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USCB stock logo

USCB

USCB Financial Holdings, Inc.

$19.04
0.09
 (0.47%)
Exchange:  NASDAQ
Market Cap:  347.613M
Shares Outstanding:  18.914B
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Luis F. de la Aguilera
Full Time Employees:  199
Address: 
2301 NW 87th Avenue
Doral
FL
33172
US
Website:  https://www.uscentury.com
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.

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Revenue Segmentation

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EPS

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Earnings Call

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Earnings transcript

Read the complete earnings call transcript.

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Key takeaways

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2026/01/23 — 4 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue108,420143,973152,079
Gross Profit63,60479,51988,405
EBITDA22,38633,06436,372
Operating Income21,79632,47735,916
Net Income16,54524,67426,100

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets2,339,0932,581,2162,799,863
Total Liabilities2,147,1252,365,8282,587,470
Total Stockholders Equity191,968215,388212,393
Total Debt194,423171,45190,749
Cash and Cash Equivalents41,06277,03582,338

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Cash Flow Statement

Year202320242025
Operating Cash Flow22,54634,09042,805
Capital Expenditure-163-314-303
Free Cash Flow22,38333,77642,502
Net Income16,54524,67426,100
Net Change in Cash-13,10635,973-38,558

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Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)118,050.533Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)120,560.531Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)119,552.500Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)35,154.573Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)35,902.031Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)35,601.847Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)40,586.831Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)42,239.684Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)41,250Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)31,492.566Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)32,162.163Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)31,893.248Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)2.240Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)2.300Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)2.210Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)4Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
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143.973M  ?P/S
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Forward P/E Ratios

?

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Forward P/E 1YFull AccessFull AccessFull AccessFull Access
N/AFull AccessFull AccessFull AccessFull Access

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SWOT Analysis

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Intrinsic Value Calculator

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Calculate USCB Intrinsic Value

Common questions about USCB valuation

Is USCB (USCB) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for USCB (USCB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is USCB a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether USCB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is USCB’s P/E ratio?

You can see USCB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for USCB?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is USCB a good long-term investment?

Whether USCB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

USCB

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Relevant news

USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common Stock
USCB Financial Holdings, Inc. (USCB) Q4 2025 Earnings Call Transcript
Compared to Estimates, USCB Financial (USCB) Q4 Earnings: A Look at Key Metrics
USCB Financial Holdings, Inc. (USCB) Lags Q4 Earnings and Revenue Estimates
USCB Financial Holdings, Inc. Reports Fourth Quarter 2025 Fully Diluted EPS of $0.07; Operating Diluted EPS of $0.44, Primarily Excluding Portfolio Restructuring Previously Announced
USCB Financial Holdings, Inc. to Announce Fourth Quarter 2025 Results

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