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USCB

USCB Financial Holdings Inc

Apr 27 • 04:00PM ET

18.99

-0.13 -0.68 %

Financial • Banks - Regional • USA • Small • NASD

Apr 26, 4:02 AMUSCB posts record Q1 earnings with strong deposit growth and stable margin

Peers: BOH WBS COLB HOMB PB FULT EFSC TRMK SYBT FUNC

| Held by: VTI IWM VXF AVUV IWN VTWO DFAS IWO IWC DFMC

Scroll to Statements

Index	RUT	P/E	13.21	EPS (ttm)	1.44	Insider Own	36.19%	Shs Outstand	18.26M	Perf Week	-3.75%
Market Cap	346.70M	Forward P/E	8.64	EPS next Y	2.20	Insider Trans	-2.90%	Shs Float	11.65M	Perf Month	3.66%
Enterprise Value	-	PEG	-	EPS next Q	0.49	Inst Own	51.98%	Short Float	1.13%	Perf Quarter	-1.86%
Income	27.79M	P/S	2.23	EPS this Y	19.95%	Inst Trans	2.43%	Short Ratio	2.71	Perf Half Y	11.90%
Sales	155.57M	P/B	1.59	EPS next Y	9.76%	ROA	1.01%	Short Interest	0.13M	Perf YTD	3.09%
Book/sh	11.97	P/C	-	EPS next 5Y	-	ROE	12.40%	52W High	20.78 -8.64%	Perf Year	17.44%
Cash/sh	-	P/FCF	8.16	EPS past 3/5Y	9.99% 11.61%	ROIC	8.81%	52W Low	15.56 22.00%	Perf 3Y	97.61%
Dividend Est.	0.48 (2.53%)	EV/EBITDA	-	Sales past 3/5Y	25.83% 20.96%	Gross Margin	-	Volatility	2.33% 2.27%	Perf 5Y	-
Dividend TTM	0.43 (2.24%)	EV/Sales	-	EPS Y/Y TTM	3.63%	Oper. Margin	24.11%	ATR (14)	0.48	Perf 10Y	-
Dividend Ex-Date	May 15, 2026	Quick Ratio	-	Sales Y/Y TTM	4.89%	Profit Margin	17.87%	RSI (14)	45.08	Recom	1.80
Dividend Gr. 3/5Y	- -	Current Ratio	0.13	EPS Q/Q	35.31%	SMA20	-2.16%	Beta	0.56	Target Price	21.70
Payout	30.12%	Debt/Eq	0.41	Sales Q/Q	9.25%	SMA50	-0.24%	Rel Volume	0.34	Prev Close	19.12
Employees	205	LT Debt/Eq	0.41	Earnings	Apr 23 AMC	SMA200	4.44%	Avg Volume	48.70K	Price	18.99
IPO	Jul 23, 2021	Option/Short	No / Yes	EPS/Sales Surpr.	-0.84% 0.89%	Trades		Volume	17,106	Change	-0.68%

Date	Action	Analyst	Rating Change	Price Target Change
Apr-27-26	Reiterated	Hovde Group	Market Perform	$19.50 → $20
Sep-08-25	Upgrade	Raymond James	Outperform → Strong Buy	$22
Jul-28-25	Upgrade	Raymond James	Mkt Perform → Outperform	$20
Apr-02-25	Downgrade	Raymond James	Outperform → Mkt Perform
Nov-04-24	Upgrade	Piper Sandler	Neutral → Overweight	$17 → $20
Aug-12-24	Initiated	Hovde Group	Market Perform	$16

Apr-24-26 08:30AM	USCB Financial Holdings, Inc. Q1 2026 Earnings Call Summary (Moby)
Apr-23-26 04:30PM	USCB Financial Holdings, Inc. Delivers Record Quarter: $0.51 diluted EPS, up 33% over prior year; ROAA 1.34%, ROAE 17.07%, and 22% Year-Over-Year Net Income Growth (GlobeNewswire)
09:19AM	USCB Financial Holdings Inc (USCB) Q1 2026: Everything You Need To Know Ahead Of Earnings (GuruFocus.com)
Apr-22-26 09:42AM	USCB Financial Holdings Inc (USCB) Q1 2026: Everything You Need To Know Ahead Of Earnings (GuruFocus.com)
Apr-20-26 04:30PM	USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common Stock (GlobeNewswire)
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Apr-06-26 04:30PM	USCB Financial Holdings, Inc. to Announce First Quarter 2026 Results (GlobeNewswire)
Jan-23-26 06:00PM	USCB Financial Holdings Inc (USCB) Q4 2025 Earnings Call Highlights: Strong Asset Growth and ... (GuruFocus.com) -5.80%
01:13PM	Live Oak Bancshares Stock Sees RS Rating Jump To 85 (Investor's Business Daily)
12:48PM	USCB Financial Q4 Earnings Call Highlights (MarketBeat)
08:28AM	5 Stocks Worth Watching on Their Fresh Dividend Hikes (Zacks)
Jan-22-26 06:30PM	Compared to Estimates, USCB Financial (USCB) Q4 Earnings: A Look at Key Metrics (Zacks)
06:20PM	USCB Financial Holdings, Inc. (USCB) Lags Q4 Earnings and Revenue Estimates (Zacks)
04:33PM	USCB Financial Holdings, Inc. Reports Fourth Quarter 2025 Fully Diluted EPS of $0.07; Operating Diluted EPS of $0.44, Primarily Excluding Portfolio Restructuring Previously Announced (GlobeNewswire)
07:16AM	What To Expect From USCB Financial Holdings Inc (USCB) Q4 2025 Earnings (GuruFocus.com)
Jan-20-26 04:30PM	USCB Financial Holdings, Inc. Increases Common Stock Dividend 25% to $0.125 per Share Based on Strong Operating Earnings (GlobeNewswire) +5.65%
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Jan-06-26 04:30PM	USCB Financial Holdings, Inc. to Announce Fourth Quarter 2025 Results (GlobeNewswire)
09:15AM	Regions Financial Corporation (RF) Hit a 52 Week High, Can the Run Continue? (Zacks)
Jan-02-26 10:00AM	Best Momentum Stock to Buy for January 2nd (Zacks)
Dec-31-25 12:00PM	USCB Financial (USCB) Upgraded to Strong Buy: Here's What You Should Know (Zacks)
Dec-18-25 09:15AM	Third Coast Bancshares, Inc. (TCBX) Hit a 52 Week High, Can the Run Continue? (Zacks)
Dec-05-25 04:30PM	USCB Financial Holdings, Inc. Portfolio Loss Restructuring (GlobeNewswire)
Oct-24-25 05:03PM	USCB Financial Holdings Inc (USCB) Q3 2025 Earnings Call Highlights: Record Net Income and ... (GuruFocus.com)
Oct-23-25 06:30PM	Compared to Estimates, USCB Financial (USCB) Q3 Earnings: A Look at Key Metrics (Zacks)
05:45PM	USCB Financial Holdings, Inc. (USCB) Q3 Earnings Top Estimates (Zacks)
04:30PM	USCB Financial Holdings, Inc. Reports Record Fully Diluted EPS of $0.45 for Q3 2025; ROAA of 1.27% and ROAE of 15.74% (GlobeNewswire)
09:27AM	What To Expect From USCB Financial Holdings Inc (USCB) Q3 2025 Earnings (GuruFocus.com)
Oct-22-25 09:46AM	Earnings To Watch: USCB Financial Holdings Inc (USCB) Reports Q3 2025 Result (GuruFocus.com)
08:40AM	United Community Banks (UCB) Surpasses Q3 Earnings and Revenue Estimates (Zacks)
Oct-20-25 04:30PM	USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend On Common Stock (GlobeNewswire)
07:25AM	Investar (ISTR) Tops Q3 Earnings and Revenue Estimates (Zacks)
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Oct-16-25 10:00AM	USCB Financial Holdings, Inc. (USCB) Earnings Expected to Grow: What to Know Ahead of Next Week's Release (Zacks)
Oct-06-25 04:30PM	USCB Financial Holdings, Inc. to Announce Third Quarter 2025 Results (GlobeNewswire)
Aug-27-25 12:00PM	All You Need to Know About USCB Financial (USCB) Rating Upgrade to Strong Buy (Zacks)
Aug-07-25 08:47AM	Best Income Stocks to Buy for August 7th (Zacks)
Jul-26-25 03:10AM	USCB Financial Holdings Inc (USCB) Q2 2025 Earnings Call Highlights: Record EPS Growth and ... (GuruFocus.com)
Jul-24-25 05:45PM	USCB Financial Holdings, Inc. (USCB) Beats Q2 Earnings and Revenue Estimates (Zacks)
04:30PM	USCB Financial Holdings, Inc. Reports Record Fully Diluted EPS of $0.40 for Q2 2025; ROAA of 1.22% and ROAE of 14.29% (GlobeNewswire)
09:31AM	What To Expect From USCB Financial Holdings Inc (USCB) Q2 2025 Earnings (GuruFocus.com)
Jul-23-25 05:45PM	Origin Bancorp (OBK) Q2 Earnings and Revenues Miss Estimates (Zacks)
10:09AM	USCB Financial Holdings Inc (USCB) Q2 2025 Earnings Report Preview: What To Look For (GuruFocus.com)
Jul-21-25 04:30PM	USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common Stock (GlobeNewswire)
Jul-07-25 03:05PM	KBRA Assigns Ratings to USCB Financial Holdings, Inc. (Business Wire)
Jul-03-25 04:30PM	USCB Financial Holdings, Inc. To Announce Second Quarter 2025 Results (GlobeNewswire)
Apr-26-25 03:06AM	USCB Financial Holdings Inc (USCB) Q1 2025 Earnings Call Highlights: Record EPS Growth and ... (GuruFocus.com)
Apr-25-25 12:52PM	USCB Financial Holdings, Inc. (USCB) Q1 2025 Earnings Call Transcript (Seeking Alpha) -9.51%
Apr-24-25 05:50PM	USCB Financial Holdings, Inc. (USCB) Matches Q1 Earnings Estimates (Zacks)
04:30PM	USCB Financial Holdings, Inc. Reports Record Fully Diluted EPS of $0.38 for Q1 2025, a 65% increase over same period last year; ROAA of 1.19% and ROAE of 14.15% (GlobeNewswire)
Apr-23-25 08:40AM	City Holding (CHCO) Tops Q1 Earnings and Revenue Estimates (Zacks)
Apr-21-25 04:30PM	USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common Stock (GlobeNewswire)
Apr-04-25 04:30PM	USCB Financial Holdings, Inc. to Announce First Quarter 2025 Results (GlobeNewswire)
Mar-20-25 08:52AM	USCB Financial (USCB) Soars 5.5%: Is Further Upside Left in the Stock? (Zacks)
Jan-25-25 02:03AM	USCB Financial Holdings Inc (USCB) Q4 2024 Earnings Call Highlights: Record Net Income and ... (GuruFocus.com)
Jan-23-25 04:30PM	USCB Financial Holdings, Inc. Reports Fully Diluted EPS of $0.34 for Q4 2024 and doubles the quarterly dividend to $0.10 per share; ROAA of 1.08% and ROAE of 12.73% (GlobeNewswire)
07:05AM	USCB Financial Holdings Inc (USCB) Q4 2024: Everything You Need To Know Ahead Of Earnings (GuruFocus.com)
Jan-22-25 07:09AM	USCB Financial Holdings Inc (USCB) Q4 2024 Earnings Report Preview: What To Look For (GuruFocus.com)
Jan-21-25 04:30PM	USCB Financial Holdings, Inc. Increases Common Stock Dividend 100% to $0.10 Per Share (GlobeNewswire)
Jan-03-25 04:30PM	USCB Financial Holdings, Inc. to Announce Fourth Quarter 2024 Results (GlobeNewswire)
Nov-02-24 03:05AM	USCB Financial Holdings Inc (USCB) Q3 2024 Earnings Call Highlights: Record Earnings and Robust ... (GuruFocus.com)
Oct-31-24 04:30PM	USCB Financial Holdings, Inc. Reports Record Fully Diluted EPS of $0.35 for Q3 2024; ROAA of 1.11% and ROAE of 13.38% (GlobeNewswire)
09:06AM	USCB Financial Holdings Inc (USCB) Q3 2024: Everything You Need To Know Ahead Of Earnings (GuruFocus.com)
Oct-30-24 09:20AM	USCB Financial Holdings Inc (USCB) Q3 2024: Everything You Need to Know Ahead of Earnings (GuruFocus.com)
Oct-28-24 04:30PM	USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common Stock (GlobeNewswire)
Oct-09-24 03:22PM	USCB Financial Holdings Inc (USCB) Q2 2024 Earnings Call Highlights: Record Net Income and ... (GuruFocus.com)
Oct-07-24 04:30PM	USCB Financial Holdings, Inc. To Announce Third Quarter 2024 Results (GlobeNewswire)
Jul-25-24 04:30PM	USCB Financial Holdings, Inc. Reports Record Fully Diluted EPS Since Going Public of $0.31 for Q2 2024 (GlobeNewswire)
Jul-22-24 04:30PM	USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common Stock (GlobeNewswire) +5.65%
Jul-08-24 04:30PM	USCB Financial Holdings, Inc. to Announce Second Quarter 2024 Results (GlobeNewswire)
Jun-03-24 10:08AM	Axxes Capital Appoints Maria C. Alonso to Board of Directors (GlobeNewswire)
May-02-24 12:20PM	Why USCB Financial (USCB) Might be Well Poised for a Surge (Zacks)
Apr-30-24 11:18AM	USCB Financial Holdings, Inc. (NASDAQ:USCB) Q1 2024 Earnings Call Transcript (Insider Monkey)
Apr-25-24 09:54PM	USCB Stock Earnings: USCB Financial Holdings Beats EPS, Beats Revenue for Q1 2024 (InvestorPlace)
05:49PM	USCB Financial Holdings Inc (USCB) Q1 Earnings: Slight Dip in Profitability Amid Strong Deposit ... (GuruFocus.com)
05:40PM	USCB Financial Holdings, Inc. (USCB) Q1 Earnings and Revenues Top Estimates (Zacks)
04:30PM	USCB Financial Holdings, Inc. Reports Diluted EPS of $0.23 for Q1 2024 and Announces Adoption of New 500,000 Share Repurchase Program (GlobeNewswire)
Apr-23-24 04:30PM	USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common Stock (GlobeNewswire)
Apr-05-24 03:00PM	USCB Financial Holdings, Inc. to Announce First Quarter 2024 Results (GlobeNewswire)
Jan-29-24 04:30PM	USCB Financial Holdings, Inc. Initiates Quarterly Cash Dividend Program and Announces Declaration of First Cash Dividend (GlobeNewswire)
Jan-25-24 04:50PM	USCB Financial Holdings Inc Reports Mixed Results Amid Economic Headwinds (GuruFocus.com)
04:45PM	USCB Financial Holdings, Inc. Reports Diluted EPS of $0.14 for Q4 2023 (GlobeNewswire)
Jan-05-24 04:30PM	USCB Financial Holdings, Inc. To Announce Fourth Quarter 2023 Results (GlobeNewswire)
Dec-16-23 03:02AM	Executive VP and CFO Robert Anderson Buys 8,750 Shares of USCB Financial Holdings Inc (GuruFocus.com)
Dec-07-23 04:30PM	U.S. Century Bank Names William Turner New Executive Vice President and Chief Credit Officer (GlobeNewswire)
Nov-02-23 04:30PM	USCB Financial Holdings, Inc. Announces Retirement of Chief Credit Officer, Benigno Pazos; Announces the Departure of Jay Shehadeh, General Counsel; Promotes Maricarmen Logro o to Chief Risk Officer (GlobeNewswire)
Oct-26-23 04:45PM	USCB Financial Holdings, Inc. Reports Diluted EPS of $0.19 for Q3 2023 (GlobeNewswire)
Oct-17-23 10:07AM	Abrams Capital 13F: 10 Best Value Stocks To Buy (Insider Monkey)
Oct-06-23 04:30PM	USCB Financial Holdings, Inc. to Announce Third Quarter 2023 Results (GlobeNewswire)
Jul-29-23 09:07AM	USCB Financial Holdings (NASDAQ:USCB) shareholders have endured a 10% loss from investing in the stock a year ago (Simply Wall St.)
Jul-27-23 05:00PM	USCB Financial Holdings, Inc. Reports EPS of $0.21 for Q2 2023 (GlobeNewswire) -9.68%
Jul-06-23 04:45PM	USCB Financial Holdings, Inc. to Announce Second Quarter 2023 Results (GlobeNewswire) +5.43%
Jun-28-23 04:29PM	USCB Financial Holdings, Inc. President and Chief Executive Officer Appointed as Chairman of the Board, Strengthening Growth and Innovation (GlobeNewswire)
May-07-23 08:34AM	With 65% ownership of the shares, USCB Financial Holdings, Inc. (NASDAQ:USCB) is heavily dominated by institutional owners (Simply Wall St.)
Apr-27-23 04:45PM	USCB Financial Holdings, Inc. Reports EPS of $0.29 and ROAA of 1.11% for Q1 2023 (GlobeNewswire)
Apr-05-23 05:00PM	USCB Financial Holdings, Inc. To Announce First Quarter 2023 Results (GlobeNewswire)
Mar-27-23 06:21AM	USCB Financial Holdings Full Year 2022 Earnings: Misses Expectations (Simply Wall St.)

USCB Financial Holdings, Inc. engages in banking activities. It offers lending services, credit practices, deposit products, title services, and other banking related services. The company was founded on December 17, 2021 and is headquartered in Doral, FL.

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
COLLAZO ANDRES	EVP, Operations & IT	Mar 07 '26	Option Exercise	7.50	8,000	60,000	40,950	Mar 10 04:03 PM
COLLAZO ANDRES	EVP, Operations & IT	Mar 07 '26	Sale	18.27	8,000	146,160	32,950	Mar 10 04:03 PM
Collazo, Andres (USCB)	Officer	Mar 06 '26	Proposed Sale	18.00	8,000	144,000		Mar 06 11:30 AM
WYCOFF W KIRK	Director	Feb 05 '26	Option Exercise	7.50	7,500	56,250	1,863,786	Feb 06 10:24 AM
DE LA AGUILERA LUIS	President and CEO	Jan 29 '26	Option Exercise	7.50	10,000	75,000	255,893	Jan 30 08:02 AM
DE LA AGUILERA LUIS	President and CEO	Jan 29 '26	Sale	18.02	10,000	180,200	245,893	Jan 30 08:02 AM
Aguilera, Luis de la	Director	Jan 29 '26	Proposed Sale	18.00	10,000	180,000		Jan 29 02:00 PM
WYCOFF W KIRK	Director	Dec 11 '25	Sale	18.68	39,000	728,520	1,856,286	Dec 12 10:26 AM
WYCOFF W KIRK	Director	Dec 10 '25	Sale	18.56	82,043	1,522,718	1,895,286	Dec 11 12:56 PM
WYCOFF W KIRK	Director	Dec 02 '25	Sale	17.75	14,695	260,836	1,977,329	Dec 03 11:14 AM
Feinglass Howard	Director	Dec 01 '25	Option Exercise	7.50	7,500	56,250	13,814	Dec 02 12:19 PM
WYCOFF W KIRK	Director	Nov 25 '25	Sale	18.06	22,558	407,397	1,992,024	Nov 26 11:08 AM
WYCOFF W KIRK	Director	Nov 24 '25	Sale	18.02	21,327	384,313	2,014,582	Nov 26 10:51 AM
W. Kirk Wycoff	Director	Nov 24 '25	Proposed Sale	18.02	180,000	3,243,600		Nov 25 02:40 PM
LEVITAN AIDA	Director	Sep 12 '25	Option Exercise	7.50	10,000	75,000	10,000	Sep 16 12:23 PM
Guerra-Kattou, Martha	EVP, Sales and Marketing	Sep 08 '25	Proposed Sale	16.85	6,000	101,100		Sep 09 04:20 PM
GUERRA-KATTOU MARTHA	EVP, Sales and Marketing	Sep 08 '25	Option Exercise	7.50	6,000	45,000	43,339	Sep 09 03:10 PM
GUERRA-KATTOU MARTHA	EVP, Sales and Marketing	Sep 08 '25	Sale	16.85	6,000	101,100	37,339	Sep 09 03:10 PM
DE LA AGUILERA LUIS	President and CEO	May 22 '25	Option Exercise	7.50	25,000	187,500	263,974	May 23 08:10 AM
DE LA AGUILERA LUIS	President and CEO	May 21 '25	Option Exercise	7.50	5,000	37,500	243,974	May 23 08:10 AM
DE LA AGUILERA LUIS	President and CEO	May 22 '25	Sale	16.70	25,000	417,500	238,974	May 23 08:10 AM
DE LA AGUILERA LUIS	President and CEO	May 21 '25	Sale	16.94	5,000	84,700	238,974	May 23 08:10 AM
Aguilera, Luis de la (USCB)	Director	May 21 '25	Proposed Sale	17.00	30,000	510,000		May 22 01:38 PM

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USCB

USCB Financial Holdings Inc

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