NASDAQ:USCB USCB Financial (USCB) Stock Price, News & Analysis $17.59 +0.22 (+1.27%) As of 11:54 AM Eastern This is a fair market value 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$17.11▼$17.5950-Day Range$15.96▼$18.5152-Week Range$13.85▼$21.86Volume2,170 shsAverage Volume24,846 shsMarket Capitalization$353.21 millionP/E Ratio11.97Dividend Yield2.27%Price Target$20.33Consensus RatingBuy 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™ Stocks82nd Percentile Overall ScoreUSCB MarketRank™: USCB Financial scored higher than 82% of companies evaluated by MarketBeat, and ranked 290th out of 934 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion2.5 / 5Analyst RatingBuy Consensus RatingUSCB Financial has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 3 buy ratings, no hold ratings, 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 11.94, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 28.80.Price to Earnings Ratio vs. SectorThe P/E ratio of USCB Financial is 11.94, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.47.Price to Book Value per Share RatioUSCB Financial has a P/B Ratio of 1.52. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.Read more about USCB Financial's valuation and earnings. Short Interest4.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted1.12% 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 4.8.Change versus previous monthShort interest in USCB Financial has recently decreased by 9.64%, indicating that investor sentiment is improving significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldUSCB Financial pays a meaningful dividend of 2.31%, 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 Shorted1.12% 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 4.8.Change versus previous monthShort interest in USCB Financial has recently decreased by 9.64%, indicating that investor sentiment is improving significantly. News and Social Media2.5 / 5News SentimentN/A News SentimentUSCB Financial has a news sentiment score of 1.44. 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 1.18 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 1 news article for USCB Financial this week, compared to 2 articles on an average week.Search InterestOnly 1 people have searched for USCB on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days. Company Ownership3.3 / 5Insider TradingN/A Insider Buying vs. Insider SellingIn the past three months, USCB Financial insiders have not sold or bought any 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. Submit View SMS TermsBy entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. USCB Stock News HeadlinesWith 58% ownership, USCB Financial Holdings, Inc. (NASDAQ:USCB) boasts of strong institutional backingAugust 20, 2025 | finance.yahoo.comUSCB Financial Holdings Issues $40M Subordinated NotesAugust 14, 2025 | tipranks.comBONUS GUIDE - Ben Stein Prepares For the Next Financial CrisisWith inflation high, debt soaring, and global tensions rising, a financial storm may be brewing. Economist Ben Stein—drawing on insights from his own experience and his father’s time advising two U.S. presidents—just released a new report on how to help protect your retirement from the next major crisis.August 29 at 2:00 AM | Goldco Precious Metals (Ad)Three 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.comUSCB 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.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 start of the year. Since then, USCB shares have decreased by 1.1% and is now trading at $17.5550. 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 the consensus estimate of $0.38 by $0.02. The firm earned $24.40 million during the quarter, compared to analyst estimates of $23.72 million. USCB Financial had a net margin of 19.51% and a trailing twelve-month return on equity of 13.39%. Read the conference call transcript. When did USCB Financial IPO? USCB Financial (USCB) raised $40 million in an IPO on Friday, July 23rd 2021. The company issued 3,600,000 shares at $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. Who are USCB Financial's major shareholders? USCB Financial's top institutional investors include Endeavour Capital Advisors Inc. (6.18%), Alliancebernstein L.P. (4.85%), Mendon Capital Advisors Corp (3.44%) and Basswood Capital Management L.L.C. (2.35%). 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 Earnings7/24/2025Record date for 9/5 Dividend8/15/2025Ex-Dividend for 9/5 Dividend8/15/2025Today8/29/2025Dividend Payable9/05/2025Next Earnings (Estimated)10/30/2025Fiscal 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$20.33 High Price Target$21.00 Low Price Target$20.00 Potential Upside/Downside+15.8%Consensus RatingBuy Rating Score (0-4)3.00 Research Coverage3 Analysts Profitability EPS (Trailing Twelve Months)$1.47 Trailing P/E Ratio11.94 Forward P/E Ratio11.11 P/E GrowthN/ANet Income$24.67 million Net Margins19.51% Pretax Margin25.72% Return on Equity13.39% Return on Assets1.13% Debt Debt-to-Equity Ratio0.47 Current Ratio0.91 Quick Ratio0.91 Sales & Book Value Annual Sales$143.97 million Price / Sales2.45 Cash Flow$1.30 per share Price / Cash Flow13.55 Book Value$11.53 per share Price / Book1.52Miscellaneous Outstanding Shares20,080,000Free Float10,139,000Market Cap$352.50 million OptionableNot Optionable Beta0.61 These 7 Stocks Will Be Magnificent in 2025Discover the next wave of investment opportunities with our report, 7 Stocks That Will Be Magnificent in 2025. Explore companies poised to replicate the growth, innovation, and value creation of the tech giants dominating today's markets.Get This Free Report This page (NASDAQ:USCB) was last updated on 8/29/2025 by MarketBeat.com Staff From Our PartnersMusk’s Project Colossus could mint millionairesI predict this single breakthrough could make Elon the world’s first trillionaire — and mint more new milliona...Brownstone Research | SponsoredINVESTOR ALERT: Tiny “$3 AI Wonder Stock” on the Verge of Blasting OffRight now, we’re witnessing a monumental shift in the world.Traders Agency | SponsoredBONUS GUIDE - Ben Stein Prepares For the Next Financial CrisisWith inflation high, debt soaring, and global tensions rising, a financial storm may be brewing. Economist ...Goldco Precious Metals | SponsoredThis is my Christian duty“This land I will give to you…” — a 4,000-year-old line from Genesis may hold the key to unlocking a $150 tril...Paradigm Press | SponsoredEveryone’s watching Nvidia right now. Here’s why I’m excited.So, unless you’ve been living under a rock, you probably saw the news… Nvidia just signed a $7 BILLION deal...Timothy Sykes | SponsoredAlex’s “Next Magnificent Seven” stocksThe original “Magnificent Seven” turned $7K into $1.18 million. Now, Alex Green has identified AI’s Next Ma...The Oxford Club | SponsoredElon’s Secret Social Security BombshellTo All Americans Born Before April 16th, 1963: Did Trump Just Give The Green Light To Radically RE-DO Social S...Banyan Hill Publishing | SponsoredOut of 18,347 Cryptocurrencies... This is the ONLY OneThe Single Most Undervalued DeFi Protocol You've Never Heard Of If there's one cryptocurrency you should b...Crypto 101 Media | Sponsored Adding Choose a watchlist: Watchlist Adding You have already added ten stocks to your watchlist. Upgrade to MarketBeat All Access to add more stocks to your watchlist. Adding USCB Financial Holdings, Inc. Please log in to your account or sign up in order to add this asset to your watchlist. Share USCB Financial With A Colleague Link copied to clipboard. Get 30 Days of MarketBeat All Access for Free Sign up for MarketBeat All Access to gain access to MarketBeat's full suite of research tools. Start Your 30-Day Trial MarketBeat All Access Features Best-in-Class Portfolio Monitoring Get personalized stock ideas. Compare portfolio to indices. Check stock news, ratings, SEC filings, and more. Stock Ideas and Recommendations See daily stock ideas from top analysts. Receive short-term trading ideas from MarketBeat. Identify trending stocks on social media. Advanced Stock Screeners and Research Tools Use our seven stock screeners to find suitable stocks. Stay informed with MarketBeat's real-time news. Export data to Excel for personal analysis. Sign in to your free account to enjoy these benefits In-depth profiles and analysis for 20,000 public companies. Real-time analyst ratings, insider transactions, earnings data, and more. Our daily ratings and market update email newsletter. Sign in to your free account to enjoy all that MarketBeat has to offer. Sign In Create Account Your Email Address: Email Address Required Your Password: Password Required Log In or Sign in with Facebook Sign in with Google Forgot your password? Your Email Address: Please enter your email address. Please enter a valid email address Choose a Password: Please enter your password. Your password must be at least 8 characters long and contain at least 1 number, 1 letter, and 1 special character. Create My Account (Free) or Sign in with Facebook Sign in with Google By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.