USCB Financial (USCB) Stock Price, News & Analysis

Company Overview

USCB Financial Corporation is a bank holding company headquartered in Miami, Florida. Through its subsidiary, U.S. Century Bank, the company provides banking and financial services to individuals, families, entrepreneurs, and businesses.

U.S. Century Bank offers deposit accounts, commercial and residential real estate lending, commercial and industrial loans, small business financing, consumer loans, and treasury management services. Its banking platform also includes online and mobile banking, cash management, and other digital financial services.

The company focuses primarily on customers and communities in South Florida, including the Miami-Dade, Broward, and Palm Beach markets. U.S. Century Bank was established in 2002 and has built its business around relationship-based community banking, with an emphasis on serving privately owned businesses and local professionals.

Key Stats

• Today's Range: $22.93 to $23.29
• 50-Day Range: $20.06 to $23.48
• 52-Week Range: $16.36 to $23.89
• Volume: 482,655 shs
• Average Volume: 62,379 shs
• Market Capitalization: $427.21 million
• P/E Ratio: 15.22
• Dividend Yield: 2.16%
• Price Target: $24.33
• Consensus Rating: Buy

USCB Financial Stock Analysis - MarketRank™

USCB Financial scored higher than 67% of companies evaluated by MarketBeat, and ranked 445th out of 835 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: 3.0 / 5
• Analyst Rating: Buy

Consensus Rating

USCB Financial has received a consensus rating of Buy. The company's average rating score is 3.17, and is based on 2 strong buy ratings, 3 buy ratings, 1 hold rating, and no sell ratings.

Upside/Downside

The consensus price target for USCB Financial is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

USCB Financial has been the subject of 5 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 12.92%

Earnings Growth

Earnings for USCB Financial are expected to grow by 12.92% in the coming year, from $2.09 to $2.36 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of USCB Financial is 15.22, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.67.

Price to Earnings Ratio vs. Sector

The P/E ratio of USCB Financial is 15.22, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.31.

Price to Book Value per Share Ratio

USCB Financial has a P/B Ratio of 1.93. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.06% 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 4.53.

Change versus previous month

Short interest in USCB Financial has recently increased by 1.10%, indicating that investor sentiment is decreasing.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

USCB Financial pays a meaningful dividend of 2.16%, 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 32.89%. 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 21.19% next year. This indicates that USCB Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

MarketBeat Follows

1 people have added USCB Financial to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.4 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, USCB Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

27.40% 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.

Company Calendar

• Last Earnings: 7/23/2026
• Record date for 9/4 Dividend: 8/17/2026
• Ex-Dividend for 9/4 Dividend: 8/17/2026
• Dividend Payable: 9/04/2026
• Today: 9/20/2026
• Next Earnings (Estimated): 10/22/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:USCB
• CIK: 1901637
• Web: www.uscentury.com
• Phone: 305-715-5200
• Fax: N/A
• Employees: 205
• Year Founded: N/A

Price Target and Rating

• Average Price Target for USCB Financial: $24.33
• High Price Target: $27.00
• Low Price Target: $22.00
• Potential Upside/Downside: +5.2%
• Consensus Rating: Buy
• Rating Score (0-4): 3.17
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.52
• Trailing P/E Ratio: 15.22
• Forward P/E Ratio: 11.07
• P/E Growth: N/A
• Net Income: $26.10 million
• Net Margins: 17.24%
• Pretax Margin: 23.68%
• Return on Equity: 15.77%
• Return on Assets: 1.22%

Debt

• Debt-to-Equity Ratio: 1.20
• Current Ratio: 0.97
• Quick Ratio: 0.97

Sales & Book Value

• Annual Sales: $159.60 million
• Price / Sales: 2.68
• Cash Flow: $1.82 per share
• Price / Cash Flow: 12.73
• Book Value: $11.99 per share
• Price / Book: 1.93

Miscellaneous

• Outstanding Shares: 18,470,000
• Free Float: 13,412,000
• Market Cap: $427.21 million
• Optionable: Not Optionable
• Beta: 0.47