Is USCB Financial Holdings, Inc. (USCB) Overvalued?
We dive into why USCB Financial Holdings, Inc. (USCB) could be considered overvalued on 2026-08-14, based on AAII’s Value Score and Grade.Tudor Pop
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COMPANY SUMMARY
USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various personal and business banking products and services in the United States. The company offers small business administration and yacht lending services; homeowners association services, including deposit collection, lockbox services, payment services, and lending products; jurist advantage and private client group services; correspondent banking services for banks in certain Latin America and the Caribbean countries. It also provides deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, and certificates of deposit; treasury, commercial payment, and cash management services; insured cash sweep and certificate of deposit account registry services; and clients title insurance policies for real estate transactions. The company was founded in 2002 and is headquartered in Doral, Florida.
Commentary & Analysis
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What You Need to Know About USCB Financial Holdings, Inc.'s Q2 Earnings
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Financial Summary
| Share Statistics | USCB | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $414.6 | $745.4 | 35% |
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| Shares Out (Mil) | 18.5 | 15.3 | 29% |
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| Institutional Ownership | 95.4% | 83.2% | 67% |
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| Float (Mil) | 15.2 | 21.8 | 25% |
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| Beta | 0.46 | 0.42 | 26% |
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| Avg Daily Volume (000s) | 65 | 45 | 30% |
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| Price Change (52-week) |
33.6% | 94.6% | 70% |
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| Growth | USCB | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 13.6% | 7.7% | 69% |
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| Net Income (5yr) | 19.3% | 11.1% | 72% |
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| EPS (5yr) | 11.6% | 10.1% | 50 |
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| Dividends (5yr) | 0.0% | 3.6% | 68% |
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| Cash Flow (5yr) | (29.6%) | (17.1%) | 20% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 5 | 5 | 5 | |
| Current EPS | $0.556 | $2.092 | $2.332 | |
| Month Ago EPS | $0.514 | $2.010 | $2.194 | |
| # Rev Up | 2 | 1 | 2 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $0.514 | $2.010 | $2.198 | |
| Year/Year Chg | 13.5% | 57.3% | na | |
| Financials | USCB | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $95 | $196 | 26% |
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| Net Income (TTM) (Mil) | $29 | $55 | 51% |
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| EPS (TTM) | $1.549 | $2.600 | 67% |
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| Operating Cash Flow (TTM) (Mil) | $50 | $35 | 46% |
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| Net Cash Flow (TTM) (Mil) | $63 | $2 | 72% |
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| Long-Term Debt (Q1) (Mil) | $52 | $100 | 39% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | USCB | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.78 | 1.25 | 45% |
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| P/E | 14.6 | 12.4 | 35% |
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| Dividend Yield | 2.2% | 2.2% | 78% |
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| PEG (5yr hist) | 1.3 | 1.1 | 53% |
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| Ratios | USCB | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 30.4% | 29.1% | 89% |
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| ROA | 1.0% | 1.1% | 46% |
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| ROE | 12.4% | 11.3% | 64% |
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| Liabilities to Assets | 92.3% | 89.7% | 89% |
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| F-Score | 5 | 4 | 50% |
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USCB Financial Holdings, Inc. did not pass any screens on 8/21/2026.
