USCB Financial (USCB) Stock Price, News & Analysis

Company Overview

USCB Financial (NASDAQ: USCB) is a bank holding company headquartered in Columbia, South Carolina, serving as the parent company of United Security Bank. Established to support community banking in the Midlands region, the company focuses on relationship-driven financial services tailored to both individuals and businesses. As a regional player, USCB Financial emphasizes personalized service through a network of full-service branch offices.

The company’s core business activities include commercial and consumer lending, deposit products and alternative delivery channels. Commercial banking services encompass term loans, lines of credit and equipment financing for small- to medium-sized enterprises. Consumer services feature residential mortgages, home equity lines of credit and a suite of deposit accounts, including checking, savings and money market options. Through its wealth management and trust division, USCB Financial offers investment advisory, brokerage and fiduciary services designed for individuals, families and non-profit organizations.

Beyond traditional banking, USCB Financial provides ancillary financial solutions such as insurance products and treasury management services. These offerings help clients manage risk, optimize cash flow and streamline receivables and payables. The bank’s mortgage department works with buyers across South Carolina, guiding them through origination to closing, while its insurance advisors deliver property, casualty and life insurance coverage underwritten by national carriers.

Under the leadership of President and CEO Mark A. Mancuso, USCB Financial has maintained a community-focused approach since its inception. The company leverages local market knowledge to support economic development in Columbia and surrounding areas. While rooted in South Carolina, USCB Financial continues to explore strategic growth opportunities that align with its commitment to personalized service and community engagement.

Key Stats

• Today's Range: $19.11 to $19.59
• 50-Day Range: $17.95 to $20.17
• 52-Week Range: $15.83 to $20.78
• Volume: 93,989 shs
• Average Volume: 40,030 shs
• Market Capitalization: $349.68 million
• P/E Ratio: 13.39
• Dividend Yield: 2.61%
• Price Target: $22.00
• Consensus Rating: Moderate Buy

USCB Financial Stock Analysis - MarketRank™

USCB Financial scored higher than 96% of companies evaluated by MarketBeat, and ranked 72nd out of 875 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: 3.6 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

USCB Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.80, and is based on 1 strong buy rating, 2 buy ratings, 2 hold ratings, and no sell ratings.

Upside Potential

USCB Financial has a consensus price target of $22.00, representing about 14.9% upside from its current price of $19.15.

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: 8.42%

Earnings Growth

Earnings for USCB Financial are expected to grow by 8.42% in the coming year, from $2.02 to $2.19 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of USCB Financial is 13.39, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.94.

Price to Earnings Ratio vs. Sector

The P/E ratio of USCB Financial is 13.39, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.21.

Price to Book Value per Share Ratio

USCB Financial has a P/B Ratio of 1.60. 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

1.52% 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 2.69, 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 0.14%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

USCB Financial pays a meaningful dividend of 2.61%, 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 34.97%. 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 22.83% next year. This indicates that USCB Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: 0.85

News Sentiment

USCB Financial has a news sentiment score of 0.85. 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 0.69 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for USCB Financial this week, compared to 3 articles on an average week.

Company Ownership

• Score: 2.1 / 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 $4,514,106.00 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.

Company Calendar

• Last Earnings: 4/23/2026
• Record date for 6/5 Dividend: 5/15/2026
• Ex-Dividend for 6/5 Dividend: 5/15/2026
• Dividend Payable: 6/05/2026
• Today: 6/20/2026
• Next Earnings (Estimated): 7/23/2026
• Fiscal Year End: 12/31/2026

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 Price Target for USCB Financial: $22.00
• High Price Target: $24.00
• Low Price Target: $20.00
• Potential Upside/Downside: +14.9%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.80
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.43
• Trailing P/E Ratio: 13.39
• Forward P/E Ratio: 9.48
• P/E Growth: N/A
• Net Income: $26.10 million
• Net Margins: 17.04%
• Pretax Margin: 23.00%
• Return on Equity: 15.37%
• Return on Assets: 1.22%

Debt

• Debt-to-Equity Ratio: 0.41
• Current Ratio: 0.91
• Quick Ratio: 0.91

Sales & Book Value

• Annual Sales: $159.60 million
• Price / Sales: 2.19
• Cash Flow: $1.82 per share
• Price / Cash Flow: 10.54
• Book Value: $11.99 per share
• Price / Book: 1.60

Miscellaneous

• Outstanding Shares: 18,260,000
• Free Float: 9,223,000
• Market Cap: $349.68 million
• Optionable: Not Optionable
• Beta: 0.53