USCB

$18.15

Post-MarketAs of Mar 17, 8:00 PM UTC

USCB Financial Holdings, Inc.

Historical Price

Price (Line)
50-Day SMA
200-Day SMA
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Peer Comparison

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Whystock Valuation Model

Calculated using a trailing P/E relative model adjusted by sector ROE and historical growth.
Current Price$18.15
Potential Upside
76.6%
Whystock Fair Value$32.05
Price
UndervaluedFair ValueOvervalued

Fundamentals

SectorFinancial Services
IndustryBanks - Regional

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).
$329.20M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
11.56
Beta
Defensive asset. Lower volatility than the S&P 500.
0.59
Div Yield
Strong income play. Yield provides a meaningful total return floor.
272.00%
ROIC
Average efficiency. Growth may require heavy reinvestment.
12.07%
Quick Ratio
Tight liquidity. Monitor cash flow carefully against debt.
-

Recent News

Simply Wall St.
Jan 24, 2026

USCB Financial Holdings' (NASDAQ:USCB) Upcoming Dividend Will Be Larger Than Last Year's

USCB Financial Holdings, Inc. ( NASDAQ:USCB ) will increase its dividend from last year's comparable payment on the 5th...

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
GuruFocus.com
Jan 23, 2026

USCB Financial Holdings Inc (USCB) Q4 2025 Earnings Call Highlights: Strong Asset Growth and ...

USCB Financial Holdings Inc (USCB) reports robust loan and deposit growth, while outlining strategic priorities for 2026.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Investor's Business Daily
Jan 23, 2026

Live Oak Bancshares Stock Sees RS Rating Jump To 85

Live Oak Bancshares shows improving price performance, earning an upgrade to its IBD Relative Strength Rating from 79 to 85.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
MarketBeat
Jan 23, 2026

USCB Financial Q4 Earnings Call Highlights

USCB Financial (NASDAQ:USCB) management used its fourth-quarter 2025 earnings call to highlight a year of balance sheet growth and solid credit performance, while also explaining two notable non-operating items that weighed on reported quarterly results. Executives said actions taken late in the yea

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Zacks
Jan 22, 2026

Compared to Estimates, USCB Financial (USCB) Q4 Earnings: A Look at Key Metrics

Although the revenue and EPS for USCB Financial (USCB) give a sense of how its business performed in the quarter ended December 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.