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USCB Financial Holdings, Inc. (USCB) stock analysis

USCBNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 8/30
$19.99+0.11 (+0.55%)

Close on Nov 11, 2026Market cap $369.31MP/E –Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value0Growth0Performance4Health1Dividend3

Weak8 of 30 checks passed

USCB Financial passes 8 of the 30 checks behind our score; 11 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
0/6
Past performance
4/6
Financial health
1/6
Dividend
3/6

What stands out

  • Earnings grew over 5 years

    Net income grew 19.3% a year on average over the last five fiscal years.

  • Covered by free cash flow

    Dividends take 20.2% of free cash flow.

  • Covered by earnings

    Dividends take 29.7% of net income.

  • Return on assets over 1%

    Return on assets was 1.0%; for a bank or insurer, 1% or more is considered good.

What to watch

  • Return on equity under 15%

    Return on equity was 13.4% over the last twelve months and averaged 10.9% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew 9.4% a year over the last three fiscal years, short of the 10% we look for.

  • Earnings growth not accelerating

    Net income grew -7.3% over the last twelve months, against a 5-year average of 19.3% a year.

  • Thin capital

    Equity is 7.6% of total assets; 8% or more is a comfortable cushion.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S above the industry

    USCB Financial's price-to-sales of 3.72 is above the Commercial Banks median of 3.60.

  • P/B above the industry

    USCB Financial's price-to-book of 1.61 is above the Commercial Banks median of 1.29.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth0/6

  • Revenue growing under 10% a year

    Revenue grew 9.4% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings growth not accelerating

    Net income grew -7.3% over the last twelve months, against a 5-year average of 19.3% a year.

  • Growing slower than the industry

    Revenue grew 4.2% over the last twelve months; the Commercial Banks median is 11.3%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance4/6

  • Return on equity under 15%

    Return on equity was 13.4% over the last twelve months and averaged 10.9% over five years; we look for 15% on both.

  • Return on assets over 1%

    Return on assets was 1.0%; for a bank or insurer, 1% or more is considered good.

  • Return on equity above the industry

    USCB Financial's return on equity of 13.4% is above the Commercial Banks median of 11.5%.

  • Earnings grew over 5 years

    Net income grew 19.3% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 29.6% over the last twelve months, against a 5-year average of 29.3%.

  • Net margin below the industry

    USCB Financial's net margin of 29.6% is below the Commercial Banks median of 30.3%.

Financial health1/6

  • Thin capital

    Equity is 7.6% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Needs loans and deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is not reported.

  • Efficient operations

    Non-interest expense takes 57.2% of revenue; under 60% is efficient for a bank.

  • Deposits shrinking

    Deposits fell 0.4% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend3/6

  • Pays a dividend

    USCB Financial paid dividends worth 2.4% of the share price over the last twelve months.

  • Yield below Treasuries

    The 2.4% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 3.8% or more; USCB Financial yields 2.4%.

  • Dividend stability

    Fewer than five years of dividend history.

  • Covered by earnings

    Dividends take 29.7% of net income.

  • Covered by free cash flow

    Dividends take 20.2% of free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for USCB Financial. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

High risk

Average value traded per day
$1.75M
Value traded per 1% price move
$1.55M

Downside

Low risk

Typical loss in a bad month
10.9%
Volatility (annualized)
28%
Sharpe ratio, 1 year
0.22
Beta to the S&P 500 (5Y)
0.53

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2019 to 2025

Net margin

28.9%+7.2 pts over 5 years

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