USCB Stock Overview
Operates as the bank holding company for U.S. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 3/6 |
| Past Performance | 4/6 |
| Financial Health | 6/6 |
| Dividends | 2/6 |
Rewards
Risk Analysis
No risks detected for USCB from our risk checks.
My Notes
Capture your thoughts, links and company narrative
Community Narratives
Create a narrativeNarratives bring a range of perspectives from our community.
Florida's Economic Resilience Will Boost Future Revenue Stability Through Niche Market Deposits
USCB Financial Holdings, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$17.11 |
| 52 Week High | US$21.86 |
| 52 Week Low | US$10.25 |
| Beta | 0.59 |
| 1 Month Change | -16.66% |
| 3 Month Change | 12.86% |
| 1 Year Change | 41.52% |
| 3 Year Change | 16.95% |
| 5 Year Change | n/a |
| Change since IPO | 58.13% |
Recent News & Updates
Recent updates
Shareholder Returns
| USCB | US Banks | US Market | |
|---|---|---|---|
| 7D | -8.7% | -3.4% | -2.4% |
| 1Y | 41.5% | 29.1% | 23.4% |
Return vs Industry: USCB exceeded the US Banks industry which returned 29.1% over the past year.
Return vs Market: USCB exceeded the US Market which returned 23.4% over the past year.
Price Volatility
| USCB volatility | |
|---|---|
| USCB Average Weekly Movement | 7.3% |
| Banks Industry Average Movement | 5.2% |
| Market Average Movement | 6.3% |
| 10% most volatile stocks in US Market | 16.8% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: USCB has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: USCB's weekly volatility (7%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2002 | 196 | Lou de la Aguilera | www.uscentury.com |
USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that engages in the provision of various personal and business banking products and services in the United States. It accepts various deposit products, including commercial and consumer checking, money market deposit, savings, and time deposit accounts, as well as certificates of deposit.
USCB Financial Holdings, Inc. Fundamentals Summary
| USCB fundamental statistics | |
|---|---|
| Market cap | US$339.47m |
| Earnings (TTM) | US$20.49m |
| Revenue (TTM) | US$71.79m |
16.6x
P/E Ratio1.6x
P/B RatioIs USCB overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| USCB income statement (TTM) | |
|---|---|
| Revenue | US$71.79m |
| Cost of Revenue | US$0 |
| Gross Profit | US$71.79m |
| Other Expenses | US$51.30m |
| Earnings | US$20.49m |
Last Reported Earnings
Sep 30, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.03 |
| Gross Margin | 100.00% |
| Net Profit Margin | 28.54% |
| Debt/Equity Ratio | 58.8% |
How did USCB perform over the long term?
See historical performance and comparisonDividends
1.2%
Current Dividend Yield14%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/22 09:30 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
USCB Financial Holdings, Inc. is covered by 7 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Feddie Strickland | Hovde Group, LLC |
| Christopher Marinac | Janney Montgomery Scott LLC |
| Feddie Strickland | Janney Montgomery Scott LLC |