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USCB
$19.07+0.44 (+2.36%)
After Hours$19.07+0.00 (+0.00%)· Last close Jun 9
USCB Financial Holdings, Inc.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
USCB Financial Holdings, Inc. in the Financial Services sector is trading at $19.07. Wall Street consensus targets $21.70 (5 analysts), implying a +13.8% move over the next 12 months. The stock is currently 8% below its 52-week high of $20.79, remaining 4.9% above its 200-day moving average. On fundamentals, Piotroski 4/9 shows mixed financial quality. The Whystock Score of 90/100 reflects bullish alignment across trend, valuation and analyst targets.
Ecosystem Influences
Sell-side targets imply +13.8% upside over 12 months
Long-term trend bullish (price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Anchored to each ticker's own 5-year median trailing P/E, tilted by current ROE and growth. Fair P/E = own median P/E + (ROE × 10) + (max(revenue growth, earnings growth) × 15), capped at ±30% around the historical anchor. Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. Premium compounders like COST/MSFT are judged against their own multi-year norm rather than a sector median. Falls back to the sector-anchored formula (Tech ≈ 28, Comm Services ≈ 24, Utilities ≈ 18, Financials ≈ 14, etc.) for recent IPOs and tickers with insufficient history (< 24 monthly samples). Result is a normalised multiple gauge — not a price target.
Current Price$19.07
Potential Downside
0%
Whystock Fair Value$19.07
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Fundamentals
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 lendin...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
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P/E Ratio
Priced for growth. Investors expect sustained double-digit expansion.
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Beta
High-beta play. Expect amplified moves vs. the broad market.
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Div Yield
Low to zero yield. Return is entirely dependent on price appreciation.
1.73%
ROE
Average efficiency. Growth may require heavy reinvestment.
12.45%
Volume
Today's trading volume
58,049
Recent News
There's A Lot To Like About USCB Financial Holdings' (NASDAQ:USCB) Upcoming US$0.125 Dividend
It looks like USCB Financial Holdings, Inc. ( NASDAQ:USCB ) is about to go ex-dividend in the next three days...
Patriot Financial Partners Makes Major TowneBank Investment
This regional bank delivers retail and commercial financial services across Virginia and North Carolina, with a diversified business model.
How The Story Is Shifting For USCB Financial Holdings (USCB) After Mixed Analyst Targets
The latest analyst update puts the consensus price target for USCB Financial Holdings at US$21.70, compared with a prior fair value marker of US$20.65. That shift reflects a tug of war between more optimistic views, which see support for the higher target, and more cautious voices, which question how much upside remains at current assumptions. As you read on, you will see how to track these evolving opinions and what they might mean for your own research process. Analyst Price Targets don't...
USCB Financial Q1 Earnings Call Highlights
USCB Financial (NASDAQ:USCB) reported what management described as “another record quarter” for the first quarter of 2026, supported by loan and deposit growth, a stable net interest margin, and what executives said remained exceptionally strong credit quality. First-quarter earnings and profitabil
USCB (USCB) Q1 2026 Earnings Call Transcript
Lou De La Aguilera: Good morning, and thank you for joining us for the USCB Financial Holdings, Inc. first quarter 2026 earnings call. Rob will walk you through our financial results in detail, and William will review credit quality and portfolio trends.