USCB FINANCIAL HOLDINGS INC

USCBNASDAQ

🏆 #2599 by market capEarnings Oct 22US Equity

$22.46▲ $0.38 (+1.67%)

Market closed · at close

1h—

24h▲ 1.7%

7d▲ 0.5%

14d▲ 1.7%

30d▲ 11.2%

1y▲ 29.6%

🏦Market Cap

$415M

Small Cap

📈Revenue Growth (YoY)

—

📊Gross Margin

—

💵FCF Margin

—

⚖️P/S Ratio

—

Otter Score

Weak

Trading Snapshot

Day Range: $22.35 – $22.70
52-Week Range: $16.14 – $23.74
Volume: $2.83B
Avg Volume: $3.59B
Shares Outstanding: 18.5M
Next Earnings: Sep 2, 2026

Fundamentals Snapshot

Annual Revenue: $152M
Last Q Revenue: $43M
P/E Ratio: 14.2
P/S Ratio: —
EPS (TTM): $1.52
Dividend Yield: 1.99%

Why Investors Own USCB

✓High-growth profile — revenue up +33.0% YoY with expanding US Equity exposure.
✓Healthy economics — 33% gross margin and 14% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$152M▲ +31.4% YoY

Gross Margin (TTM)

32.8%▲ +4.5% YoY

Operating Income (TTM)

$22M▲ +31.4% YoY

Free Cash Flow (TTM)

$22M▲ +31.4% YoY

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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