Top-Rated Dividend StocksTop-Rated DividendPositive News SentimentPositive NewsNASDAQ:USCB USCB Financial (USCB) Stock Price, News & Analysis $22.29 -0.36 (-1.59%) Closing price 09/29/2026 04:00 PM EasternExtended Trading$22.29 0.00 (0.00%) As of 05:58 AM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsInsider TradesNews and TrendsOwnershipSEC FilingsShort Interest About USCB Financial Stock (NASDAQ:USCB) View Price History Chart DataSkip Price History Chart 1 Day 5 Days 30 Days 90 Days 1 Year Advanced 1 Day 1 Day 5 Days 30 Days 90 Days 1 Year Advanced Show volume Show extended hours Get USCB Financial alerts:Sign Up Key Stats Today's Range$22.15▼$22.9150-Day Range$20.18▼$23.4852-Week Range$16.36▼$23.89Volume55,938 shsAverage Volume89,427 shsMarket Capitalization$411.70 millionP/E Ratio14.66Dividend Yield2.24%Price Target$24.33Consensus RatingModerate Buy 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.AI Generated. May Contain Errors. Read More USCB Financial Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks94th Percentile Overall ScoreUSCB MarketRank™: USCB Financial scored higher than 94% of companies evaluated by MarketBeat, and ranked 162nd out of 852 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion3.2 / 5Analyst RatingModerate Buy Consensus RatingUSCB 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/DownsideThe consensus price target for USCB Financial is close to its current price, suggesting limited near-term upside or downside.Amount of Analyst CoverageUSCB Financial has been the subject of 5 research reports in the past 90 days, demonstrating strong analyst interest in this stock.Read more about USCB Financial's stock forecast and price target. Earnings and Valuation2.5 / 5Proj. Earnings Growth12.92% Earnings GrowthEarnings 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 MarketThe P/E ratio of USCB Financial is 14.66, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.75.Price to Earnings Ratio vs. SectorThe P/E ratio of USCB Financial is 14.66, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.34.Price to Book Value per Share RatioUSCB Financial has a P/B Ratio of 1.86. 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 Interest5.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted1.89% 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 3.06, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in USCB Financial has recently decreased by 8.07%, indicating that investor sentiment is improving significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldUSCB Financial pays a meaningful dividend of 2.21%, 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 32.89%. 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 21.19% next year. This indicates that USCB Financial will be able to sustain or increase its dividend.Read more about USCB Financial's dividend. News and Social Media3.6 / 5News Sentiment1.82 News SentimentUSCB Financial has a news sentiment score of 1.82. 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 0.72 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 2 news articles for USCB Financial this week, compared to 2 articles on an average week.MarketBeat Follows1 people have added USCB Financial to their MarketBeat watchlist in the last 30 days. Company Ownership1.4 / 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 Insiders27.40% 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 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 TermsSMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. By 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 HeadlinesComparing USCB Financial (NASDAQ:USCB) & Peoples Bancorp (NASDAQ:PEBO)3 hours ago | americanbankingnews.comUSCB Financial Holdings, Inc. (NASDAQ:USCB) Receives Consensus Rating of "Buy" from AnalystsSeptember 22, 2026 | americanbankingnews.comThe case for $20,000 gold before year endPresident Trump reposted a warning from precious metals expert Jim Rickards, tying the November midterms and America's $40 trillion national debt to a potential surge in gold prices, with some forecasts pointing to $10,000 or even $20,000 gold. Dr. David Eifrig, a 40-year market veteran and former Goldman Sachs Vice President, says an unusual plan involving Trump and two other top officials could fuel the biggest gold bull run in decades. Eifrig has shared his top gold pick tied to this developing story.September 30 at 1:00 AM | Stansberry Research (Ad)USCB Financial Earnings Call Highlights Growth, Margin StrengthJuly 28, 2026 | tipranks.comUSCB Financial Highlights Growth, Margins in Earnings CallJuly 24, 2026 | tipranks.comUSCB outlines near-term 3.40%-3.50% NIM range while reiterating high single-digit to low double-digit loan growthJuly 24, 2026 | seekingalpha.comUSCB Financial Holdings, Inc. (USCB) Q2 2026 Earnings Call TranscriptJuly 24, 2026 | seekingalpha.comUSCB Financial Holdings, Inc. Surpasses $3 Billion in Assets with 14.6% Annualized Linked-Quarter Loan Growth; Achieves Q2 2026 EPS of $0.49, 3.49% Net Interest Margin, ROAA of ...July 23, 2026 | markets.businessinsider.comSee More Headlines USCB Stock Analysis - Frequently Asked Questions How have USCB shares performed this year? USCB Financial's stock was trading at $18.42 at the start of the year. Since then, USCB stock has increased by 21.0% and is now trading at $22.29. How were USCB Financial's earnings last quarter? USCB Financial Holdings, Inc. (NASDAQ:USCB) announced its earnings results on Thursday, July, 23rd. The company reported $0.49 earnings per share for the quarter, beating analysts' consensus estimates of $0.49 by $0.00. The company earned $27.95 million during the quarter, compared to analysts' expectations of $26.74 million. USCB Financial had a trailing twelve-month return on equity of 15.77% and a net margin of 17.24%. Read the conference call transcript. When did USCB Financial IPO? USCB Financial (USCB) raised $40 million in an initial public offering 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) served 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 Earnings7/23/2026Record date for 9/4 Dividend8/17/2026Ex-Dividend for 9/4 Dividend8/17/2026Dividend Payable9/04/2026Today9/30/2026Next Earnings (Estimated)10/22/2026Fiscal Year End12/31/2026Get Stock Alerts Health Indicator TradeSmith's Health IndicatorA long-term volatility-based measure designed for securities held 12 months or longer.Green: Strong and healthy uptrend with normal pullbacks.Yellow: Significant pullback but still within expected volatility.Red: Dropped beyond expected volatility; considered unhealthy. Green Zone (11m+) 1-Year History Sep 25 Dec 25 Mar 26 Jun 26 Sep 26 USCB's financial health is in the Green zone, according to TradeSmith. USCB has been in this zone for over 11 months. Industry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry Banks Sub-IndustryRegional Banks Current SymbolNASDAQ:USCB CIK1901637 Webwww.uscentury.com Phone305-715-5200FaxN/AEmployees205Year FoundedN/APrice Target and Rating Average Price Target for USCB Financial$24.33 High Price Target$27.00 Low Price Target$22.00 Potential Upside/Downside+9.2%Consensus RatingModerate Buy Rating Score (0-4)2.83 Research Coverage6 Analysts Profitability EPS (Trailing Twelve Months)$1.52 Trailing P/E Ratio14.66 Forward P/E Ratio10.67 P/E GrowthN/ANet Income$26.10 million Net Margins17.24% Pretax Margin23.68% Return on Equity15.77% Return on Assets1.22% Debt Debt-to-Equity Ratio1.20 Current Ratio0.97 Quick Ratio0.97 Sales & Book Value Annual Sales$159.60 million Price / Sales2.58 Cash Flow$1.79 per share Price / Cash Flow12.47 Book Value$11.99 per share Price / Book1.86Miscellaneous Outstanding Shares18,470,000Free Float13,412,000Market Cap$411.70 million OptionableNot Optionable Beta0.47 7 Stocks to Buy Before the Robotics RevolutionRobotics and automation are rapidly becoming essential infrastructure across healthcare, manufacturing, logistics, and many other industries. 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