USCB Financial (USCB) Stock Price, News & Analysis

Company Overview

USCB Financial Corp. is the bank holding company for U.S. Century Bank, a community bank headquartered in Miami, Florida. Through its banking subsidiary, the company provides financial services to individuals, families, professionals and businesses, with a focus on relationship-based banking.

U.S. Century Bank offers a range of deposit products, including checking, savings, money market and certificate of deposit accounts. Its lending services include commercial real estate, commercial and industrial, residential real estate and consumer loans. The bank also provides treasury management, online and mobile banking, cash management and other services designed to support business and personal financial needs.

Founded in 2002, U.S. Century Bank primarily serves communities in South Florida, including the Miami-Dade, Broward and Palm Beach County markets. USCB Financial Corp. became a publicly traded company in 2021, with its common stock listed on the Nasdaq Capital Market under the symbol “USCB.”

Key Stats

• Today's Range: $21.77 to $22.18
• 50-Day Range: $21.83 to $23.48
• 52-Week Range: $16.36 to $23.89
• Volume: 45,578 shs
• Average Volume: 87,269 shs
• Market Capitalization: $407.08 million
• P/E Ratio: 14.50
• Dividend Yield: 2.27%
• Price Target: $24.33
• Consensus Rating: Moderate Buy

USCB Financial Stock Analysis - MarketRank™

USCB Financial scored higher than 86% of companies evaluated by MarketBeat, and ranked 366th out of 853 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: 3.2 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

USCB Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.83, and is based on 1 strong buy rating, 3 buy ratings, 2 hold ratings, and no sell ratings.

Upside Potential

USCB Financial has a consensus price target of $24.33, representing about 10.4% upside from its current price of $22.04.

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 14.50, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.78.

Price to Earnings Ratio vs. Sector

The P/E ratio of USCB Financial is 14.50, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.72.

Price to Book Value per Share Ratio

USCB Financial has a P/B Ratio of 1.84. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.03% 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 2.86, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in USCB Financial has recently increased by 7.27%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

USCB Financial pays a meaningful dividend of 2.27%, 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: 3.1 / 5
• News Sentiment: 0.91

News Sentiment

USCB Financial has a news sentiment score of 0.91. 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 0.62 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for USCB Financial this week, compared to 2 articles on an average week.

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: 10/10/2026
• 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: +10.4%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.83
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.52
• Trailing P/E Ratio: 14.50
• Forward P/E Ratio: 10.55
• 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: 2.55
• Cash Flow: $1.82 per share
• Price / Cash Flow: 12.13
• Book Value: $11.99 per share
• Price / Book: 1.84

Miscellaneous

• Outstanding Shares: 18,470,000
• Free Float: 13,412,000
• Market Cap: $407.08 million
• Optionable: Not Optionable
• Beta: 0.45