USCB Financial Holdings Management
Management criteria checks 4/4
USCB Financial Holdings' CEO is Lou de la Aguilera, appointed in Jan 2021, has a tenure of 5.5 years. total yearly compensation is $1.64M, comprised of 42.6% salary and 57.4% bonuses, including company stock and options. directly owns 1.33% of the company’s shares, worth $4.94M. The average tenure of the management team and the board of directors is 7.5 years and 5 years respectively.
Key information
Lou de la Aguilera
Chief executive officer
US$1.6m
Total compensation
| CEO salary percentage | 42.56% |
| CEO tenure | 5.5yrs |
| CEO ownership | 1.3% |
| Management average tenure | 7.5yrs |
| Board average tenure | 5yrs |
Recent management updates
Recent updates
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.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.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.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...
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.CEO Compensation Analysis
| Date | Total Compensation | Salary | Company Earnings |
|---|---|---|---|
| Mar 31 2026 | n/a | n/a | US$28m |
| Dec 31 2025 | US$2m | US$700k | US$26m |
| Sep 30 2025 | n/a | n/a | US$32m |
| Jun 30 2025 | n/a | n/a | US$30m |
| Mar 31 2025 | n/a | n/a | US$28m |
| Dec 31 2024 | US$3m | US$625k | US$25m |
| Sep 30 2024 | n/a | n/a | US$20m |
| Jun 30 2024 | n/a | n/a | US$17m |
| Mar 31 2024 | n/a | n/a | US$15m |
| Dec 31 2023 | US$1m | US$600k | US$17m |
| Sep 30 2023 | n/a | n/a | US$18m |
| Jun 30 2023 | n/a | n/a | US$20m |
| Mar 31 2023 | n/a | n/a | US$21m |
| Dec 31 2022 | US$893k | US$523k | US$20m |
| Sep 30 2022 | n/a | n/a | US$21m |
| Jun 30 2022 | n/a | n/a | -US$68m |
| Mar 31 2022 | n/a | n/a | -US$70m |
| Dec 31 2021 | US$1m | US$500k | -US$71m |
| Sep 30 2021 | n/a | n/a | -US$73m |
| Jun 30 2021 | n/a | n/a | US$13m |
| Mar 31 2021 | n/a | n/a | US$11m |
| Dec 31 2020 | US$682k | US$450k | US$8m |
Compensation vs Market: Lou's total compensation ($USD1.64M) is below average for companies of similar size in the US market ($USD2.41M).
Compensation vs Earnings: Lou's compensation has been consistent with company performance over the past year.
CEO
Lou de la Aguilera (66 yo)
Mr. Luis F. de la Aguilera, also known as Lou, is President, CEO and Director of U.S. Century Bank since March 28, 2016 and serves as Chairman since June 26, 2023. He serves as Chairman of USCB Financial H...
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 5.5yrs | US$1.64m | 1.33% $ 4.9m | |
| Executive VP & CFO | 5.8yrs | US$801.85k | 0.67% $ 2.5m | |
| Executive VP & Chief Corporate Lending Officer | 7.5yrs | US$642.99k | 0.34% $ 1.3m | |
| Executive VP and Director of Operations & Information Technology Systems | 10.5yrs | no data | 0.17% $ 641.2k | |
| Senior VP | no data | no data | no data | |
| Executive VP and Director of Sales & Marketing | 10.5yrs | no data | 0.22% $ 826.6k | |
| Senior VP & Human Resources Director | no data | no data | no data | |
| Executive VP & Head of Global Banking Division | 19.5yrs | no data | 0.18% $ 674.6k | |
| Senior VP & Chief Credit Officer | no data | no data | 0.14% $ 512.5k | |
| Executive VP | no data | no data | 0.087% $ 323.2k |
Experienced Management: USCB's management team is seasoned and experienced (7.5 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| President | 5.5yrs | US$1.64m | 1.33% $ 4.9m | |
| Independent Director | 4.4yrs | US$125.00k | 0.066% $ 244.1k | |
| Independent Director | 5.5yrs | US$110.00k | 0.14% $ 507.9k | |
| Independent Director | 4.3yrs | US$120.00k | 0.068% $ 251.9k | |
| Independent Director | 5.5yrs | US$120.00k | 0.011% $ 39.5k | |
| Independent Director | less than a year | no data | no data | |
| Independent Director | 5.5yrs | US$110.00k | 0.076% $ 281.0k | |
| Independent Director | 5.5yrs | US$120.00k | 0.13% $ 499.6k | |
| Independent Director | 4.3yrs | US$110.00k | 0.023% $ 84.6k | |
| Director | less than a year | no data | no data |
Experienced Board: USCB's board of directors are considered experienced (5 years average tenure).
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/16 05:52 |
| End of Day Share Price | 2026/07/16 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
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 |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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
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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. 4 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 |
| Wood Lay | Keefe, Bruyette, & Woods |
| Stephen Scouten | Piper Sandler Companies |