USCB Financial Holdings, Inc.
- Open
- 22.84
- Day high
- 23.27
- Day low
- 22.83
- Prev close
- 22.72
- Volume
- 28K
- Mkt cap
- $422M
- P/E (TTM)
- 14.9
- EPS (TTM)
- $1.55
- P/B
- 1.8
- P/S
- 2.9
- Yield
- 1.64%
- Per share
- $0.38
- ▼Insiders net selling -$19K over the last 3 months (0 open-market buys, 1 sale)
- 🏛Institutions reducing (13F)
USCB Financial Holdings, Inc. (USCB) is a Financial Services company listed on NASDAQ. The stock is up 35% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 1 sale (SEC Form 4).
USCB Financial Holdings, Inc. (USCB) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
USCB earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Jul 24, 2026 | $0.49 | $0.49 | +0.8% | $28M | +4.5% |
| Apr 24, 2026 | $0.48 | $0.47 | -2.1% | $26M | +0.9% |
| Mar 13, 2026 | — | $0.07 | — | $33M | — |
| Oct 23, 2025 | $0.42 | $0.45 | +6.4% | $25M | -3.0% |
| Jul 24, 2025 | $0.38 | $0.40 | +4.2% | $24M | -2.8% |
| Apr 24, 2025 | $0.38 | $0.38 | +0.3% | $23M | -0.2% |
| Mar 14, 2025 | — | $0.34 | — | $38M | — |
| Oct 31, 2024 | $0.31 | $0.35 | +14.0% | $22M | +4.4% |
| Jul 25, 2024 | $0.24 | $0.31 | +30.3% | $21M | +7.1% |
| Apr 25, 2024 | $0.21 | $0.23 | +9.0% | $18M | +1.8% |
| Mar 22, 2024 | — | $0.14 | — | $29M | — |
| Oct 26, 2023 | $0.20 | $0.19 | -5.5% | $16M | -4.7% |
USCB insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jul 9, 2026 | Garrido Sergio E.officer: SVP, Chief Credit Officer | Grant | 15,000 | — |
| Jun 8, 2026 | COLLAZO ANDRESofficer: EVP, Operations & IT | Sell | 1,000 | $19.00 |
| May 22, 2026 | DE LA AGUILERA LUISdirector, officer: President and CEO | Sell | 49,414 | $18.30 |
| May 22, 2026 | DE LA AGUILERA LUISdirector, officer: President and CEO | Option | 49,414 | $12.05 |
| May 21, 2026 | DE LA AGUILERA LUISdirector, officer: President and CEO | Sell | 36,826 | $18.15 |
| May 21, 2026 | DE LA AGUILERA LUISdirector, officer: President and CEO | Option | 4,931 | $12.05 |
| May 21, 2026 | DE LA AGUILERA LUISdirector, officer: President and CEO | Sell | 4,931 | $18.01 |
| May 21, 2026 | DE LA AGUILERA LUISdirector, officer: President and CEO | Option | 36,826 | $12.05 |
| May 19, 2026 | DE LA AGUILERA LUISdirector, officer: President and CEO | Option | 805 | $12.05 |
| May 19, 2026 | DE LA AGUILERA LUISdirector, officer: President and CEO | Sell | 805 | $18.05 |
| May 19, 2026 | DE LA AGUILERA LUISdirector, officer: President and CEO | Option | 2,485 | $12.05 |
| May 19, 2026 | DE LA AGUILERA LUISdirector, officer: President and CEO | Sell | 2,485 | $18.06 |
| May 15, 2026 | ABADIN RAMONdirector | Sell | 9,000 | $18.21 |
| May 15, 2026 | DE LA AGUILERA LUISdirector, officer: President and CEO | Sell | 19,947 | $18.06 |
| May 15, 2026 | DE LA AGUILERA LUISdirector, officer: President and CEO | Sell | 22,883 | $18.20 |
Source: USCB SEC Form 4 filings, latest Jul 9, 2026. For informational purposes only — not investment advice.
See the full USCB insider & 13F page →USCB Financial Holdings, Inc. company profile
Overview
USCB Financial Holdings, Inc. (NASDAQ:USCB) is a Miami-based bank holding company that operates through its subsidiary U.S. Century Bank. Founded in 2002, the company went public in July 2021 and has since focused on serving small-to-medium sized businesses primarily in the Florida market. The bank has grown significantly since its IPO, expanding its assets by 47% and diversifying its business lines beyond traditional commercial real estate lending into specialized banking verticals targeting specific professional and business segments.
Business
USCB Financial Holdings operates as a regional commercial bank through its subsidiary U.S. Century Bank, serving primarily small-to-medium sized businesses in Florida. The banking industry involves accepting deposits from customers and lending those funds to borrowers, earning profit from the difference between interest paid on deposits and interest earned on loans (called net interest margin). The company operates through several key business segments: 1. **Traditional Commercial Banking (Primary Revenue Driver)**: Provides standard banking services including checking accounts, savings accounts, money market accounts, time deposits, and certificates of deposit. The loan portfolio consists primarily of commercial real estate loans (58% of total loans, approximately $1.1 billion), which are loans secured by commercial properties like office buildings, retail centers, and industrial facilities. 2. **Specialized Banking Verticals (Growing Segment)**: The bank has developed targeted banking services for specific professional and business segments, including attorney client services (Jurisadvantage), medical professionals (MD Advantage), homeowner associations (HOA banking), yacht lending, and correspondent banking. These specialized verticals now represent over 30% of total deposits ($625+ million) and generate higher-margin, relationship-based business. 3. **Non-Real Estate Commercial Lending (27% of loan portfolio)**: Includes commercial and industrial loans, Small Business Administration (SBA) lending, and other business financing not secured by real estate. This segment has grown significantly from just 9% in 2020 to 29% currently, representing the bank's strategic diversification efforts. 4. **Treasury and Cash Management Services**: Provides business banking services including commercial payments, online banking, and treasury management solutions, generating fee-based income that complements interest income.
Revenue model
USCB Financial Holdings generates revenue through the traditional banking model of net interest income and fee-based services. The primary revenue source is the spread between interest earned on loans and interest paid on deposits. In 2024, the company achieved a net interest margin of 3.16%, meaning it earned 3.16% more on its loans than it paid on its deposits. The company's paying customers are primarily small-to-medium sized businesses in Florida, along with high-net-worth individuals through its private client services. Revenue streams include: 1. **Interest Income from Loans**: Generated from commercial real estate loans, commercial and industrial loans, SBA loans, and consumer loans. Loan yields have been increasing due to rising interest rates. 2. **Fee-Based Income**: Includes swap fees, treasury services, cash management fees, and other banking service charges. Non-interest income represented 14% of total income in recent quarters, up from 11.5% in prior periods. 3. **Deposit-Based Revenue**: While deposits are a cost center (the bank pays interest on most deposits), the specialized banking verticals generate relationship-based deposits that often come with additional fee income and lower funding costs. Several factors influence the company's profitability margins: **Margin-Enhancing Factors**: Florida's strong economic growth (projected 3% vs. national 1.4%) creates demand for loans and deposits. The bank's specialized verticals command higher margins and generate stickier, relationship-based deposits. Rising interest rates generally improve net interest margins as loan yields increase faster than deposit costs. **Margin-Pressuring Factors**: Intense competition in the Miami-Dade County banking market puts pressure on loan pricing. Rising deposit costs as customers seek higher yields can compress margins. Credit losses from loan defaults directly impact profitability. Regulatory compliance costs and the need to maintain adequate capital ratios also pressure margins.
Competitive moat
USCB Financial Holdings operates in a moderately competitive regional banking environment with limited but meaningful competitive advantages. The company's moat is primarily built around its specialized banking verticals and deep local market knowledge in Florida. The bank's strongest competitive advantage lies in its specialized banking verticals that target specific professional segments like attorneys, medical professionals, and homeowner associations. These verticals create switching costs and relationship stickiness that generic commercial banks cannot easily replicate. The expertise required to serve these specialized markets, combined with the regulatory compliance and operational infrastructure needed, creates barriers to entry for smaller competitors. **Geographic and Regulatory Moat**: The bank benefits from Florida's robust economic growth, population migration, and business-friendly environment. However, this advantage is shared with other Florida-based banks and can be accessed by larger national banks expanding into the market. **Relationship Banking Model**: USCB's focus on relationship-based banking creates some customer stickiness, but this is a common strategy among community banks and not unique. **Limitations and Competitive Threats**: The bank faces significant competitive pressure from larger regional and national banks with greater resources, technology capabilities, and geographic diversification. Fintech companies are increasingly targeting commercial banking services with digital-first approaches. The concentration in Florida creates geographic risk, and the heavy weighting toward commercial real estate lending (58% of loans) creates sector concentration risk. Overall, USCB's moat is narrow but defensible in its specialized verticals, though the company remains vulnerable to larger competitors and economic downturns that could impact Florida's economy or commercial real estate markets.
Risks & safety
USCB Financial Holdings presents a **moderate margin of safety** with solid fundamentals but some concentration risks: **Liquidity and Solvency**: - Cash and short-term investments: $77 million (3% of total assets) - Debt-to-equity ratio: 0.80 (reasonable for a bank) - Strong deposit growth providing funding stability - Positive free cash flow of $34 million in 2024 **Valuation Metrics**: - Price-to-earnings ratio: 12.7x (reasonable for regional bank) - Price-to-book ratio: 1.63x (slight premium to book value) - Return on equity: 11.5% (solid profitability) - Return on assets: 1.08% (healthy for regional bank) **Risk Considerations**: - High geographic concentration in Florida economy - Commercial real estate exposure (58% of loans) during potential downturn - Loan loss reserves at 1.22% appear adequate but untested in severe downturn - Relatively small size ($2.6B assets) limits diversification and economies of scale
Recent development
Over the past few years, USCB Financial Holdings has executed a clear strategic transformation focused on diversification and specialization. The most significant development has been the creation and expansion of specialized banking verticals targeting specific professional and business segments. **Key Strategic Initiatives**: 1. **Vertical Banking Expansion**: The bank has developed seven specialized non-commercial real estate business lines, including MD Advantage for medical professionals, Jurisadvantage for attorneys, HOA banking for homeowner associations, yacht lending, and correspondent banking. These verticals have grown from representing minimal deposits to over 30% of total deposits ($625+ million). 2. **Loan Portfolio Diversification**: The company has successfully reduced its commercial real estate concentration from over 90% to 58% of total loans, while growing non-CRE lending to 27% of the portfolio. This includes significant expansion in SBA lending, commercial and industrial loans, and specialized lending products. 3. **Deposit Strategy Pivot**: Management has shifted focus from purely growing deposits to attracting relationship-based, lower-cost deposits through specialized verticals. This strategy has improved funding stability and reduced reliance on rate-sensitive deposits. 4. **Capital Allocation Evolution**: The bank initiated its first cash dividend in 2024 and subsequently doubled it to $0.10 per share quarterly. The company also implemented a share repurchase program, signaling confidence in its capital position and commitment to returning value to shareholders. 5. **Technology and Operational Enhancements**: While not extensively detailed in earnings calls, the bank has invested in digital banking capabilities and cash management services to support its commercial client base and specialized verticals.
USCB company profile · for informational purposes only — not investment advice.
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