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USCB
USCB Financial Holdings Inc
NASDAQ· Financial Services· Banks - Regional· CUSIP 90355N101
$22.42+0.58%Price as of Aug 29, 18:30 UTC · updated once a day, after the close
Key metrics
- Market cap
- $414.2M
- P/E
- 14.3x
- Forward P/E
- 9.6x
- P/B
- 1.8x
- Dividend yield
- 2.14%
- Payout
- 30.57%
- EPS
- $1.57
- ROE
- 12.36%
- Profit margin
- 30.41%
- Revenue growth
- +14.10%
- Beta
- 0.47
- 52-week high
- $23.89
- 52-week low
- $16.36
History
How the company evolved, year by year. Revenue and debt come from the annual reports — for most companies, the 10-K filings with the SEC since 2009; dividends from the payments themselves.
The bars are a balance on the closing date; the lines are what happened during the year. Revenue above equity is ordinary, not an anomaly — it means the company turns its capital over more than once a year.
Investors holding this
Major managers that reported this stock in their latest 13F.
Price over time
▲ +81.3% over 5Y.
today you would have $1,961.37▲ +96.1%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
Indicators, year by year
The last 5 closed years. Each multiple uses that year’s closing price and that year’s reported numbers — not today’s. The range is set by the annual reports on record.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Year-end price | $18.42 | $17.75 | $12.25 | $12.20 | $14.01 | |
| P/E | — | 13.8x | 14.3x | — | — | — |
| P/S | 3.7x | 3.7x | 4.3x | 3.6x | 3.5x | 4.4x |
| P/B | 1.4x | 1.5x | 1.7x | 1.3x | 1.3x | 1.4x |
Fair price, seven ways
Seven formulas applied to what the company reported. None of them predicts a price — each answers what the stock would be worth if its assumption held. The assumption is printed next to every number, because it is the assumption that produces the result.
Earnings
$20.78
Square root of 22.5 × earnings × book value — the two ceilings Graham proposed. Blind to intangibles, so it undervalues software and brands.
Earnings
$14.76
Earnings growing 7.3% a year plus a 2.1% dividend — Lynch adds the yield to the growth rate, so a payer is not priced like a company that returns nothing. Growth capped at 25%.
Earnings
$21.01
Median P/E of 13.4 among peers in the sector.
Earnings
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Cash flow
$38.47
Cash flow growing 7.3% a year for 10 years, discounted at 10%, then 2.5% forever.
Operating
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Others in the same sector
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| BCCQBleichroeder Acquisition Corp. III | $10.04 | — | — | — | — | $416.66M |
| ISTRInvestar Holding Corp | $30.29 | 12.5x | 1.1x | 1.58% | 9.94% | $417.31M |
| KFIIK&f Growth Acquisition Corp II | $10.64 | 40.9x | — | — | — | $417.68M |
| CLBRColombier Acquisition Corp. III |
About the company
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 lending services; homeowners association services, including deposit collection, lockbox services, payment services, and lending products; jurist advantage and private client group services; correspondent banking services for banks in certain Latin America and the Caribbean countries. It also provides deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, and certificates of deposit; treasury, commercial payment, and cash management services; insured cash sweep and certificate of deposit account registry services; and clients title insurance policies for real estate transactions. The company was founded in 2002 and is headquartered in Doral, Florida.
- 216
- Doral, United States
Company description provided by Yahoo Finance.