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Company Analysis

USCB Financial Holdings, Inc. USCB

A comprehensive view of key metrics, scores, and financial health for USCB Financial Holdings, Inc.

Overview of USCB Financial Holdings, Inc.

USCB NGM
Financial Services Banks - Regional Small Cap
USCB Financial Holdings, Inc. (USCB), is a Small Cap company, in the Banks - Regional industry, last closed at $18.14, about 39.6% overvalued vs fair value, -0.3% 1Y return, ranked 446/1004 in sector.
$18.14
0.11%
As of March 13, 2026
Previous close • Vol 90d: 30.0%
52-Week Range
Market Cap
$334.64M
Enterprise Value
$343.05M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.uscentury.com
HQ Doral, FL
Employees 204
Fiscal year Dec 31

Next Events

Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$6
$11
$21
Current: $18.14 -40% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$131.2M
29.9%%
Interest Expense
$61.9M
Net Interest Income
$69.9M
19.4%%
Total Revenue
$152.1M
83.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.5%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$4.4M
18.0% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating USCB Financial Holdings, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
61
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
69
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing USCB's balance between Growth (37.5%), Profitability (29.2%), and Safety (33.4%). Growth 37% Safety 33% Profitability 29%

Click axes to expand details. Marker shows current allocation.

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Growth

77th percentile vs peers
77
Key Signals
Rev Growth YoY 84.0% 73p Revenue CAGR 3Y 30.3% 85p Asset Growth YoY 8.5% 73p
Strengths
  • Revenue Cagr 3Y in top 20% of peers (30.3%, 85th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

60th percentile vs peers
60
Key Signals
Strengths
Risks
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Safety

68th percentile vs peers
69
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for USCB Financial Holdings, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$10.96
- - -
-39.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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