Price
No data yet.
Social Signal Score
Analyst Ratings
3 analystsRevenue
$43.14M+309.88%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Luis de la Aguilera
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 205
- Beta
- 0.44
- Country
- US
- Piotroski score
- 7 / 9 (Strong)
- Altman Z-score
- 0.17
Financials
Revenue
$43.14M+309.9%Net Income
$9.08M+423.2%EBITDA
$12.71M+4014.6%Free Cash Flow
$24.21M+3881.6%EPS (diluted)
$0.49+416.9%Shares Outstanding (diluted)
18.51M+84.0%Operating Expenses
$9.91MCash & Debt
$118.15MReturn of Capital
$2.29MDividend per Share
$0.13Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $152.08M | $26.10M | $1.34 |
| 2024 | $143.97M | $24.67M | $1.25 |
| 2023 | $108.42M | $16.55M | $0.84 |
| 2022 | $76.17M | $20.14M | $1.01 |
| 2021 | $63.94M | $21.08M | $-6.72 |
| 2020 | $58.73M | $10.82M | $0.41 |
| 2019 | $44.75M | $10.39M | $1.03 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from USCB's reported EPS growth of 4.5% a year over 6 years.
- EPS in 5 years
- $1.80
- Implied price
- $25.13
- Return from $22.75
- 2.0% a year
To earn 15.0% a year on these assumptions you'd need to buy at $12.50 — -45.1% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 10 | 12 | 14 | 16 | 18 |
|---|---|---|---|---|---|
| -5.5% | -13.8% | -10.6% | -7.7% | -5.3% | -3.0% |
| -0.5% | -9.2% | -5.8% | -2.9% | -0.2% | 2.1% |
| 4.5% | -4.6% | -1.1% | 2.0% | 4.8% | 7.3% |
| 9.5% | -0.1% | 3.6% | 6.9% | 9.8% | 12.4% |
| 14.5% | 4.5% | 8.4% | 11.8% | 14.8% | 17.5% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
130+160.00%Social Signal Score
Mentions (4)
- Newszacks.com·5h ago·Negative
Compared to Estimates, USCB Financial (USCB) Q3 Earnings: A Look at Key Metrics Although the revenue and EPS for USCB Financial (USCB) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
View source ↗ - Newsglobenewswire.com·8h ago·Negative
USCB Financial Holdings, Inc. Reports Third Quarter 2026 Fully Diluted EPS of $0.51, ROAA of 1.27%, and ROAE of 16.03% MIAMI, Oct. 22, 2026 (GLOBE NEWSWIRE) -- USCB Financial Holdings, Inc. (the “Company”) (NASDAQ: USCB), the holding company for U.S. Century Bank (the “Bank”), reported net income of $9.5 million or $0.51 per fully diluted share for the three months ended September 30, 2026, compared with net income of $8.9 million or $0.45 per fully diluted share for the same period in 2025.
View source ↗ - Newsglobenewswire.com·3d ago·Negative
USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common Stock MIAMI, Oct. 19, 2026 (GLOBE NEWSWIRE) -- USCB Financial Holdings, Inc. (the “Company”) (NASDAQ: USCB), the holding company for U.S. Century Bank, announced today that its Board of Directors declared a regular quarterly cash dividend of $0.125 per share of Class A common stock, payable on December 4, 2026, to shareholders of record as of the close of business on November 16, 2026. Future dividend payments are subject t…
View source ↗ - Newsglobenewswire.com·16d ago·Neutral
USCB Financial Holdings, Inc. to Announce Third Quarter 2026 Results MIAMI, Oct. 06, 2026 (GLOBE NEWSWIRE) -- USCB FINANCIAL HOLDINGS, INC. (the “Company”) (NASDAQ: USCB) will report financial results for the quarter ended September 30, 2026, after the market closes on Thursday, October 22, 2026.
View source ↗
Earnings
Thu, Jan 28(in 3 months)
Consensus estimate $0.56 per share
Typical surprise +0.0% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Oct 22$0.51 vs $0.56miss
- Thu, Jul 23$0.49 vs $0.49beat
- Thu, Apr 23$0.47 vs $0.48miss
- Thu, Jan 22$0.44 vs $0.51miss
- Thu, Oct 23$0.45 vs $0.42beat
- Thu, Jul 24$0.40 vs $0.38beat
Estimates and results for USCB via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by USCB officers and directors.
- Bought
- —
- Sold
- $8.2m
0 trades
23 trades
- Collazo Andressold
- De La Aguilera Luissold
- De La Aguilera Luissold
- De La Aguilera Luissold
- De La Aguilera Luissold
- De La Aguilera Luissold
- De La Aguilera Luissold
- Abadin Ramonsold
77 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in USCB.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.