USCB Financial Holdings, Inc.
General ticker "USCB" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $356.5M (TTM average)
USCB Financial Holdings, Inc. follows the US Stock Market performance with the rate: 46.9%.
Estimated limits based on current volatility of 1.7%: low 21.98$, high 22.68$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-08-17, amount 0.12$ (Y2.11%)
- Total employees count: 205 (+3.0%) as of 2025
- Top business risk factors: Geographic concentration, Interest rate risk, Liquidity and credit risks, System failures and security breaches, Geopolitical risks
- Earnings for 6 months up through Q2 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: [15.93$, 20.94$]
- 2026-12-31 to 2027-12-31 estimated range: [15.74$, 21.03$]
Financial Metrics affecting the USCB estimates:
- Positive: with PPE of 11.3 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 39.28 > 18.77
- Positive: 6.77 < Operating cash flow per share per price, % of 12.57
- Negative: Shareholder equity ratio, % of 7.78 <= 18.97
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Industry earnings per price (median), % of 7.57 > 4.32
- Negative: Return on assets ratio (scaled to [-100,100]) of 0.93 <= 1.88
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 | $91.43MM |
| Operating Expenses | $44.17MM | $50.20MM | $55.51MM |
| 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.