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USCB Financial Holdings, Inc.
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NASDAQ: USCB Financials Bank 🔎 Screen
🏹 Trader: 🚀 Stage 2 + Near High 📈 Stage 2 🎯 Near 52W High 💎 VCP Breakout | BRS 69 Forming View all →
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$421M
Market Cap
13.8
P/E
1.39
PEG
—
ROCE
12.1%
ROE
0.18
D/E
—
OPM
-6.5%
% from 52W High
78
α RS
🔍 USCB is showing a multi-screen setup because it matches 3 of 39 tracked screener presets, Sector RRG has Financials in the Improving quadrant with the trail still strengthening, RS Rating is 78, and it has maintained a 24-day Near 52-Week High momentum persistence. The main caution: the Steady Dividend preset's Backtest win rate is only 44.2%. Net: Mixed signal stack, not a recommendation. ? Conviction RRG RS Rating Momentum Streaks Backtest
Sources
Conviction 3/39 · Financials in Improving quadrant · RS Rating 78 · Near 52-Week High streak: 24d · Backtest win rate 44.2%
🌏 Global Investor Returns
Currency-adjusted total returns for USCB including FX impact
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📈 Price History
Ratio Health
— Excellent
— Good
— Average
— Poor
By Category
📊 Peer Medians
About

USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various personal and business banking products and services in the United States.

Key Ratios Snapshot
📈 Growth Pattern
📊 Quick Scorecard
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⭐ Superinvestors Holding USCB
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Manager Shares Value % of Fund Period
Jim Simons Renaissance Technologies LLC 91.2K $1.7M 0.00% Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

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✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
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📞 Earnings Call Transcripts (5)
Q2 2026 Q2 2026 2026-07-24
Surpassed $3 billion in assets with record loan production, margin expansion, and strong credit quality. Net income rose 22.5% year-over-year, efficiency ratio improved below 50%, and robust South Florida market conditions support continued growth.
Q1 2026 Q1 2026 2026-04-24
Record Q1 2026 results featured strong earnings, double-digit loan and deposit growth, stable margins, and excellent credit quality. Expansion plans include new branches and continued investment in specialized verticals, with robust capital and dividend stability.
Q4 2025 Q4 2025 2026-01-23
Assets grew 8.1% year-over-year to $2.8B, with strong loan and deposit growth, stable credit quality, and a 25% dividend increase. Adjusted Q4 EPS was $0.44, and NIM improved to 3.27%. 2026 guidance calls for further NIM expansion, high single-digit loan growth, and stable efficiency.
Q3 2025 Q3 2025 2025-10-24
Record Q3 net income and EPS were driven by strong loan and deposit growth, robust credit quality, and disciplined expense management. NIM is expected to improve in Q4, with a strong loan pipeline and continued focus on scalable business verticals.
Q2 2025 Q2 2025 2025-07-25
Record Q2 results with net income up 29% year-over-year, strong loan and deposit growth, and improved profitability ratios. Strategic initiatives and a robust Florida market support continued expansion, with stable asset quality and a positive outlook for loan and SBA growth.
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📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

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Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

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Investment Risk:
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Information Sources:
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