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Uscb Financial(NASDAQ) USCB

Current Price$20.11
Market Cap$372.95MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2021)+98%
5 YearN/A
1 Year+18%
1 Month+7%
Uscb Financial last closing stock price
MetricPriceDate
Last closeUSD 20.422026-07-21
Uscb Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+1.79%USD 20.062026-07-14
1 month+6.63%USD 19.152026-06-18
3 month+6.28%USD 19.212026-04-22
Year to date+12.33%USD 18.182025-12-31
1 year+18.1%USD 17.292025-07-21
3 year+83.68%USD 11.122023-07-21
Since inception+98.44%USD 10.292021-07-23

Uscb Financial Financials at a Glance

Market Cap

$372.95MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$140.58M

Net Income (TTM)

$27.79M

EPS (TTM)

$1.43

P/E Ratio

14.23

Dividend

$0.45

Beta (Volatility)

0.00 (Low)

Price

$20.11

Volume

384

Open

$20.15

Previous Close

$20.42

Daily Range

$20.07 - $20.41

52-Week Range

$16.06 - $20.99

Estimated Earnings Date

Jul 23, 2026

USCB News

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Uscb EPS Jumps 29 Percent in Q2

Motley Fool Markets TeamJul 25, 2025

USCB: Motley Fool Moneyball Superscore

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About Uscb Financial

USCB helps local businesses and individuals manage money and access loans. Its services support small companies, professionals, and community groups in South Florida. Customers use USCB for daily banking, business growth, and specialized lending needs.

Banking, But Make It Local: Products and Services

  • Business Banking: Checking, savings, and money market accounts for small and medium businesses (SMBs).
  • Lending Solutions: Commercial real estate, residential mortgages, and business loans for property, equipment, or working capital.
  • Specialty Lending: SBA loans, yacht financing, and loans for homeowner associations (HOAs) and professionals.
  • Consumer Banking: Personal checking, savings, and certificates of deposit for individuals and families.
  • Cash Management: Treasury, payments, and online banking tools for efficient business operations.

Growth Spurts and Strategic Moves

  • Sold $44.6M in securities in Q4 2025 to reinvest in higher-yielding loans.
  • Issued $40M in subordinated notes in August 2025 to fund share repurchases.
  • Continued focus on South Florida market, with 10 banking centers as of 2025.

What Makes USCB Stand Out in the Crowd

USCB specializes in relationship-based banking for local businesses and professionals, offering niche services like yacht and HOA lending. Its correspondent banking for Latin American and Caribbean banks is uncommon for a bank of its size. The company maintains a conservative approach to risk and invests in community engagement and employee development.

Five Things You Need to Know

  • Revenue was $33M in Q4 2025, down 11.5% from Q4 2024.
  • Net income reached $26.1M in FY 2025, up 5.7% year-over-year.
  • Total assets were $2.8B as of December 31, 2025, up 8.1% year-over-year.
  • Loan portfolio grew 11.0% in 2025, led by commercial real estate lending.
  • Operating cash flow was $20M in Q4 2025, up from -$3M in Q4 2024.

Bottom Line

USCB has grown by focusing on local business needs and specialty lending. Its adaptability and conservative risk management support steady performance in a competitive market.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

205

CEO

Luis de la Aguilera

Website

www.uscentury.com

Headquarters

Doral, FL 33172, US

USCB Financials

Key Financial Metrics (TTM)

Gross Margin

65.19%

Operating Margin

26.68%

Net Income Margin

19.77%

Return on Equity

12.69%

Return on Capital

11.85%

Return on Assets

0.98%

Earnings Yield

7.03%

Dividend Yield

2.20%

Payout Ratio

29.17%

Stock Overview

Market Cap

$372.95MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

18.26M

Volume

384

Avg. Volume

62.30K

Financials (TTM)

Gross Profit

$91.65M

Operating Income

$37.50M

EBITDA

$38.14M

Operating Cash Flow

$43.45M

Capital Expenditure

-$577.00K

Free Cash Flow

$42.88M

Cash & ST Invst.

$356.12M

Total Debt

$92.34M

Uscb Financial Performance Analysis

Uscb Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 76,328,00014.9%
20232023-12-31USD 108,420,00042.0%
20242024-12-31USD 143,973,00032.8%
20252025-12-31USD 152,079,0005.6%
Uscb Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-304.9%
Q32025-09-304.8%
Q42025-12-31-19.2%
Q12026-03-31-21.7%
Uscb Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.00N/A
20232023-12-31USD 0.84-15.8%
20242024-12-31USD 1.2448.0%
20252025-12-31USD 1.336.8%
Uscb Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-305.3%
Q32025-09-3012.5%
Q42025-12-31-84.4%
Q12026-03-31628.6%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$26.20M

-30.5%

Gross Profit

$25.40M

+14.7%

Gross Margin

96.94%

N/A

Market Cap

$372.95MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.82M

N/A

Employees

205

N/A

Net Income

$9.35M

+22.1%

EBITDA

$11.85M

+15.7%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$356.12M

-4.6%

Total Debt

$92.34M

-20.2%

Accounts Receivable

$2.21B

+19992.1%

Inventory

$0.00

N/A

Long Term Debt

$39.34M

-66.0%

Short Term Debt

$53.00M

N/A

Return on Assets

0.98%

N/A

Return on Invested Capital

12.54%

N/A

Free Cash Flow

$14.96M

+2.6%

Operating Cash Flow

$15.28M

+4.4%

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Questions About USCB

What is the current price of Uscb Financial?

Uscb Financial is trading at $20.11 per share.

What is the 52-week range for Uscb Financial?

Over the past 52 weeks, Uscb Financial has traded between $16.06 and $20.99.

How much debt does Uscb Financial have?

As of the most recent reporting period, Uscb Financial reported total debt of $97.09M.

How much cash does Uscb Financial have on hand?

Uscb Financial does not have cash on hand data available.

What is Uscb Financial’s dividend yield?

Uscb Financial currently has a dividend yield of 2.20%.

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