Symbols / USCB Stock $19.12 -1.80% USCB Financial Holdings, Inc.

Financial Services • Banks - Regional • United States • NGM
USCB (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Luis F. de la Aguilera
Exch · Country NGM · United States
Market Cap 349.08M
Enterprise Value 362.46M
Income 27.79M
Sales 91.17M
FCF (ttm) —
Book/sh 11.97
Cash/sh 4.33
Employees 211
Insider 10d —
IPO Jul 23, 2021
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 29.85%
P/E 14.27
Forward P/E 8.58
PEG —
P/S 3.83
P/B 1.60
P/C —
EV/EBITDA —
EV/Sales 3.98
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.34
EPS next Y 2.23
EPS Growth 34.20%
Revenue Growth 14.70%
EPS Gr Q/Q 22.10%
Rev Gr Q/Q —
Earnings (next) 2026-07-23
Earnings (prior) 2026-04-23
ROA 1.01%
ROE 12.40%
ROIC —
Gross Margin 0.00%
Oper. Margin 47.92%
Profit Margin 30.48%
Shs Outstand 18.26M
Shs Float 14.67M
Insider Own 24.63%
Instit Own 64.48%
Short Float 1.14%
Short Ratio 3.26
Short Interest 132.22K
52W High 20.79
vs 52W High -8.01%
52W Low 15.56
vs 52W Low 22.84%
Beta 0.59
Impl. Vol. —
Rel Volume 1.01
Avg Volume 49.94K
Volume 50.65K
Target (mean) $21.55
Tgt Median $21.25
Tgt Low $19.50
Tgt High $23.00
# Analysts 5
Recom Buy
Prev Close $19.47
Price $19.12
Change -1.80%
About

USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various personal and business banking products and services in the United States. The company offers small business administration and yacht lending services; homeowners association services, including deposit collection, lockbox services, payment services, and lending products; jurist advantage and private client group services; correspondent banking services for banks in certain Latin America and the Caribbean countries. It also provides deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, and certificates of deposit; treasury, commercial payment, and cash management services; insured cash sweep and certificate of deposit account registry services; and clients title insurance policies for real estate transactions. The company was founded in 2002 and is headquartered in Doral, Florida.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$21.55
Mean price target
2. Current target
$19.12
Latest analyst target
3. DCF / Fair value
$20.10
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$19.12
Low
$19.50
High
$23.00
Mean
$21.55

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-09-08 main Piper Sandler Overweight → Overweight $23
2025-09-08 up Raymond James Outperform → Strong Buy $22
2025-07-28 up Raymond James Market Perform → Outperform $20
2025-04-28 main Keefe, Bruyette & Woods Outperform → Outperform $21
2025-04-02 down Raymond James Outperform → Market Perform —
2024-11-04 up Piper Sandler Neutral → Overweight $20
2024-07-29 main Keefe, Bruyette & Woods Outperform → Outperform $17
2024-01-30 main Keefe, Bruyette & Woods Outperform → Outperform $15
2024-01-29 main Raymond James Outperform → Outperform $13
2023-07-31 main Piper Sandler Neutral → Neutral $12
2023-07-11 init Janney Montgomery Scott — → Neutral —
2023-05-02 main Keefe, Bruyette & Woods — → Outperform $13
2023-04-06 main Raymond James — → Outperform $12
2023-01-31 main Keefe, Bruyette & Woods — → Outperform $15
2023-01-30 main Raymond James — → Outperform $15
News
RSS: Latest USCB news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-06 COLLAZO ANDRES Officer — 8,000 $18.27 $146,160
2026-03-06 COLLAZO ANDRES Officer — 8,000 $7.50 $60,000
2026-02-05 WYCOFF W KIRK Director and Beneficial Owner of more than 10% of a Class of Security — 7,500 $7.50 $56,250
2026-01-29 DE LA AGUILERA LUIS Chief Executive Officer — 10,000 $18.02 $180,200
2026-01-29 DE LA AGUILERA LUIS Chief Executive Officer — 10,000 $7.50 $75,000
2026-01-27 BUSTLE NICHOLAS Officer — 7,015 $0.00 $0
2026-01-27 DE LA AGUILERA LUIS Chief Executive Officer — 27,632 $0.00 $0
2026-01-27 GUERRA-KATTOU MARTHA Officer — 6,217 $0.00 $0
2026-01-27 GOMEZ OSCAR Officer — 6,177 $0.00 $0
2026-01-27 ANDERSON ROBERT B Chief Financial Officer — 8,878 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
90.22
+9.13%
82.68
+25.32%
65.97
-4.01%
68.73
Operating Revenue
90.22
+9.13%
82.68
+25.32%
65.97
-4.01%
68.73
Selling General And Administration
32.17
+11.72%
28.79
+17.86%
24.43
+2.03%
23.94
General And Administrative Expense
32.17
+11.72%
28.79
+17.86%
24.43
+2.03%
23.94
Salaries And Wages
32.17
+11.72%
28.79
+17.86%
24.43
+2.03%
23.94
Other Gand A
—
—
—
—
Reconciled Depreciation
0.62
+5.45%
0.59
-0.51%
0.59
-14.24%
0.69
Total Unusual Items
—
—
0.00
-100.00%
0.16
Total Unusual Items Excluding Goodwill
—
—
0.00
-100.00%
0.16
Special Income Charges
—
—
0.00
-100.00%
0.16
Other Special Charges
—
—
—
-0.16
Net Income
26.10
+5.78%
24.67
+49.13%
16.55
-17.85%
20.14
Pretax Income
35.92
+10.59%
32.48
+49.00%
21.80
-19.53%
27.09
Net Interest Income
83.63
+19.58%
69.94
+19.41%
58.57
-8.00%
63.66
Interest Expense
61.86
+0.91%
61.30
+44.40%
42.45
+470.63%
7.44
Interest Income
145.49
+10.86%
131.23
+29.91%
101.02
+42.08%
71.10
Gain On Sale Of Security
—
0.01
+100.75%
-1.86
+26.49%
-2.53
Tax Provision
9.82
+25.80%
7.80
+48.60%
5.25
-24.38%
6.94
Tax Rate For Calcs
0.00
+13.83%
0.00
-0.37%
0.00
-5.86%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
-100.00%
0.04
Net Income Including Noncontrolling Interests
26.10
+5.78%
24.67
+49.13%
16.55
-17.85%
20.14
Net Income From Continuing Operation Net Minority Interest
26.10
+5.78%
24.67
+49.13%
16.55
-17.85%
20.14
Net Income From Continuing And Discontinued Operation
26.10
+5.78%
24.67
+49.13%
16.55
-17.85%
20.14
Net Income Continuous Operations
26.10
+5.78%
24.67
+49.13%
16.55
-17.85%
20.14
Normalized Income
26.10
+5.78%
24.67
+49.13%
16.55
-17.36%
20.02
Net Income Common Stockholders
26.10
+5.78%
24.67
+49.13%
16.55
-17.85%
20.14
Otherunder Preferred Stock Dividend
—
—
—
—
Diluted EPS
—
1.24
+47.62%
0.84
-16.00%
1.00
Basic EPS
—
1.25
+48.81%
0.84
-16.83%
1.01
Basic Average Shares
—
19.68
+0.27%
19.62
-1.89%
20.00
Diluted Average Shares
—
19.83
+0.73%
19.69
-2.42%
20.18
Diluted NI Availto Com Stockholders
26.10
+5.78%
24.67
+49.13%
16.55
-17.85%
20.14
Occupancy And Equipment
5.33
+1.37%
5.26
+0.54%
5.23
+3.40%
5.06
Other Non Interest Expense
12.57
+10.05%
11.42
+11.44%
10.25
+36.67%
7.50
Preferred Stock Dividends
—
—
—
—
Professional Expense And Contract Services Expense
1.94
+23.79%
1.57
-17.43%
1.90
-32.37%
2.81
Line Item Trend 2023-12-31
Total Assets
2,339.09
Cash And Cash Equivalents
41.06
Cash Financial
8.02
Other Short Term Investments
229.33
Receivables
10.69
Accounts Receivable
10.69
Net PPE
16.26
Gross PPE
38.38
Accumulated Depreciation
-22.12
Land And Improvements
0.97
Buildings And Improvements
13.38
Machinery Furniture Equipment
13.57
Other Properties
11.42
Leases
10.46
Investments And Advances
404.30
Total Liabilities Net Minority Interest
2,147.12
Payables And Accrued Expenses
15.56
Payables
15.56
Accounts Payable
15.56
Current Debt And Capital Lease Obligation
5.00
Current Debt
5.00
Other Current Borrowings
5.00
Long Term Debt And Capital Lease Obligation
189.42
Long Term Debt
178.00
Long Term Capital Lease Obligation
11.42
Stockholders Equity
191.97
Common Stock Equity
191.97
Capital Stock
19.57
Common Stock
19.57
Preferred Stock
0.00
Share Issued
19.58
Ordinary Shares Number
19.58
Treasury Shares Number
0.00
Additional Paid In Capital
305.21
Retained Earnings
-88.55
Gains Losses Not Affecting Retained Earnings
-44.27
Other Equity Adjustments
-44.27
Total Equity Gross Minority Interest
191.97
Total Capitalization
369.97
Invested Capital
374.97
Total Debt
194.42
Net Debt
141.94
Capital Lease Obligations
11.42
Net Tangible Assets
191.97
Tangible Book Value
191.97
Available For Sale Securities
229.33
Cash Cash Equivalents And Federal Funds Sold
41.06
Held To Maturity Securities
174.97
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
42.80
+22.87%
34.84
+54.52%
22.55
-23.67%
29.54
Cash Flow From Continuing Operating Activities
42.80
+22.87%
34.84
+54.52%
22.55
-23.67%
29.54
Net Income From Continuing Operations
26.10
+5.78%
24.67
+49.13%
16.55
-17.85%
20.14
Depreciation Amortization Depletion
0.62
+5.45%
0.59
-0.51%
0.59
-14.24%
0.69
Depreciation And Amortization
0.62
+5.45%
0.59
-0.51%
0.59
-14.24%
0.69
Other Non Cash Items
-0.95
-0.74%
-0.94
+56.30%
-2.16
-103.58%
-1.06
Stock Based Compensation
3.00
+41.08%
2.13
+110.47%
1.01
+93.50%
0.52
Deferred Tax
6.76
-12.54%
7.72
+47.11%
5.25
-24.39%
6.95
Deferred Income Tax
6.76
-12.54%
7.72
+47.11%
5.25
-24.39%
6.95
Operating Gains Losses
6.53
+957.42%
-0.76
-171.93%
1.06
-35.41%
1.64
Gain Loss On Investment Securities
7.53
+53857.14%
-0.01
-100.75%
1.86
-26.49%
2.53
Gain Loss On Sale Of PPE
—
—
—
—
Change In Working Capital
-1.03
+45.13%
-1.87
-60.79%
-1.16
-51.43%
-0.77
Change In Receivables
-0.72
-178.60%
-0.26
+91.82%
-3.14
-100.00%
-1.57
Changes In Account Receivables
-0.72
-178.60%
-0.26
+91.82%
-3.14
-100.00%
-1.57
Change In Payables And Accrued Expense
5.62
+21.91%
4.61
+168.34%
1.72
-59.60%
4.25
Change In Payable
5.62
+21.91%
4.61
+168.34%
1.72
-59.60%
4.25
Change In Account Payable
5.62
+21.91%
4.61
+168.34%
1.72
-59.60%
4.25
Change In Other Current Assets
-5.93
+4.71%
-6.22
-2484.29%
0.26
+107.57%
-3.45
Investing Cash Flow
-245.41
-15.43%
-212.61
+22.12%
-273.00
-0.89%
-270.60
Cash Flow From Continuing Investing Activities
-245.41
-15.43%
-212.61
+22.12%
-273.00
-0.89%
-270.60
Net PPE Purchase And Sale
-0.30
+3.50%
-0.31
-92.64%
-0.16
+75.78%
-0.67
Purchase Of PPE
-0.30
+3.50%
-0.31
-92.64%
-0.16
+75.78%
-0.67
Sale Of PPE
—
—
—
—
Capital Expenditure
-0.30
+3.50%
-0.31
-92.64%
-0.16
+75.78%
-0.67
Net Investment Purchase And Sale
-23.05
-12.89%
-20.41
-248.49%
13.75
-69.97%
45.79
Purchase Of Investment
-139.84
-63.23%
-85.67
+32.63%
-127.17
-87.42%
-67.85
Sale Of Investment
116.80
+78.97%
65.26
-53.69%
140.91
+24.00%
113.64
Net Other Investing Changes
-3.94
-609.56%
0.77
+105.49%
-14.11
-1704.48%
-0.78
Financing Cash Flow
164.05
-23.25%
213.74
-9.95%
237.35
-4.68%
249.00
Cash Flow From Continuing Financing Activities
164.05
-23.25%
213.74
-9.95%
237.35
-4.68%
249.00
Net Issuance Payments Of Debt
34.55
+272.75%
-20.00
-114.60%
137.00
+1270.00%
10.00
Issuance Of Debt
376.05
+65.66%
227.00
-57.12%
529.35
+320.12%
126.00
Repayment Of Debt
-341.50
-38.26%
-247.00
+37.05%
-392.35
-238.23%
-116.00
Long Term Debt Issuance
376.05
+65.66%
227.00
-57.12%
529.35
+320.12%
126.00
Long Term Debt Payments
-341.50
-38.26%
-247.00
+37.05%
-392.35
-238.23%
-116.00
Net Long Term Debt Issuance
34.55
+272.75%
-20.00
-114.60%
137.00
+1270.00%
10.00
Net Common Stock Issuance
-33.75
-4225.92%
0.82
+110.90%
-7.51
-7460.78%
0.10
Common Stock Payments
-34.55
-6797.01%
-0.50
+93.39%
-7.58
0.00
Common Stock Dividend Paid
—
—
—
—
Cash Dividends Paid
-7.83
-98.76%
-3.94
0.00
—
Repurchase Of Capital Stock
-34.55
-6797.01%
-0.50
+93.39%
-7.58
0.00
Net Other Financing Charges
—
—
—
—
Changes In Cash
-38.56
-207.19%
35.97
+374.48%
-13.11
-265.06%
7.94
Beginning Cash Position
77.03
+87.61%
41.06
-24.20%
54.17
+17.18%
46.23
End Cash Position
38.48
-50.05%
77.03
+87.61%
41.06
-24.20%
54.17
Free Cash Flow
42.50
+23.11%
34.52
+54.24%
22.38
-22.45%
28.86
Interest Paid Supplemental Data
60.00
-0.90%
60.54
+46.57%
41.31
+465.37%
7.31
Amortization Of Securities
—
—
—
—
Common Stock Issuance
0.80
-39.04%
1.32
+1658.67%
0.07
-26.47%
0.10
Issuance Of Capital Stock
0.80
-39.04%
1.32
+1658.67%
0.07
-26.47%
0.10
Net Preferred Stock Issuance
—
—
—
—
Preferred Stock Dividend Paid
-7.83
-98.76%
-3.94
0.00
—
Preferred Stock Payments
—
—
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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