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USCB Financial(NASDAQ) USCB

Market Cap$410.87MMarket 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)+117%
5 Year+82%
1 Year+31%
1 Month+2%
Premium Feature
Moneyball Superscore
64/100
$22.20
-0.20%
-0.04Today
USCB Financial last closing stock price
MetricPriceDate
Last closeUSD 22.242026-08-31
USCB Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.89%USD 22.442026-08-24
1 month+1.8%USD 21.852026-07-31
3 month+20.5%USD 18.462026-06-02
Year to date+23.03%USD 18.082025-12-31
1 year+31.04%USD 16.972025-08-29
3 year+111.29%USD 10.532023-09-01
5 year+81.87%USD 12.232021-09-01
Since inception+117.34%USD 10.232021-07-23

USCB Financial Financials at a Glance

Market Cap

$410.87MMarket 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)

$144.20M

Net Income (TTM)

$28.73M

EPS (TTM)

$1.52

P/E Ratio

14.59

Dividend

$0.48

Beta (Volatility)

0.51 (Low)

Price

$22.20

Volume

11,005.238

Open

$22.11

Previous Close

$22.24

Daily Range

$21.77 - $22.28

52-Week Range

$16.36 - $23.89

Estimated Earnings Date

Oct 22, 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 Financial Holdings, Inc. helps Florida businesses and families manage money. It provides loans for homes, companies, and boats. The bank also keeps deposits safe and handles payments.

How USCB Serves Florida

  • Commercial Real Estate: Loans for buying or improving business properties.
  • Specialized Business Banking: Services for homeowners associations, law firms, and private clients.
  • Personal Banking: Checking accounts, savings accounts, and residential home loans.
  • International Services: Banking support for other financial institutions in Latin America.
  • Specialty Lending: Loans for small businesses through federal programs and yacht financing.

Growth and Strategic Steps

  • Sold $40.0 million in subordinated notes on Aug. 14, 2025, to raise new capital.
  • Expanded total assets past the $3.0 billion mark during the first half of 2026.
  • Applied a relationship-based model to win business in competitive city markets.
  • Increased the commercial loan portfolio as a primary strategic focus for the company.

What Sets This Bank Apart?

The company maintains a strong focus on the South Florida economy and relies on deep local management relationships. It manages interest rate risks by balancing variable-rate loans with fixed-rate liabilities.

By the Numbers

  • Net income reached $9.1 million for the three months ended June 30, 2026, up 11.5% year over year.
  • Total loans reached $2.32 billion at June 30, 2026, up 9.9% from June 30, 2025.
  • Net interest margin, the gap between interest earned and interest paid, rose to 3.49% for the quarter ended June 30, 2026, from 3.28% year over year.
  • Total deposits rose to $2.45 billion as of June 30, 2026, up 5.0% year over year.

Bottom Line

USCB has evolved into a regional institution by focusing on niche business services in Florida. Its transition toward a larger asset base reflects a strategy of deepening local commercial ties.

AI Generated • Aug 8, 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

65.85%

Operating Margin

27.38%

Net Income Margin

19.92%

Return on Equity

13.09%

Return on Capital

11.85%

Return on Assets

0.95%

Earnings Yield

6.85%

Dividend Yield

2.14%

Payout Ratio

29.22%

Stock Overview

Market Cap

$410.87MMarket 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

18.47M

Volume

11.01K

Avg. Volume

56.36K

Financials (TTM)

Gross Profit

$94.96M

Operating Income

$39.48M

EBITDA

$39.97M

Operating Cash Flow

$50.06M

Capital Expenditure

-$971.00K

Free Cash Flow

$49.09M

Cash & ST Invst.

$118.15M

Total Debt

$292.90M

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
Q32025-09-304.8%
Q42025-12-31-19.2%
Q12026-03-31-21.7%
Q22026-06-3064.7%
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
Q32025-09-3012.5%
Q42025-12-31-84.4%
Q12026-03-31628.6%
Q22026-06-30-3.9%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$43.14M

+9.1%

Gross Profit

$26.68M

+14.1%

Gross Margin

61.85%

N/A

Market Cap

$410.87MMarket 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

$2.00M

N/A

Employees

205

N/A

Net Income

$9.08M

+11.5%

EBITDA

$12.71M

+16.8%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$118.15M

+115.5%

Total Debt

$292.90M

+154.6%

Accounts Receivable

$11.67M

+3.4%

Inventory

$0.00

N/A

Long Term Debt

$180.90M

+65.9%

Short Term Debt

$112.00M

+1766.7%

Return on Assets

0.95%

N/A

Return on Invested Capital

1.36%

N/A

Free Cash Flow

$24.21M

+34.5%

Operating Cash Flow

$24.65M

+36.6%

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Questions About USCB

What is the current price of USCB Financial?

USCB Financial is trading at $22.20 per share.

What is the 52-week range for USCB Financial?

Over the past 52 weeks, USCB Financial has traded between $16.36 and $23.89.

How much debt does USCB Financial have?

As of the most recent reporting period, USCB Financial reported total debt of $292.90M.

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 2.14%.

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