USCB Financial Holdings, Inc. (USCB) Stock

USCB Financial Holdings, Inc. (USCB) is a Financials stock trading at $22.37 (as of 2026-08-21), with a market capitalization of $408.56M and a trailing P/E of 14.2. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various banking products and services to small-to-medium sized businesses. The company accepts checking, savings, money market, and time deposit accounts; and certificates of deposit. Its loan products include residential real estate loans; commercial real estate loans; commercial and industrial loans; foreign banks loans; and secured and unsecured consumer loans comprising personal loans, overdrafts, and deposit account collateralized loans. The company also offers treasury, commercial payments, cash management, and online banking services. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida.

Understand USCB Financial Holdings, Inc.: how it makes money

USCB Financial Holdings operates as the bank holding company for U.S. Century Bank, offering deposit accounts and loan products to small-to-medium sized businesses, making money primarily through interest income from its lending and net interest income tied to funding costs and credit provisions.

For a bank like U.S. Century Bank, profit generation is structurally driven by net interest income, meaning the interest earned on its loan book and other earning assets, minus funding costs, and then adjusted for credit loss provisions tied to loan performance.

Business quality (Solid): The core operating story centers on net interest income and new lending activity, with credit quality and operating efficiency acting as key guardrails in the latest quarter.

Valuation: At 13× earnings, USCB trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Net interest income remains a central earnings engine: The company reports Net Interest Income of 0.02 USD_B for 2026-03-31.
  • Lending activity is contributing: New Loan Production is reported at 0.19 USD_B, indicating ongoing loan origination in the latest quarter.
  • Credit stress indicators look relatively contained in the reported metrics: Non-Performing Loans as a Percentage of Portfolio is 0.03 percent, and Loan Loss Reserve Coverage is 1.18 percent.

Bear case

  • Earnings can be sensitive to credit provisions: The profit model depends on net interest income, which is then affected by the provision for credit losses (the company reports Net Interest Income After Provision for Credit Losses at 0.02 USD_B).
  • Efficiency matters for sustaining returns: The Efficiency Ratio is 52.34 percent, so operating costs can pressure results if revenue growth or net interest income weakens.
  • Liquidity and funding balance risk: The Loan-to-Deposit Ratio is 87.3 percent, which can increase sensitivity if deposit growth or funding conditions change.
Valuation — source: SEC EDGAR (first-party)
Price$22.37
Market Cap$408.56M
P/E Ratio14.2
EV / EBITDA7.4
Price / Book1.75
Price / Sales2.69
FCF Yield18.9%
DCF Value (model)$27.58
DCF Upside vs Price23.3%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$145.49M
Net Margin17.9%
Revenue Growth (YoY)9.5%
EPS Growth (YoY)19.5%
FCF Growth (YoY)34.5%
Valuation vs Sector & Industry
Stock P/E14.2
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector-5.8%
vs Industry9.6%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderPatriot Financial Partners GP II, L.P. ($34.42M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOLuis F. de la Aguilera
Employees199
CountryUS
IPO Date2021-07-23

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USCB earnings history · USCB institutional & insider holders · USCB KPIs & operating metrics · USCB financials · USCB investor presentations & press releases · USCB SEC filings · USCB peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.