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Company price
19.88 USD 0.03 ( 0.15%)
Last update at 2026-10-30T20:00:00Z
VOLUME
122274
Market Cap
237.64M
P/E
15.30

Momentum Score

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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. It also offers loan products, such as small business administration loans, yacht financing, residential and commercial real estate loans; commercial and industrial loans; foreign bank loans; and secured and unsecured consumer loans comprising personal loans, overdrafts, and deposit account collateralized loans. The company also offers lockbox, treasury, commercial payments, cash management, and online banking services, as well as provides title insurance policies for real estate transactions. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida.

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Day Price Range
19.82
Low
20.20
High
52 Week Price Range
9.24
Low
12.86
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
19.85
Dividend Yield
1.67%
Revenue TTM
62.95M
Revenue Per Share
3.22
Gross Profit TTM
66.39M
Debt / Equity
1.01
ROE
8.10%
Net Debt
153.36M
ROCE
4.65%
Diluted EPS TTM
0.79

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Income before tax 27.09M 7.40M 13.41M -
Net income 20.14M 5.65M 10.82M -
Selling general administrative 23.94M 23.69M 21.43M -
Gross profit 68.73M 15.03M 49.69M -
Reconciled depreciation 0.69M 1.03M 1.27M -
Ebit 34.52M 27.68M 13.41M -
Ebitda 35.21M 7.40M 14.68M -
Depreciation and amortization 0.69M 1.03M 1.27M -
Operating income 34.52M 7.40M 13.41M -
Other operating expenses -34.20M -7.63M -36.29M 5.70M
Interest expense 7.44M 0.95M 9.04M 0.00M
Tax provision 6.94M 6.60M 2.59M -
Interest income 71.10M 56.72M 52.63M -
Net interest income 63.66M 52.50M 43.60M -
Income tax expense 6.94M 1.75M 2.59M 3.38M
Total revenue 68.73M 15.03M 49.69M -
Total operating expenses -34.20M -7.63M -36.29M -
Total other income expense net -7.44M -4.23M -9.04M -
Net income from continuing ops 20.14M 21.08M 10.82M -
Net income applicable to common shares 40.28M -70.58M 7.69M 10.39M
Preferred stock and other adjustments - 2.08M - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 2342.89M 2085.83M 1853.94M 1501.74M -
Other current assets 51.75M - 5.97M 5.55M 3.55M
Total liab 2150.92M 1903.41M 1650.04M 1330.74M -
Total stockholder equity 191.97M 182.43M 203.90M 171.00M -
Other current liab 1585.47M -13.73M -9.48M -6.83M -
Common stock 19.57M 20.00M 19.99M 10.01M 10.01M
Capital stock 19.57M 20.00M 19.99M 42.09M -
Retained earnings -88.55M -104.10M -124.25M -53.62M -61.31M
Other liab - - 23.66M 6.17M 5.58M
Other assets - 1585.62M 1258.07M 1093.28M 1060.35M
Cash 41.06M 54.17M 46.23M 47.73M -
Total current liabilities 1601.03M 13.73M 9.48M 6.83M 1088.07M
Net debt 153.36M 6.23M 3.96M 2.78M -
Short long term debt total 194.42M 60.40M 50.19M 50.51M -
Other stockholder equity 305.21M 311.28M 310.67M 177.75M 1.96M
Property plant equipment - 5.26M 5.28M 20.86M 24.61M
Total current assets 51.75M 61.71M 52.20M 53.28M 39.29M
Long term investments 404.30M 1719.99M 1576.57M 334.32M -
Net tangible assets - 182.43M 203.90M 138.92M 128.21M
Net receivables 10.69M 7.55M 5.97M 5.55M -
Long term debt 183.00M 46.00M 36.00M 36.00M -
Inventory -51.75M - - - -
Accounts payable 15.56M 13.73M 9.48M 6.83M 1017.62M
Accumulated other comprehensive income -44.27M -44.75M -2.52M 4.78M -
Common stock total equity - 20.00M 19.99M - -
Retained earnings total equity - -104.10M -124.25M - -
Non currrent assets other 59.60M -438.50M -543.66M -355.18M -
Non current assets total 2291.14M 438.50M 543.66M 355.18M -
Capital lease obligations 11.42M 14.39M 14.19M 14.51M -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Investments -282.75M -348.42M -148.24M -8.57M
Change to liabilities 0.00M 0.00M 0.00M 0.00M
Total cashflows from investing activities -270.60M -359.36M -178.78M -127.08M
Net borrowings - - -75.00M -6.00M
Total cash from financing activities 249.00M 335.81M 177.67M 123.14M
Change to operating activities - 0.38M 1.27M 0.17M
Net income 20.14M 21.08M 10.82M 10.39M
Change in cash 7.94M -1.51M 11.99M 10.39M
Begin period cash flow 46.23M 47.73M 35.74M -
End period cash flow 54.17M 46.23M 47.73M 35.74M
Total cash from operating activities 29.54M 22.05M 13.10M 14.34M
Issuance of capital stock 0.10M 39.83M 0.01M -
Depreciation 0.69M 1.03M 1.27M 1.23M
Other cashflows from investing activities 12.82M -10.31M 3.05M -5.49M
Dividends paid - -2.08M -3.13M 1.83M
Change to account receivables -1.57M -0.43M -2.00M -
Sale purchase of stock 0.10M -18.92M 0.00M -
Other cashflows from financing activities 364.90M 316.98M 334.78M 130.96M
Change to netincome 1.07M -3.24M 1.74M 2.36M
Capital expenditures 0.67M 0.63M 0.35M 0.87M
Change receivables -1.57M -0.43M - -
Cash flows other operating 10.96M 7.80M - -
Cash and cash equivalents changes 7.94M -1.51M - -
Change in working capital -0.77M -0.05M -0.73M -
Stock based compensation 0.52M 0.29M 0.19M -
Other non cash items 2.01M -6.90M -1.04M -
Free cash flow 28.86M 21.42M 12.76M -

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
USCB
US Century Bank
0.03
0.15%
19.88 15.30 11.06 3.24 1.08
DBSDY
DBS Group Holdings Ltd ADR
-2.42
1.05%
227.80 20.00 17.57 7.54 3.17
CIHHF
China Merchants Bank Co Ltd Class H
-
-%
6.66 7.70 7.10 0.55 0.83
CIHKY
China Merchants Bank Co Ltd
1.20
3.58%
34.75 7.79 7.20 0.55 0.85
UNCFF
UniCredit SpA
-0.02
0.02%
82.05 11.53 10.27 5.72 1.83

Profile*

US Century Bank

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. It also offers loan products, such as small business administration loans, yacht financing, residential and commercial real estate loans; commercial and industrial loans; foreign bank loans; and secured and unsecured consumer loans comprising personal loans, overdrafts, and deposit account collateralized loans. The company also offers lockbox, treasury, commercial payments, cash management, and online banking services, as well as provides title insurance policies for real estate transactions. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida.

2301 NW 87th Avenue, Miami, FL, United States, 33172

305 715 5200

199

Name Title Year Born
Mr. Luis F. de la Aguilera Pres, CEO & Director 1961
Mr. Robert B. Anderson CPA Exec. VP & CFO 1966
Mr. Benigno Pazos CPA Exec. VP & Chief Credit Officer 1954
Mr. Andres L. Collazo Exec. VP and Director of Operations & Information Technology Systems 1964
Mr. Roberto Diaz CPA Controller & Chief Accounting Officer NA
Mr. Alexander Fortich Chief Compliance Officer NA
Mr. Jalal Shehadeh Esq. Sec. & Gen. Counsel NA
Ms. Martha Guerra-Kattou Exec. VP & Director of Sales & Marketing 1969
Ms. Jessica Goldberg Sr. VP & HR Director NA
Mr. Oscar Gomez Exec. VP & Head of Global Banking Division 1955

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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