Loading stock data…
USCB
$18.35+0.11 (+0.60%)
Market ClosedLast close May 1
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 $18.35. The stock is currently 12% below its 52-week high of $20.79, remaining 1.5% above its 200-day moving average. Technical signals show oversold RSI of 22 and bearish MACD signal, explaining why USCB maintains its current momentum and trend strength. The Whystock Score of 80/100 reflects a high-conviction bullish alignment.
Ecosystem Influences
Oversold momentum (RSI 22) — potential for technical mean-reversion
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
Loading Financials...
Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$18.35
Potential Upside
40.4%
Whystock Fair Value$25.77
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.
Analyst Consensus5 analysts
Buy
Mean target$21.70+18.3%
Range$20.00 – $24.00
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).
$355.47M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
14.53
Beta
Defensive asset. Lower volatility than the S&P 500.
0.59
Div Yield
Strong income play. Yield provides a meaningful total return floor.
259.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
12.02%
Volume
Today's trading volume
102,137
Recent News
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.
USCB Financial Holdings, Inc. Q1 2026 Earnings Call Summary
Moby summary of USCB Financial Holdings, Inc.'s Q1 2026 earnings call
USCB Financial (USCB) Reports Q1 Earnings: What Key Metrics Have to Say
While the top- and bottom-line numbers for USCB Financial (USCB) give a sense of how the business performed in the quarter ended March 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
USCB Financial Holdings, Inc. (USCB) Q1 Earnings Miss Estimates
USCB Financial (USCB) delivered earnings and revenue surprises of -2.08% and +1.15%, respectively, for the quarter ended March 2026. Do the numbers hold clues to what lies ahead for the stock?