USCB Financial Holdings, Inc.
General ticker "USCB" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $351.9M (TTM average)
USCB Financial Holdings, Inc. follows the US Stock Market performance with the rate: 48.2%.
Estimated limits based on current volatility of 1.1%: low 18.10$, high 18.52$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-05-15, amount 0.12$ (Y2.66%)
- Total employees count: 199 (+1.5%) as of 2024
- Top business risk factors: Geographic concentration, Interest rate risk, Liquidity and credit risks, System failures and security breaches, Geopolitical risks
- Price in estimated range
- Earnings for 3 months up through Q1 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [16.68$, 21.86$]
- 2026-12-31 to 2027-12-31 estimated range: [16.65$, 22.17$]
Financial Metrics affecting the USCB estimates:
- Positive: with PPE of 11.4 at the end of fiscal year the price was neutral
- Positive: 6.59 < Operating cash flow per share per price, % of 12.43
- Positive: Operating profit margin, % of 23.62 > 18.39
- Negative: Shareholder equity ratio, % of 7.78 <= 19.24
- Negative: Investing cash flow per share per price, % of -71.25 <= -14.17
- Positive: Industry earnings per price (median), % of 7.25 > 4.45
Short-term USCB quotes
Long-term USCB plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $65.97MM | $82.68MM | $152.08MM |
| Operating Expenses | $44.17MM | $50.20MM | $116.16MM |
| Operating Income | $21.80MM | $32.48MM | $35.92MM |
| Interest Expense | $42.45MM | $61.30MM | $60.65MM |
| Income(Loss) | $21.80MM | $32.48MM | $35.92MM |
| Taxes | $5.25MM | $7.80MM | $9.82MM |
| Net Income(Loss)* | $16.55MM | $24.67MM | $26.10MM |
| Stockholders Equity | $191.97MM | $215.39MM | $217.18MM |
| Assets | $2,339.09MM | $2,581.22MM | $2,791.54MM |
| Operating Cash Flow | $22.55MM | $34.84MM | $42.80MM |
| Capital expenditure | $0.16MM | $0.31MM | $0.30MM |
| Investing Cash Flow | $-273.00MM | $-212.61MM | $-245.41MM |
| Financing Cash Flow | $237.35MM | $213.74MM | $164.05MM |
| Earnings Per Share** | $0.84 | $1.25 | $1.44 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.