USCB Financial Holdings, Inc. (USCB) stock

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

$20.26+0.13 (+0.65%)

Close on Nov 13, 2026Market cap $374.29MP/E –Yield –

USCB Financial statistics

77 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.

Important dates

Next earnings: Jan 21, 2027 (estimated, during market hours)
Last ex-dividend date: Nov 16, 2026
Fundamentals through: Sep 30, 2026
Share price as of: Nov 13, 2026

Valuation ratiosIndustry

Market Cap: $374.29M; $893.83M
Enterprise Value: $281.57M; $598.22M
PS Ratio: 3.78; 3.66
PB Ratio: 1.63; 1.25
P/TBV Ratio: 1.63; 1.52
P/FCF Ratio: 8.71; 10.68
P/OCF Ratio: 8.52; 9.82

Enterprise valuationIndustry

EV / Sales: 2.84; 2.95
EV / FCF: 6.55; 8.49

Share statisticsIndustry

Shares Outstanding: 18M; 19M
Float: 13M; 17M
Shares Held by Insiders: 27.3%; 6.05%
Shares Held by Institutions: 67.5%; 61.3%

Short sellingIndustry

Short Interest: 221,828; –
Short Interest Change: -9.45%; -4.13%
Short % of Float: 1.65%; 3.58%
Short % of Shares Outstanding: 1.20%; 3.18%
Days to Cover: 2.13; 4.85

Stock price statisticsIndustry

52-Week High: $23.89; –
52-Week Low: $17.03; –
20-Day Moving Average: $20.43; –
50-Day Moving Average: $21.74; –
200-Day Moving Average: $20.30; –
Average True Range (14): $0.60; –
Price Change (1 Week): 3.00%; 0.69%
Price Change (1 Month): -9.27%; 3.79%
Price Change (3 Months): -9.96%; -2.72%
Price Change (6 Months): 12.9%; 12.2%
Price Change (YTD): 9.99%; 19.9%
Price Change (1 Year): 13.1%; 25.7%
Price Change (3 Years): 65.8%; 65.1%
Price Change (5 Years): 40.1%; 26.9%
Average Volume (10 Days): 93,880; –
Average Volume (20 Days): 104,518; –
Average Volume (90 Days): 73,951; –
Relative Volume: 0.84; 0.68
Relative Strength Index (14): 42.5; 53.1
Volatility (1 Year): 28.3%; 24.4%
Beta (5 Years): 0.53; 0.63

MarginsIndustry

Pretax Margin: 40.2%; 37.0%
Profit Margin: 29.6%; 29.6%
FCF Margin: 43.4%; 33.9%

Returns on capitalIndustry

Return on Equity (ROE): 13.4%; 10.7%
Return on Assets (ROA): 1.01%; 1.16%

GrowthIndustry

Revenue Growth (YoY): 4.17%; 11.7%
Net Income Growth (YoY): -7.34%; 22.6%
FCF Growth (YoY): -13.4%; 27.2%
Revenue Growth (3Y CAGR): 9.41%; 5.82%
Revenue Growth (5Y CAGR): 12.7%; 6.17%

EfficiencyIndustry

Asset Turnover: 0.03; 0.04
Revenue Per Employee: $483.64K; $358.92K
Profits Per Employee: $143.02K; $110.51K
Employee Count: 205; 492
WACC: 7.76%; 8.13%

Income statement (TTM)Industry

Revenue: $99.15M; $183.72M
Pretax Income: $39.86M; $74.07M
Net Income: $29.32M; $57.59M

Balance sheetIndustry

Cash & Short-Term Investments: $92.73M; $218.48M
Net Cash (Debt): $92.73M; $165.09M
Net Cash Per Share: $5.02; $8.07
Equity (Book Value): $229.36M; $570.13M
Book Value Per Share: $12.42; $28.12
Tangible Book Value: $229.36M; $478.27M

Cash flow (TTM)Industry

Operating Cash Flow: $43.92M; $66.48M
Capital Expenditures: -$926.00K; -$4.24M
Free Cash Flow: $42.99M; $59.01M
FCF Per Share: $2.33; $3.37

Dividends and yieldsIndustry

Earnings Yield: 7.83%; 8.29%
FCF Yield: 11.5%; 9.18%
Buyback Yield: -0.49%; 1.82%
Shareholder Yield: -0.49%; 3.26%
Payout Ratio: 29.7%; 28.5%
FCF Payout Ratio: 20.2%; 24.8%

Taxes and interestIndustry

Income Tax: $10.54M; $16.14M
Effective Tax Rate: 26.4%; 21.1%

Scores and fair valueIndustry

Altman Z-Score: 0.10; 0.22
Piotroski F-Score: 5; 6

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.

Period	USCB	S&P 500	Difference	USCB per year	S&P 500 per year
1 month	-8.5%	-3.0%	−5.5 pts
3 months	-10.0%	-2.8%	−7.2 pts
Year to date	+12.1%	+11.5%	+0.6 pts
1 year	+15.8%	+13.5%	+2.3 pts
3 years	+90.1%	+77.7%	+12.4 pts	+23.9%	+21.1%
5 years	+48.2%	+72.6%	−24.5 pts	+8.2%	+11.5%

Short interest

Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.

0M USCB shares were sold short on Oct 30, 2026, down 9.5% from the previous report, or 1.65% of the shares available to trade. At recent volumes it would take 2.1 days to buy them back. Over the last 20 sessions, 34.3% of the volume reported to FINRA was short selling.

Settlement date	Shares short	Change	Avg. daily volume	Days to cover
Oct 30, 2026	221,828	-9.5%	103,982	2.1
Oct 15, 2026	244,988	-10.0%	50,190	4.9
Sep 30, 2026	272,093	+7.3%	95,137	2.9
Sep 15, 2026	253,649	-8.1%	82,818	3.1
Aug 31, 2026	275,905	+1.1%	60,907	4.5
Aug 14, 2026	272,916	+19.8%	38,173	7.2
Jul 31, 2026	227,748	+1.6%	68,336	3.3
Jul 15, 2026	224,211	-4.4%	29,776	7.5
Jun 30, 2026	234,569	+45.1%	98,940	2.4
Jun 15, 2026	161,646	+15.2%	34,581	4.7
May 29, 2026	140,326	-0.1%	52,131	2.7
May 15, 2026	140,528	-2.5%	98,045	1.4

Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.

Where these numbers come from

Parsed from the XBRL in USCB Financial's annual and quarterly filings with the SEC
Fourth quarters derived from the annual report minus nine months
Every figure in the statements links to its source filing

Against peers

Trailing twelve months. Peers are matched on business description, industry and size. Ticks are peers, the dot is USCB.

Compare: USCB vs CBAN · USCB vs CCFN · USCB vs GBFH · USCB vs TYFG · USCB vs BRBS

Revenue growth4.2% · median 11.8%

Net margin29.6% · median 21.8%

Company	Revenue	Growth
CBAN	$161.48M	+28.1%
USCB	$99.15M	+4.2%
GBFH	$82.65M	+13.5%
BRBS	$78.37M	-15.6%
CCFN	$75.57M	+11.1%
TYFG	$72.13M	+11.8%

Company

Next earnings (est.): Jan 21, 2027, during market hours
Exchange: Nasdaq
Industry: State Commercial Banks
Fiscal year ends: December 31
Employees: 205
Held by institutions: 67.5%
Auditor: Crowe LLP
SEC CIK: 1901637

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