NASDAQ · Banks - Regional

USCB Financial Holdings, Inc. (USCB) Stock

$22.04 -0.41% NASDAQ: USCB Financial Services

Valuation

MetricValue
Price$22.04
Market Cap$402.54M
P/E Ratio14.69
P/B Ratio1.77
P/S Ratio2.86
EPS (TTM)$1.30
52-Week High$23.89
52-Week Low$16.36
Dividend Yield2.22%

Financials & Margins

MetricValue
ROE13.09%
ROA0.95%
ROCE1.36%
Gross Margin23.68%
Operating Margin23.68%
Net Margin19.92%
Debt/Equity0.41
Current Ratio0.03

Annual Financials (USD)

Metric20212022202320242025
Revenue$64.0M$76.0M$108.0M$144.0M$152.0M
Operating Profit$28.0M$27.0M$22.0M$32.0M$36.0M
Net Profit$21.0M$20.0M$17.0M$25.0M$26.0M
EPS$-6.72$1.00$0.84$1.24$1.30
Op Margin43.3%35.6%20.1%22.6%23.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.9B$2.1B$2.3B$2.6B$2.8B
Total Liabilities$1.6B$1.9B$2.1B$2.4B$2.6B
Cash$46.0M$54.0M$41.0M$77.0M$82.0M
Borrowings$50.0M$60.0M$194.0M$171.0M$91.0M

Latest News

USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common Stock GlobeNewswire · Jul 20, 2026 USCB Financial Holdings, Inc. to Announce Second Quarter 2026 Results GlobeNewswire · Jul 6, 2026 USCB Financial Holdings (USCB) Stock Draws Fresh Price Target Split After Analyst Revisions Simply Wall St. · Jun 18, 2026 USCB Financial Names Chief Credit Officer MT Newswires · Jun 1, 2026 USCB Financial Holdings, Inc. Names Sergio Garrido Chief Credit Officer; Announces Retirement of William “Bill” Turner GlobeNewswire · Jun 1, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$22.0M$30.0M$23.0M$34.0M$43.0M
Investing Cash Flow$-360.0M$-271.0M$-273.0M$-212.0M$-246.0M
Financing Cash Flow$317.0M$239.0M$100.0M$236.0M$137.0M
Net Cash Flow$-2.0M$8.0M$-13.0M$36.0M$-39.0M
Free Cash Flow$21.0M$29.0M$22.0M$34.0M$43.0M

Valuation & Return Ratios

MetricValue
PEG Ratio4.38
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y15.92%
Return 3Y83.07%
Return 5Y—

Ownership

Insiders Held32.96%
Institutions Held57.51%
Institutions Float Held85.79%
Institutional HolderSharesReport Date
Patriot Financial Partners Gp II, L.P.1,856,2862026-03-31
T. Rowe Price Investment Management, Inc.1,320,9452026-03-31
Endeavour Capital Advisors Inc1,024,7382026-03-31
Alliancebernstein L.P.937,3572026-03-31
Blackrock Inc.908,8372026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AAPLApple Inc. $336.64 -1.11% 38.93 $4.94T 0.32%
MSFTMicrosoft Corporation $535.07 +2.38% 28.68 $3.97T 0.76%
GOOGLAlphabet Inc. $351.66 +0.97% 16.94 $4.26T 0.26%
AMZNAmazon.com, Inc. $262.43 +3.29% 19.82 $2.82T 0.00%
METAMeta Platforms, Inc. $718.67 -0.31% 27.93 $1.83T 0.28%

About USCB Financial Holdings, Inc.

USCB Financial Holdings, Inc. is led by CEO Luis F. de la Aguilera, employs 199 people, headquartered in US, publicly traded since 2021.

USCB Financial Holdings, Inc. (USCB) stock trades at $22.04 with a market capitalization of $402.54M. The stock is valued at a price-to-earnings (P/E) ratio of 14.69, price-to-book of 1.77, price-to-sales of 2.86. Over the past 52 weeks the stock has ranged between $16.36 and $23.89, and currently trades 7.7% below its 52-week high. It pays a dividend yielding 2.22%.

On profitability, USCB Financial Holdings, Inc. generates a return on equity (ROE) of 13.09%, above the typical market average, return on capital employed of 1.36%, an operating margin of 23.68%, a net profit margin of 19.92%.

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