USCB Financial (USCB) Stock Price, News & Analysis

Company Overview

USCB Financial Holdings, Inc. (NASDAQ: USCB) is a bank holding company headquartered in Irvine, California, and the parent of United Security Bank, a California-chartered savings bank. Since its founding in 2011, the company has focused on delivering community-oriented banking services to individuals, small businesses and professional clients throughout Southern California. USCB Financial operates through a network of branch offices and digital channels designed to provide flexible, personalized financial solutions.

The company’s core business activities encompass a broad array of deposit and loan products. On the deposit side, it offers checking, savings, money market and time deposit accounts tailored to both personal and commercial customers. Lending services include residential mortgage loans, commercial real estate financing, construction loans, and Small Business Administration (SBA) lending. USCB Financial also provides online banking, mobile banking, and treasury management services to help clients manage cash flow and day-to-day financial operations.

USCB Financial primarily serves the metropolitan regions of Orange County, Los Angeles County and surrounding communities, with a focus on sectors such as real estate development, professional services, healthcare and technology. The bank’s local market expertise, combined with its commitment to relationship-driven underwriting, enables it to meet the unique needs of regional businesses and individual customers.

The company’s leadership team brings decades of banking and financial services experience. Governed by a board of directors with extensive backgrounds in community banking, real estate and commercial lending, USCB Financial is led by its President and Chief Executive Officer, who has spearheaded the bank’s growth strategy since inception. This executive, along with a seasoned management team, continues to emphasize prudent risk management and customer-centric service as the foundation for long-term performance and community engagement.

Key Stats

• Today's Range: $16.83 to $17.42
• 50-Day Range: $15.78 to $17.41
• 52-Week Range: $11.88 to $21.86
• Volume: 39,956 shs
• Average Volume: 27,983 shs
• Market Capitalization: $340.25 million
• P/E Ratio: 12.30
• Dividend Yield: 2.36%
• Price Target: $19.00
• Consensus Rating: Moderate Buy

USCB Financial Stock Analysis - MarketRank™

USCB Financial scored higher than 82% of companies evaluated by MarketBeat, and ranked 265th out of 907 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

USCB Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 2 buy ratings, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

USCB Financial has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 12.66%

Earnings Growth

Earnings 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 Market

The P/E ratio of USCB Financial is 12.32, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.66.

Price to Earnings Ratio vs. Sector

The P/E ratio of USCB Financial is 12.32, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.05.

Price to Book Value per Share Ratio

USCB Financial has a P/B Ratio of 1.56. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.83% of the float of USCB Financial has been sold short.

Short Interest Ratio / Days to Cover

USCB Financial has a short interest ratio ("days to cover") of 3.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in USCB Financial has recently decreased by 1.40%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

USCB Financial pays a meaningful dividend of 2.35%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

USCB Financial has only been increasing its dividend for 2 years.

Dividend Coverage

The dividend payout ratio of USCB Financial is 28.99%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based 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.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.83% of the float of USCB Financial has been sold short.

Short Interest Ratio / Days to Cover

USCB Financial has a short interest ratio ("days to cover") of 3.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in USCB Financial has recently decreased by 1.40%, indicating that investor sentiment is improving.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.50

News Sentiment

USCB Financial has a news sentiment score of 0.50. 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 lower news sentiment than the 0.73 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for USCB Financial this week, compared to 1 article on an average week.

Company Ownership

• Score: 4.2 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In 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 Insiders

49.50% 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 Institutions

61.34% of the stock of USCB Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

USCB Stock Analysis - Frequently Asked Questions

How have USCB shares performed this year?

USCB Financial's stock was trading at $17.75 on January 1st, 2025. Since then, USCB stock has decreased by 4.4% and is now trading at $16.97.

How were USCB Financial's earnings last quarter?

USCB Financial Holdings, Inc. (NASDAQ:USCB) posted its quarterly earnings results on Thursday, April, 24th. The company reported $0.38 EPS for the quarter, hitting analysts' consensus estimates of $0.38. The business earned $22.83 million during the quarter, compared to the consensus estimate of $22.94 million. USCB Financial had a net margin of 18.69% and a trailing twelve-month return on equity of 12.96%.
Read the conference call transcript.

When did USCB Financial IPO?

USCB Financial (USCB) raised $40 million in an initial public offering (IPO) 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) acted as the underwriter for the IPO and Raymond James & Associates and Piper Sandler & Co. ar were co-managers.

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

• Last Earnings: 4/24/2025
• Record date for 6/5 Dividend: 5/15/2025
• Ex-Dividend for 6/5 Dividend: 5/15/2025
• Dividend Payable: 6/05/2025
• Today: 7/06/2025
• Next Earnings (Estimated): 7/24/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:USCB
• CIK: 1901637
• Web: www.uscentury.com
• Phone: 305-715-5200
• Fax: N/A
• Employees: 196
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $19.00
• High Stock Price Target: $21.00
• Low Stock Price Target: $16.00
• Potential Upside/Downside: +12.0%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.38
• Trailing P/E Ratio: 12.30
• Forward P/E Ratio: 10.74
• P/E Growth: N/A
• Net Income: $24.67 million
• Net Margins: 18.69%
• Pretax Margin: 24.64%
• Return on Equity: 12.96%
• Return on Assets: 1.08%

Debt

• Debt-to-Equity Ratio: 0.48
• Current Ratio: 0.91
• Quick Ratio: 0.91

Sales & Book Value

• Annual Sales: $143.97 million
• Price / Sales: 2.36
• Cash Flow: $1.28 per share
• Price / Cash Flow: 13.28
• Book Value: $10.86 per share
• Price / Book: 1.56

Miscellaneous

• Outstanding Shares: 20,050,000
• Free Float: 10,124,000
• Market Cap: $340.25 million
• Optionable: Not Optionable
• Beta: 0.61