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USCB Financial Holdings, Inc.

$23.16 +$4.96 (+27.25%)
NASDAQ · 11 Sep 2026 20:00 UTC
Previous Close
$22.99
Day Range
$23.05$23.2
Year Range
$16.36$23.89
Market Cap
422.99M
AVG Volume
63.19K
Trailing/Forward PE
15.09/9.93
PEG ratio
1.28
Dividend Yield
2.05%
Next Earnings Date
2026-10-22
Primary Exchange
NASDAQUS
Revenue (USD)
050M100M150M200M202020212022202320242025
USCB Revenue (USD) by year
PeriodRevenue (USD)
2025152.08M
2024143.97M
2023108.42M
202276.17M
202164.92M
202053.24M
Net Income (USD)
010M20M30M202020212022202320242025
USCB Net Income (USD) by year
PeriodNet Income (USD)
202526.1M
202424.67M
202316.55M
202220.14M
202121.08M
202010.82M
Operating Income (USD)
010M20M30M40M202020212022202320242025
USCB Operating Income (USD) by year
PeriodOperating Income (USD)
202535.92M
202432.48M
202321.8M
202227.09M
202127.68M
202015.01M
EBITDA (USD)
010M20M30M40M202020212022202320242025
USCB EBITDA (USD) by year
PeriodEBITDA (USD)
202536.53M
202433.06M
202322.39M
202227.77M
202128.71M
202012.38M
Cash Flows (USD)
020M40M60M202020212022202320242025
USCB Cash Flows (USD) by year
PeriodCash Flows (USD)
202542.5M
202434.26M
202322.38M
202228.86M
202121.42M
202012.76M
EPS (USD)
-6-4-202202020212022202320242025
USCB EPS (USD) by year
PeriodEPS (USD)
20251.3
20241.23
20230.83
20221
2021-4.38
20200.48
Expenses (USD)
010M20M30M40MSG&ACapex202020212022202320242025
USCB Expenses (USD) by year
PeriodExpenses (USD)
202539.68M
202429.11M
202324.59M
202223.18M
202124.32M
202017.45M
Cash & Debt (USD)
0100M200M300MCashLong Term DebtShort Term Debt202020212022202320242025
USCB Cash & Debt (USD) by year
PeriodCash & Debt (USD)
202582.34M
2024294.24M
2023270.39M
202254.17M
202146.23M
202047.73M
Debt ratios
-1.5-1-0.500.5202320242025
USCB Debt ratios by year
PeriodDebt ratios
20250.07
2024-1.1
2023-0.83
Margins
0%25%50%75%100%202020212022202320242025
USCB Margins by year
PeriodMargins
202558.13%
202455.23%
202358.66%
202286.96%
202193.74%
202085.43%
Return on Capital
0%5%10%15%202020212022202320242025
USCB Return on Capital by year
PeriodReturn on Capital
202512.29%
202411.46%
20238.62%
202211.04%
202110.34%
20206.33%
Shares Outstanding
010M20M30M202020212022202320242025
USCB Shares Outstanding by year
PeriodShares Outstanding
202518.12M
202419.8M
202319.5M
202219.93M
202118.91M
202020M
Dividends (USD)
00.10.20.30.4202420252026
USCB Dividends (USD) by year
PeriodDividends (USD)
20260.38
20250.4
20240.2
Employee Count
010020030020212022202320242025
USCB Employee Count by year
PeriodEmployee Count
2025205
2024199
2023196
2022191
2021187
Book Value Per Share (USD)
051015202020212022202320242025
USCB Book Value Per Share (USD) by year
PeriodBook Value Per Share (USD)
202511.72
202410.88
20239.84
20229.15
202110.78
20208.55
Total Assets (USD)
01B2B3B202020212022202320242025
USCB Total Assets (USD) by year
PeriodTotal Assets (USD)
20252.8B
20242.58B
20232.34B
20222.09B
20211.85B
20201.5B
PE Ratio
10152025med 12.6Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
USCB PE Ratio by year
PeriodPE Ratio
Sep 2614.79
Sep 2614.99
Aug 2614.32
Aug 2614.33
Aug 2614.35
Aug 2614.27
Jul 2614.49
Jul 2614.3
Jul 2613.51
Jul 2613.3
Jul 2613.49
Jun 2613.54
Jun 2612.63
Jun 2612.9
Jun 2612.4
May 2612.23
May 2612.28
May 2611.84
May 2612.42
May 2612.74
Apr 2613.27
Apr 2613.85
Apr 2613.66
Apr 2613.22
Mar 2612.74
Mar 2612.6
Mar 2612.59
Mar 2611.38
Feb 2611.68
Feb 2612.03
Feb 2612.18
Feb 2612.42
Jan 2611.63
Jan 2612.03
Jan 2612
Jan 2611.87
Jan 2611.23
Dec 2511.56
Dec 2511.82
Dec 2511.94
Dec 2511.24
Nov 2510.98
Nov 2511.17
Nov 2510.9
Nov 2511.01
Oct 2511.68
Oct 2511.7
Oct 2511.47
Oct 2511.12
Oct 2511.6
Sep 2511.84
Sep 2511.62
Sep 2511.74
Sep 2511.79
Aug 2511.76
Aug 2512.1
Aug 2511.37
Aug 2510.95
Aug 2511.68
Jul 2512.5
Jul 2512.48
Jul 2512.24
Jul 2512.28
Jun 2511.92
Jun 2511.53
Jun 2511.43
Jun 2511.95
May 2511.94
May 2512.03
May 2512.39
May 2512.23
May 2513.73
Apr 2512.98
Apr 2513.69
Apr 2513.45
Apr 2513.64
Mar 2514.97
Mar 2515.13
Mar 2514.64
Mar 2517.54
Feb 2518.65
Feb 2518.15
Feb 2517.89
Feb 2518.78
Jan 2518.17
Jan 2517.95
Jan 2517.43
Jan 2515.73
Jan 2517.04
Dec 2416.96
Dec 2416.38
Dec 2417.94
Dec 2418.95
Nov 2419.61
Nov 2419.66
Nov 2419.01
Nov 2422.16
Nov 2416.98
Oct 2416.7
Oct 2416.91
Free Cash Flow Yield
6%8%10%12%14%16%med 11.9%Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
USCB Free Cash Flow Yield by year
PeriodFree Cash Flow Yield
Sep 2611.55%
Sep 2611.4%
Aug 2611.93%
Aug 2611.92%
Aug 2611.91%
Aug 2611.98%
Jul 2610.64%
Jul 2610.79%
Jul 2611.42%
Jul 2611.6%
Jul 2611.43%
Jun 2611.39%
Jun 2612.21%
Jun 2611.96%
Jun 2612.45%
May 2612.61%
May 2612.56%
May 2613.03%
May 2612.43%
May 2612.78%
Apr 2612.27%
Apr 2611.76%
Apr 2611.92%
Apr 2612.32%
Mar 2612.78%
Mar 2612.92%
Mar 2612.93%
Mar 2613.74%
Feb 2613.39%
Feb 2613.01%
Feb 2612.84%
Feb 2612.59%
Jan 2613.45%
Jan 2613%
Jan 2613.04%
Jan 2613.18%
Jan 2613.93%
Dec 2513.54%
Dec 2513.24%
Dec 2513.1%
Dec 2513.91%
Nov 2514.25%
Nov 2514.01%
Nov 2514.35%
Nov 2514.2%
Oct 2511.73%
Oct 2511.71%
Oct 2511.94%
Oct 2512.31%
Oct 2511.81%
Sep 2511.57%
Sep 2511.78%
Sep 2511.66%
Sep 2511.61%
Aug 2511.64%
Aug 2511.31%
Aug 2512.04%
Aug 2512.5%
Aug 2512.62%
Jul 2511.78%
Jul 2511.8%
Jul 2512.04%
Jul 2512%
Jun 2512.36%
Jun 2512.78%
Jun 2512.89%
Jun 2512.33%
May 2512.34%
May 2512.25%
May 2511.89%
May 2512.05%
May 2510.11%
Apr 2510.7%
Apr 2510.14%
Apr 2510.32%
Apr 2510.18%
Mar 259.27%
Mar 259.18%
Mar 259.49%
Mar 258.72%
Feb 258.2%
Feb 258.43%
Feb 258.56%
Feb 258.15%
Jan 258.42%
Jan 258.52%
Jan 258.78%
Jan 259.73%
Jan 258.98%
Dec 249.02%
Dec 249.34%
Dec 248.53%
Dec 248.08%
Nov 247.8%
Nov 247.78%
Nov 248.05%
Nov 247.4%
Nov 249.66%
Oct 249.83%
Oct 249.7%
Price to Sales
22.252.52.7533.25med 2.36Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
USCB Price to Sales by year
PeriodPrice to Sales
Sep 262.95
Sep 262.99
Aug 262.85
Aug 262.86
Aug 262.86
Aug 262.84
Jul 262.87
Jul 262.83
Jul 262.67
Jul 262.63
Jul 262.67
Jun 262.68
Jun 262.5
Jun 262.55
Jun 262.45
May 262.42
May 262.43
May 262.34
May 262.45
May 262.19
Apr 262.28
Apr 262.38
Apr 262.34
Apr 262.27
Mar 262.19
Mar 262.16
Mar 262.16
Mar 262.3
Feb 262.36
Feb 262.43
Feb 262.46
Feb 262.51
Jan 262.35
Jan 262.43
Jan 262.43
Jan 262.4
Jan 262.27
Dec 252.34
Dec 252.39
Dec 252.42
Dec 252.27
Nov 252.22
Nov 252.26
Nov 252.21
Nov 252.23
Oct 252.28
Oct 252.28
Oct 252.24
Oct 252.17
Oct 252.26
Sep 252.31
Sep 252.27
Sep 252.29
Sep 252.3
Aug 252.29
Aug 252.36
Aug 252.22
Aug 252.14
Aug 252.18
Jul 252.34
Jul 252.33
Jul 252.29
Jul 252.29
Jun 252.23
Jun 252.15
Jun 252.14
Jun 252.23
May 252.23
May 252.25
May 252.32
May 252.29
May 252.35
Apr 252.22
Apr 252.35
Apr 252.3
Apr 252.34
Mar 252.57
Mar 252.59
Mar 252.51
Mar 252.65
Feb 252.82
Feb 252.74
Feb 252.71
Feb 252.84
Jan 252.75
Jan 252.72
Jan 252.64
Jan 252.38
Jan 252.58
Dec 242.56
Dec 242.48
Dec 242.71
Dec 242.87
Nov 242.97
Nov 242.97
Nov 242.87
Nov 243.03
Nov 242.32
Oct 242.28
Oct 242.31
EV/EBITDA
05101520med 6.45Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
USCB EV/EBITDA by year
PeriodEV/EBITDA
Sep 2615
Sep 2615.15
Aug 2614.66
Aug 2614.67
Aug 2614.69
Aug 2614.63
Jul 263.65
Jul 263.5
Jul 262.93
Jul 262.78
Jul 262.91
Jun 262.95
Jun 262.29
Jun 262.48
Jun 262.12
May 262
May 262.04
May 261.71
May 262.13
May 269.33
Apr 269.71
Apr 2610.12
Apr 269.99
Apr 269.67
Mar 269.33
Mar 269.23
Mar 269.23
Mar 260.85
Feb 261.07
Feb 261.32
Feb 261.44
Feb 261.62
Jan 261.03
Jan 261.33
Jan 261.3
Jan 261.2
Jan 260.73
Dec 250.97
Dec 251.17
Dec 251.26
Dec 250.74
Nov 250.54
Nov 250.68
Nov 250.49
Nov 250.57
Oct 2510.24
Oct 2510.25
Oct 2510.08
Oct 259.82
Oct 2510.18
Sep 2510.36
Sep 2510.2
Sep 2510.29
Sep 2510.32
Aug 2510.3
Aug 2510.56
Aug 2510.01
Aug 259.7
Aug 251.79
Jul 252.4
Jul 252.38
Jul 252.2
Jul 252.23
Jun 251.96
Jun 251.67
Jun 251.6
Jun 251.99
May 251.98
May 252.04
May 252.32
May 252.2
May 256.53
Apr 255.97
Apr 256.5
Apr 256.32
Apr 256.47
Mar 257.46
Mar 257.57
Mar 257.21
Mar 256.87
Feb 257.7
Feb 257.32
Feb 257.13
Feb 257.79
Jan 257.34
Jan 257.18
Jan 256.78
Jan 255.52
Jan 256.49
Dec 246.43
Dec 246
Dec 247.17
Dec 247.92
Nov 248.41
Nov 248.45
Nov 247.96
Nov 2410.4
Nov 246.55
Oct 246.34
Oct 246.5
Price/Operating Cashflow
68101214med 8.34Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
USCB Price/Operating Cashflow by year
PeriodPrice/Operating Cashflow
Sep 268.49
Sep 268.6
Aug 268.22
Aug 268.22
Aug 268.23
Aug 268.19
Jul 269.27
Jul 269.14
Jul 268.64
Jul 268.51
Jul 268.63
Jun 268.66
Jun 268.08
Jun 268.25
Jun 267.93
May 267.82
May 267.86
May 267.57
May 267.94
May 267.77
Apr 268.09
Apr 268.44
Apr 268.33
Apr 268.06
Mar 267.77
Mar 267.68
Mar 267.68
Mar 267.24
Feb 267.43
Feb 267.65
Feb 267.74
Feb 267.9
Jan 267.4
Jan 267.65
Jan 267.63
Jan 267.54
Jan 267.14
Dec 257.35
Dec 257.51
Dec 257.59
Dec 257.15
Nov 256.98
Nov 257.1
Nov 256.93
Nov 257
Oct 258.48
Oct 258.49
Oct 258.33
Oct 258.08
Oct 258.42
Sep 258.6
Sep 258.44
Sep 258.53
Sep 258.56
Aug 258.54
Aug 258.79
Aug 258.26
Aug 257.95
Aug 257.88
Jul 258.43
Jul 258.42
Jul 258.25
Jul 258.28
Jun 258.04
Jun 257.77
Jun 257.71
Jun 258.06
May 258.05
May 258.11
May 258.36
May 258.25
May 259.8
Apr 259.26
Apr 259.77
Apr 259.6
Apr 259.74
Mar 2510.69
Mar 2510.8
Mar 2510.45
Mar 2511.36
Feb 2512.08
Feb 2511.75
Feb 2511.58
Feb 2512.16
Jan 2511.77
Jan 2511.63
Jan 2511.28
Jan 2510.19
Jan 2511.03
Dec 2410.98
Dec 2410.61
Dec 2411.62
Dec 2412.27
Nov 2412.7
Nov 2412.73
Nov 2412.31
Nov 2413.38
Nov 2410.25
Oct 2410.08
Oct 2410.21
Price to Book
1.41.61.82med 1.63Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
USCB Price to Book by year
PeriodPrice to Book
Sep 261.82
Sep 261.85
Aug 261.76
Aug 261.77
Aug 261.77
Aug 261.76
Jul 261.8
Jul 261.78
Jul 261.68
Jul 261.66
Jul 261.68
Jun 261.69
Jun 261.57
Jun 261.61
Jun 261.54
May 261.52
May 261.53
May 261.47
May 261.55
May 261.57
Apr 261.63
Apr 261.7
Apr 261.68
Apr 261.62
Mar 261.57
Mar 261.55
Mar 261.55
Mar 261.72
Feb 261.77
Feb 261.82
Feb 261.84
Feb 261.88
Jan 261.76
Jan 261.82
Jan 261.82
Jan 261.8
Jan 261.7
Dec 251.75
Dec 251.79
Dec 251.81
Dec 251.7
Nov 251.66
Nov 251.69
Nov 251.65
Nov 251.67
Oct 251.5
Oct 251.5
Oct 251.47
Oct 251.42
Oct 251.48
Sep 251.52
Sep 251.49
Sep 251.5
Sep 251.51
Aug 251.51
Aug 251.55
Aug 251.46
Aug 251.4
Aug 251.44
Jul 251.54
Jul 251.54
Jul 251.51
Jul 251.51
Jun 251.47
Jun 251.42
Jun 251.41
Jun 251.47
May 251.47
May 251.48
May 251.53
May 251.51
May 251.57
Apr 251.49
Apr 251.57
Apr 251.54
Apr 251.56
Mar 251.72
Mar 251.73
Mar 251.68
Mar 251.68
Feb 251.79
Feb 251.74
Feb 251.71
Feb 251.8
Jan 251.74
Jan 251.72
Jan 251.67
Jan 251.51
Jan 251.63
Dec 241.62
Dec 241.57
Dec 241.72
Dec 241.82
Nov 241.88
Nov 241.88
Nov 241.82
Nov 241.91
Nov 241.47
Oct 241.44
Oct 241.46
USCB Financial Holdings, Inc.
USCB
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News: USCB

Dimensional Fund Advisors LP Has $3.69 Million Stock Holdings in USCB Financial Holdings, Inc. $USCB

defenseworld.net · 13 Aug 2026

Dimensional Fund Advisors LP Has $3.69 Million Stock Holdings in USCB Financial Holdings, Inc. $USCB

Dimensional Fund Advisors LP raised its holdings in USCB Financial Holdings, Inc. (NASDAQ: USCB) by 15.2% during the first quarter, according to its most recent disclosure with the Securities and Exchange Commission. The institutional investor owned 198,845 shares of the company's stock after buying an additional 26,267 shares during the period. Dimensional Fund

USCB Financial Holdings, Inc. (USCB) Q2 2026 Earnings Call Transcript

seekingalpha.com · 24 Jul 2026

USCB Financial Holdings, Inc. (USCB) Q2 2026 Earnings Call Transcript

USCB Financial Holdings, Inc. (USCB) Q2 2026 Earnings Call Transcript

USCB Financial Q2 Earnings Call Highlights

marketbeat.com · 24 Jul 2026

USCB Financial Q2 Earnings Call Highlights

USCB Financial NASDAQ: USCB reported second-quarter 2026 net income of $9.1 million, or $0.49 per diluted share, up from $0.40 per diluted share a year earlier. The company said the quarter was marked by record loan production, higher net interest margin, controlled expenses and continued low credit losses as total assets surpassed $3 billion.

USCB Financial (USCB) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

zacks.com · 23 Jul 2026

USCB Financial (USCB) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

Although the revenue and EPS for USCB Financial (USCB) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

USCB Financial Holdings, Inc. (USCB) Q2 Earnings Match Estimates

zacks.com · 23 Jul 2026

USCB Financial Holdings, Inc. (USCB) Q2 Earnings Match Estimates

USCB Financial Holdings, Inc. (USCB) came out with quarterly earnings of $0.49 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $0.4 per share a year ago.

USCB 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 1.26%, and ROAE of 15.90%

globenewswire.com · 23 Jul 2026

USCB 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 1.26%, and ROAE of 15.90%

MIAMI, July 23, 2026 (GLOBE NEWSWIRE) -- USCB Financial Holdings, Inc. (the “Company”) (NASDAQ: USCB), the holding company for U.S. Century Bank (the “Bank”), reported net income of $9.1 million or $0.49 per fully diluted share for the three months ended June 30, 2026, compared with net income of $8.1 million or $0.40 per fully diluted share for the same period in 2025.

USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common Stock

globenewswire.com · 20 Jul 2026

USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common Stock

MIAMI, July 20, 2026 (GLOBE NEWSWIRE) -- USCB Financial Holdings, Inc. (the "Company") (NASDAQ: USCB), the holding company for U. S. Century Bank, announced today that its Board of Directors declared a regular quarterly cash dividend of $0. 125 per share of Class A common stock, payable on September 4, 2026, to shareholders of record as of the close of business on August 17, 2026.

USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common Stock

globenewswire.com · 20 Jul 2026

USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common Stock

MIAMI, July 20, 2026 (GLOBE NEWSWIRE) -- USCB Financial Holdings, Inc. (the “Company”) (NASDAQ: USCB), the holding company for U.S. Century Bank, announced today that its Board of Directors declared a regular quarterly cash dividend of $0.125 per share of Class A common stock, payable on September 4, 2026, to shareholders of record as of the close of business on August 17, 2026. Future dividend payments are subject to quarterly review and approval by the Board of Directors.

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