Analyst RatingModerate Buy Consensus RatingUSCB Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.75, and is based on 3 buy ratings, 1 hold rating, and no sell ratings.Amount of Analyst CoverageUSCB Financial has only been the subject of 1 research reports in the past 90 days.Read more about USCB Financial's stock forecast and price target. Earnings and Valuation2.5 / 5Proj. Earnings Growth12.66% Earnings GrowthEarnings for USCB Financial are expected to grow by 12.66% in the coming year, from $1.58 to $1.78 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of USCB Financial is 11.01, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 27.88.Price to Earnings Ratio vs. SectorThe P/E ratio of USCB Financial is 11.01, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.63.Price to Book Value per Share RatioUSCB Financial has a P/B Ratio of 1.49. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities. Short Interest4.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted1.24% of the float of USCB Financial has been sold short.Short Interest Ratio / Days to CoverUSCB Financial has a short interest ratio ("days to cover") of 4.9.Change versus previous monthShort interest in USCB Financial has recently decreased by 27.45%, indicating that investor sentiment is improving significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldUSCB Financial pays a meaningful dividend of 2.49%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthUSCB Financial has only been increasing its dividend for 2 years.Dividend CoverageThe dividend payout ratio of USCB Financial is 27.21%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, USCB Financial will have a dividend payout ratio of 22.47% next year. This indicates that USCB Financial will be able to sustain or increase its dividend.Read more about USCB Financial's dividend. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted1.24% of the float of USCB Financial has been sold short.Short Interest Ratio / Days to CoverUSCB Financial has a short interest ratio ("days to cover") of 4.9.Change versus previous monthShort interest in USCB Financial has recently decreased by 27.45%, indicating that investor sentiment is improving significantly. News and Social Media2.8 / 5News Sentiment1.09 News SentimentUSCB Financial has a news sentiment score of 1.09. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.76 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 2 news articles for USCB Financial this week, compared to 2 articles on an average week.Search Interest2 people have searched for USCB on MarketBeat in the last 30 days. Company Ownership4.2 / 5Insider TradingSelling Shares Insider Buying vs. Insider SellingIn the past three months, USCB Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $502,200.00 in company stock.Percentage Held by Insiders49.50% of the stock of USCB Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.Percentage Held by Institutions61.34% of the stock of USCB Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.Read more about USCB Financial's insider trading history. Receive USCB Stock News and Ratings via Email Sign-up to receive the latest news and ratings for USCB Financial and its competitors with MarketBeat's FREE daily newsletter. Email Address USCB Stock News HeadlinesThree South Florida Bank Leaders Paddle for a Cause, Helping Raise More Than $200,000 for Childhood CancerAugust 2, 2025 | msn.comUSCB Financial Holdings, Inc. (NASDAQ:USCB) Q2 2025 Earnings Call TranscriptJuly 29, 2025 | msn.comTrump set to Boost Social Security Checks by 400%?If you're collecting or planning to collect social security... You should see this presentation about President Trump's Executive Order #14196. Legendary investor Louis Navellier believes it could soon not only save Social Security from collapse... But BOOST benefits for millions of retirees by up to 400%. No wonder the financial times called this new initiative... | InvestorPlace (Ad)USCB Financial upgraded to Outperform from Market Perform at Raymond JamesJuly 28, 2025 | msn.comRaymond James Upgrades USCB Financial Holdings (USCB)July 28, 2025 | msn.comUSCB Financial Holdings Reports Record Q2 2025 EarningsJuly 25, 2025 | tipranks.comUSCB Financial Holdings Inc (USCB) Q2 2025 Earnings Report Preview: What To Look ForJuly 25, 2025 | finance.yahoo.comUscb signals double-digit loan growth to continue as deposit base expandsJuly 25, 2025 | msn.comSee More Headlines USCB Stock Analysis - Frequently Asked Questions How have USCB shares performed this year? USCB Financial's stock was trading at $17.75 at the beginning of 2025. Since then, USCB stock has decreased by 8.8% and is now trading at $16.19. How were USCB Financial's earnings last quarter? USCB Financial Holdings, Inc. (NASDAQ:USCB) posted its quarterly earnings results on Thursday, July, 24th. The company reported $0.40 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $0.38 by $0.02. The business had revenue of $24.40 million for the quarter, compared to the consensus estimate of $23.72 million. USCB Financial had a trailing twelve-month return on equity of 13.59% and a net margin of 19.51%. Read the conference call transcript. When did USCB Financial IPO? USCB Financial (USCB) raised $40 million in an initial public offering on Friday, July 23rd 2021. The company issued 3,600,000 shares at a price of $10.00-$12.50 per share. Keefe, Bruyette & Woods (a Stifel company) served as the underwriter for the IPO and Raymond James & Associates and Piper Sandler & Co. ar were co-managers. Who are USCB Financial's major shareholders? Top institutional investors of USCB Financial include Geode Capital Management LLC (1.24%), Connor Clark & Lunn Investment Management Ltd. (0.29%), Los Angeles Capital Management LLC (0.07%) and Police & Firemen s Retirement System of New Jersey (0.01%). Insiders that own company stock include Howard Feinglass, La Aguilera Luis De, Robert B Anderson and Ramon A Rodriguez. View institutional ownership trends. How do I buy shares of USCB Financial? Shares of USCB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of USCB Financial own? Based on aggregate information from My MarketBeat watchlists, some other companies that USCB Financial investors own include JPMorgan Chase & Co. (JPM), Tesla (TSLA), Advanced Micro Devices (AMD), Netflix (NFLX), NVIDIA (NVDA), Meta Platforms (META) and Home Depot (HD). Company Calendar Record date for 6/5 Dividend5/15/2025Ex-Dividend for 6/5 Dividend5/15/2025Dividend Payable6/05/2025Last Earnings7/24/2025Today8/08/2025Record date for 9/5 Dividend8/15/2025Ex-Dividend for 9/5 Dividend8/15/2025Dividend Payable9/05/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry BANKS - SOUTHEAST Sub-IndustryBanking Current SymbolNASDAQ:USCB CIK1901637 Webwww.uscentury.com Phone305-715-5200FaxN/AEmployees196Year FoundedN/APrice Target and Rating Average Price Target for USCB Financial$19.25 High Price Target$21.00 Low Price Target$16.00 Potential Upside/Downside+18.9%Consensus RatingModerate Buy Rating Score (0-4)2.75 Research Coverage4 Analysts Profitability EPS (Trailing Twelve Months)$1.47 Trailing P/E Ratio11.01 Forward P/E Ratio10.25 P/E GrowthN/ANet Income$24.67 million Net Margins19.51% Pretax Margin24.64% Return on Equity13.59% Return on Assets1.15% Debt Debt-to-Equity Ratio0.48 Current Ratio0.91 Quick Ratio0.91 Sales & Book Value Annual Sales$87.89 million Price / Sales3.69 Cash Flow$1.28 per share Price / Cash Flow12.69 Book Value$10.86 per share Price / Book1.49Miscellaneous Outstanding Shares20,048,000Free Float10,124,000Market Cap$324.58 million OptionableNot Optionable Beta0.61 The 10 Best AI Stocks to Own in 2025Wondering where to start (or end) with AI stocks? 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