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USCB FINANCIAL HOLDINGS INC

USCBNASDAQ
🏆 #3087 by market capEarnings Jan 20US Equity
$19.89▼ $0.02 (−0.10%)
Latest quote
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24h▼ 0.1%
7d▼ 12.6%
14d▼ 10.9%
30d▼ 10.5%
ytd▲ 7.9%
1y▲ 12.7%
🏦Market Cap
$367M
Small Cap
📈Revenue Growth (YoY)
5.6%
Slowing
📊Gross Margin
66.6%
High
💵FCF Margin
33.7%
Strong
⚖️P/S Ratio
2.5x
Cheap
Otter Score
88
Excellent

Trading Snapshot

Day Range
$19.89 – $20.10
52-Week Range
$17.00 – $23.89
Volume (shares)
2,108
Avg Volume (shares)
—
Shares Outstanding
18.5M
Next Earnings
2027-01-20

Fundamentals Snapshot

Annual Revenue
$152M
Last Q Revenue
$43M
P/E Ratio
12.6
P/S Ratio
2.5x
EPS (TTM)
$1.59
Dividend Yield
2.37%
Dilution (1yr)
−9.1%
USCB logo

USCB FINANCIAL HOLDINGS INC

USCB
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$152M▲ +5.6% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
58.1%▲ +5.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$36M▲ +10.6% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$43M▲ +25.8% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
18.3M▼ −9.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
−$8M▲ +$86M YoY
StockOtter · stockotter.space

About USCB FINANCIAL HOLDINGS INC

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Excellent
88/100

Analyst Ratings

ⓘ
Consensus
Buy
11 analysts
Strong Buy3
Buy5
Hold3
Sell0
Strong Sell0
Ratings as of Oct 2026

Latest News & Updates

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