USCB Financial Holdings, Inc.

NasdaqGM:USCB Stock Report

Market Cap: US$373.5m

USCB Financial Holdings Future Growth

Future criteria checks 4/6

USCB Financial Holdings is forecast to grow earnings and revenue by 20.3% and 14.4% per annum respectively while EPS is expected to grow by 21.4% per annum.

Key information

20.3%

Earnings growth rate

21.39%

EPS growth rate

Banks earnings growth8.3%
Revenue growth rate14.4%
Future return on equityn/a
Analyst coverage

Low

Last updated01 Jul 2026

Recent future growth updates

Recent updates

Narrative Update • Jun 17

USCB: Steady Execution And P/E Support Will Drive Incremental Upside

Analysts have made only a modest adjustment to their overall price targets for USCB Financial Holdings, with a $1 change reflecting different views on recent company updates and valuation assumptions. Key model inputs such as fair value, discount rate, revenue growth, profit margin and future P/E remain effectively unchanged.
Narrative Update • Jun 02

USCB: Steady Execution And P/E Support Point To Stronger Earnings Power

Analyst price targets for USCB Financial Holdings have shifted as Piper Sandler raised its target by $1 and Raymond James lowered its target by $1. This reflects differing views among analysts on the stock's outlook despite broadly similar assumptions around fair value, discount rate, growth, margins, and future P/E multiples.
Narrative Update • Apr 29

USCB: Higher Fair Value Assumptions Will Support Stronger Earnings Power

The analyst price target for USCB Financial Holdings has shifted from $20.65 to $21.70, with analysts citing updated assumptions for fair value, discount rate, revenue growth, profit margin, and future P/E as the reasons for the change. Analyst Commentary Recent research updates present a mixed picture on USCB Financial Holdings, with one target move higher and another lower, even though the latest consensus price target now stands at US$21.70.
Analysis Article • Aug 04

Here's Why We Think USCB Financial Holdings (NASDAQ:USCB) Is Well Worth Watching

It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...
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New Narrative • Sep 26

Bank's Decisive Moves Promise Enhanced Profitability And Growth Amid Challenges

Diversification of loan portfolio decreases CRE loan dependence, potentially enhancing asset quality and appealing to stability-focused investors.

Earnings and Revenue Growth Forecasts

NasdaqGM:USCB - Analysts future estimates and past financials data (USD Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/202711841N/AN/A4
12/31/202610937N/AN/A4
3/31/202691284343N/A
12/31/202588264343N/A
9/30/202592324949N/A
6/30/202588304040N/A
3/31/202584284141N/A
12/31/202480253535N/A
9/30/202472203132N/A
6/30/202467172829N/A
3/31/202463152122N/A
12/31/202364172223N/A
9/30/202365182626N/A
6/30/202367202930N/A
3/31/202368213233N/A
12/31/202266202930N/A
9/30/202267212930N/A
6/30/202267-682828N/A
3/31/202265-702324N/A
12/31/202163-712122N/A
9/30/202160-732222N/A
6/30/202155131717N/A
3/31/202151111616N/A
12/31/20204681313N/A
12/31/20194510N/A14N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: USCB's forecast earnings growth (20.3% per year) is above the savings rate (3.5%).

Earnings vs Market: USCB's earnings (20.3% per year) are forecast to grow faster than the US market (18.4% per year).

High Growth Earnings: USCB's earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: USCB's revenue (14.4% per year) is forecast to grow faster than the US market (12.7% per year).

High Growth Revenue: USCB's revenue (14.4% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: Insufficient data to determine if USCB's Return on Equity is forecast to be high in 3 years time

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/07/06 07:18
End of Day Share Price 2026/07/06 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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.

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 Github.

Analyst Sources

USCB Financial Holdings, Inc. is covered by 4 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.

AnalystInstitution
Feddie StricklandHovde Group, LLC
Wood LayKeefe, Bruyette, & Woods
Stephen ScoutenPiper Sandler Companies