Should I buy or sell USCB Financial stock right now?

4 Wall Street equities research analysts have issued "buy," "hold," and "sell" ratings for USCB Financial in the last year. There are currently 2 hold ratings and 2 buy ratings for the stock. The consensus among Wall Street equities research analysts is that investors should "moderate buy" USCB shares. View USCB analyst ratings or view top-rated stocks .

What is USCB Financial's stock price target for 2024?

4 Wall Street research analysts have issued 12 month price objectives for USCB Financial's shares. Their USCB share price targets range from $12.00 to $15.00. On average, they anticipate the company's stock price to reach $13.00 in the next year. This suggests a possible upside of 12.3% from the stock's current price. View analysts price targets for USCB or view top-rated stocks among Wall Street analysts .

How have USCB shares performed in 2023?

USCB Financial's stock was trading at $12.20 at the start of the year. Since then, USCB stock has decreased by 5.1% and is now trading at $11.58. View the best growth stocks for 2023 here .

Are investors shorting USCB Financial?

USCB Financial saw a increase in short interest in November. As of November 15th, there was short interest totaling 36,200 shares, an increase of 26.1% from the October 31st total of 28,700 shares. Based on an average daily trading volume, of 15,500 shares, the short-interest ratio is presently 2.3 days. Approximately 0.4% of the shares of the stock are sold short. View USCB Financial's Short Interest .

When is USCB Financial's next earnings date?

The company is scheduled to release its next quarterly earnings announcement on Thursday, January 25th 2024. View our USCB earnings forecast .

How were USCB Financial's earnings last quarter?

USCB Financial Holdings, Inc. (NASDAQ:USCB) announced its quarterly earnings results on Thursday, October, 26th. The company reported $0.19 earnings per share for the quarter, missing analysts' consensus estimates of $0.20 by $0.01. The company earned $16.18 million during the quarter, compared to analysts' expectations of $16.74 million. USCB Financial had a trailing twelve-month return on equity of 10.78% and a net margin of 18.33%.

When did USCB Financial IPO?

(USCB) raised $40 million in an IPO 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.

Who are USCB Financial's major shareholders?

USCB Financial's stock is owned by a number of retail and institutional investors. Top institutional shareholders include Pacific Ridge Capital Partners LLC (2.17%), Raymond James & Associates (0.47%), Kennedy Capital Management LLC (0.37%) and LWM Advisory Services LLC (0.02%). 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 WeBull , Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Robinhood, Fidelity, and Charles Schwab. Compare Top Brokerages Here .

USCB Financial Stock Price, News & Analysis (NASDAQ:USCB)

$11.58

+0.13 (+1.14%)

(As of 11/30/2023 ET)

Compare

Today's Range: $11.49
▼
$11.58
50-Day Range: $10.11
▼
$12.22
52-Week Range: $8.56
▼
$13.74

Volume: 6,776 shs
Average Volume: 22,243 shs
Market Capitalization: $226.30 million

P/E Ratio: 12.73
Dividend Yield: N/A
Price Target: $13.00

USCB Financial MarketRank™ Stock Analysis

Analyst Rating: Moderate Buy
2.50 Rating Score
Upside/Downside: 12.3% Upside
$13.00 Price Target
Short Interest: Healthy
0.35% of Float Sold Short
Dividend Strength: N/A
Sustainability: N/A
News Sentiment: 0.43
Based on 2 Articles This Week
Insider Trading: Acquiring Shares
$4,608 Bought Last Quarter
Proj. Earnings Growth: 10.99%
From $0.91 to $1.01 Per Share

Overall MarketRank^™

MarketRank is calculated as an average of available category scores, with extra weight given to analysis and valuation.

2.31 out of 5 stars

Finance Sector

392nd out of 874 stocks

State Commercial Banks Industry

85th out of 185 stocks

2.3

Analyst's Opinion

Consensus Rating
USCB Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 2 buy ratings, 2 hold ratings, and no sell ratings.
Price Target Upside/Downside
According to analysts' consensus price target of $13.00, USCB Financial has a forecasted upside of 12.3% from its current price of $11.58.
Amount of Analyst Coverage
USCB Financial has received no research coverage in the past 90 days.

3.0

Short Interest

Percentage of Shares Shorted
0.35% 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 2.3, 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 26.13%, indicating that investor sentiment is decreasing significantly.

0.0

Dividend Strength

Dividend Yield
USCB Financial does not currently pay a dividend.
Dividend Growth
USCB Financial does not have a long track record of dividend growth.

N/A

Sustainability and ESG

Overall ESG (Environmental, Social, and Governance) Score
There is no current Upright™ data available for USCB.

1.9

News and Social Media Coverage

News Sentiment
USCB Financial has a news sentiment score of 0.43. 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 lower news sentiment than the 0.64 average news sentiment score of Finance companies.
News Coverage This Week
MarketBeat has tracked 2 news articles for USCB Financial this week, compared to 0 articles on an average week.

4.2

Company Ownership

Insider Buying vs. Insider Selling
In the past three months, USCB Financial insiders have bought more of their company's stock than they have sold. Specifically, they have bought $4,608.00 in company stock and sold $0.00 in company stock.
Percentage Held by Insiders
48.10% 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
58.31% of the stock of USCB Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

2.5

Earnings and Valuation

Earnings Growth
Earnings for USCB Financial are expected to grow by 10.99% in the coming year, from $0.91 to $1.01 per share.
Price to Earnings Ratio vs. the Market
The P/E ratio of USCB Financial is 12.73, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 112.80.
Price to Earnings Ratio vs. Sector
The P/E ratio of USCB Financial is 12.73, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 44.96.
Price to Book Value per Share Ratio
USCB Financial has a P/B Ratio of 1.24. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

See Top Rated MarketRank™ Stocks Here

About USCB Financial Stock (NASDAQ:USCB)

USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that engages in the provision of various banking products and services to small-to-medium sized businesses. The company accepts checking and savings accounts, certificates of deposit, and money market deposit and time deposit accounts. Its loan products include small business administration loans, yacht financing, residential real estate loans; 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.

USCB Stock Price History

30 days | 90 days | 365 days | Advanced Chart

USCB Stock News Headlines

November 2, 2023 | finance.yahoo.com

USCB Financial Holdings, Inc. Announces Retirement of Chief Credit Officer, Benigno Pazos; Announces the Departure of Jay Shehadeh, General Counsel; Promotes Maricarmen Logroño to Chief Risk Officer

October 31, 2023 | usnews.com

University of South Carolina Beaufort Student Life

November 30, 2023 | Tomorrow Investor (Ad)

The Only Practical Solution to the World’s Looming Energy Crisis

There’s just one problem: There are more plans for new uses of nuclear than there is uranium to fuel the plants!

October 26, 2023 | finance.yahoo.com

USCB Financial Holdings, Inc. (USCB) Q3 Earnings and Revenues Lag Estimates

October 26, 2023 | finance.yahoo.com

USCB Financial Holdings, Inc. Reports Diluted EPS of $0.19 for Q3 2023

October 18, 2023 | finance.yahoo.com

USCB Financial Holdings, Inc. (NASDAQ:USCB) is favoured by institutional owners who hold 58% of the company

October 6, 2023 | finance.yahoo.com

USCB Financial Holdings, Inc. to Announce Third Quarter 2023 Results

August 1, 2023 | msn.com

Piper Sandler Maintains USCB Financial Holdings Inc - (USCB) Neutral Recommendation

November 30, 2023 | Tomorrow Investor (Ad)

The Only Practical Solution to the World’s Looming Energy Crisis

There’s just one problem: There are more plans for new uses of nuclear than there is uranium to fuel the plants!

July 29, 2023 | finance.yahoo.com

USCB Financial Holdings (NASDAQ:USCB) shareholders have endured a 10% loss from investing in the stock a year ago

July 28, 2023 | finance.yahoo.com

USCB Financial Holdings, Inc. Reports EPS of $0.21 for Q2 2023

July 20, 2023 | msn.com

USCB Financial Holdings, Inc. (USCB) Expected to Beat Earnings Estimates: Should You Buy?

July 12, 2023 | msn.com

Janney Montgomery Scott Initiates Coverage of USCB Financial Holdings Inc - (USCB) with Neutral Recommendation

July 11, 2023 | msn.com

Benzinga's Top Ratings Upgrades, Downgrades For July 11, 2023

July 6, 2023 | finance.yahoo.com

USCB Financial Holdings, Inc. to Announce Second Quarter 2023 Results

June 29, 2023 | bizjournals.com

U.S. Century Bank names new chairman

June 28, 2023 | benzinga.com

USCB Financial Holdings Appoints Luis de la Aguilera To Succeed Aida Levitan As Chairman Of Board

June 28, 2023 | msn.com

USCB Financial president and CEO takes on board chair responsibility

June 28, 2023 | finance.yahoo.com

USCB Financial Holdings, Inc. President and Chief Executive Officer Appointed as Chairman of the Board, Strengthening Growth and Innovation

May 16, 2023 | finance.yahoo.com

USCB Financial Holdings, Inc. (USCB) Reports Next Week: Wall Street Expects Earnings Growth

May 15, 2023 | msn.com

Statehouse earmarks over $25 million for projects in Beaufort County. What’s being funded?

May 7, 2023 | finance.yahoo.com

With 65% ownership of the shares, USCB Financial Holdings, Inc. (NASDAQ:USCB) is heavily dominated by institutional owners

May 2, 2023 | msn.com

Keefe, Bruyette & Woods Maintains U.S. Century Bank (USCB) Outperform Recommendation

April 27, 2023 | finance.yahoo.com

USCB Financial Holdings, Inc. Reports EPS of $0.29 and ROAA of 1.11% for Q1 2023

April 26, 2023 | msn.com

Earnings Preview For USCB Financial Holdings

April 7, 2023 | nasdaq.com

Raymond James Maintains U.S. Century Bank (USCB) Outperform Recommendation

April 6, 2023 | msn.com

SC Senate proposes funding for USC-owned island Gov. McMaster vowed to save. Is it enough?

See More Headlines

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Company Calendar

Last Earnings: 10/26/2023
Today: 11/30/2023
Fiscal Year End: 12/31/2023
Next Earnings (Estimated): 1/25/2024

Get Stock Alerts

Industry, Sector and Symbol

Stock Exchange: NASDAQ
Industry: State commercial banks
Sub-Industry: N/A
Sector: Finance
Current Symbol: NASDAQ:USCB
CUSIP: N/A
CIK: 1901637
Web: www.uscentury.com
Phone: 305-715-5200
Fax: N/A
Employees: 191
Year Founded: N/A

Price Target and Rating

Average Stock Price Target: $13.00
High Stock Price Target: $15.00
Low Stock Price Target: $12.00
Potential Upside/Downside: +13.0%
Consensus Rating: Moderate Buy
Rating Score (0-4): 2.50
Research Coverage: 4 Analysts

Profitability

EPS (Most Recent Fiscal Year): $0.91
Trailing P/E Ratio: 12.64
Forward P/E Ratio: 12.64
P/E Growth: N/A
Net Income: $20.14 million
Net Margins: 18.33%
Pretax Margin: 24.24%
Return on Equity: 10.78%
Return on Assets: 0.91%

Debt

Debt-to-Equity Ratio: 0.56
Current Ratio: 0.87
Quick Ratio: 0.87

Sales & Book Value

Annual Sales: $67.01 million
Price / Sales: 3.35
Cash Flow: $1.08 per share
Price / Cash Flow: 10.64
Book Value: $9.36 per share
Price / Book: 1.23

Miscellaneous

Outstanding Shares: 19,542,000
Free Float: 10,142,000
Market Cap: $224.73 million
Optionable: Not Optionable
Beta: 0.35

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Key Executives

Mr. Luis F. de la Aguilera (Age 62)
President, CEO & Chairman
Comp: $892.59k
Mr. Robert B. Anderson CPA (Age 57)
Executive VP & CFO
Comp: $532.24k
Mr. Jalal Shehadeh Esq. (Age 37)
EVP, General Counsel & Secretary
Comp: $531.37k
Mr. Benigno Pazos CPA (Age 70)
Executive VP & Chief Credit Officer
Comp: $465.1k
Mr. Andres L. Collazo (Age 59)
Executive VP and Director of Operations & Information Technology Systems
Mr. Roberto Diaz CPA
Senior VP, Controller & Chief Accounting Officer
Ms. Martha Guerra-Kattou (Age 54)
Executive VP & Director of Sales & Marketing
Ms. Jessica Goldberg
Senior VP & Human Resources Director
Mr. Oscar Gomez (Age 68)
Executive VP & Head of Global Banking Division
Ms. Maricarmen Logroño
Executive VP & Chief Risk Officer

Key Competitors

View All Competitors

Insiders & Institutions

View All Insider Transactions
View All Institutional Transactions

USCB Stock Analysis - Frequently Asked Questions

Should I buy or sell USCB Financial stock right now?: 4 Wall Street equities research analysts have issued "buy," "hold," and "sell" ratings for USCB Financial in the last year. There are currently 2 hold ratings and 2 buy ratings for the stock. The consensus among Wall Street equities research analysts is that investors should "moderate buy" USCB shares.
View USCB analyst ratings or view top-rated stocks.
What is USCB Financial's stock price target for 2024?: 4 Wall Street research analysts have issued 12 month price objectives for USCB Financial's shares. Their USCB share price targets range from $12.00 to $15.00. On average, they anticipate the company's stock price to reach $13.00 in the next year. This suggests a possible upside of 12.3% from the stock's current price.
View analysts price targets for USCB or view top-rated stocks among Wall Street analysts.
How have USCB shares performed in 2023?: USCB Financial's stock was trading at $12.20 at the start of the year. Since then, USCB stock has decreased by 5.1% and is now trading at $11.58.
View the best growth stocks for 2023 here.
Are investors shorting USCB Financial?: USCB Financial saw a increase in short interest in November. As of November 15th, there was short interest totaling 36,200 shares, an increase of 26.1% from the October 31st total of 28,700 shares. Based on an average daily trading volume, of 15,500 shares, the short-interest ratio is presently 2.3 days. Approximately 0.4% of the shares of the stock are sold short.
View USCB Financial's Short Interest.
When is USCB Financial's next earnings date?: The company is scheduled to release its next quarterly earnings announcement on Thursday, January 25th 2024.
View our USCB earnings forecast.

How were USCB Financial's earnings last quarter?: USCB Financial Holdings, Inc. (NASDAQ:USCB) announced its quarterly earnings results on Thursday, October, 26th. The company reported $0.19 earnings per share for the quarter, missing analysts' consensus estimates of $0.20 by $0.01. The company earned $16.18 million during the quarter, compared to analysts' expectations of $16.74 million. USCB Financial had a trailing twelve-month return on equity of 10.78% and a net margin of 18.33%.
When did USCB Financial IPO?: (USCB) raised $40 million in an IPO 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.
Who are USCB Financial's major shareholders?: USCB Financial's stock is owned by a number of retail and institutional investors. Top institutional shareholders include Pacific Ridge Capital Partners LLC (2.17%), Raymond James & Associates (0.47%), Kennedy Capital Management LLC (0.37%) and LWM Advisory Services LLC (0.02%).
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 WeBull, Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Robinhood, Fidelity, and Charles Schwab.
Compare Top Brokerages Here.

This page (NASDAQ:USCB) was last updated on 11/30/2023 by MarketBeat.com Staff

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