NASDAQ: USCBUscb Financial Holdings Inc Stock
$17.11+0.17 (+1%)
Updated Jul 14, 2025
USCB Price
$17.11
Fair Value Price
$37.14
Market Cap
$343.03M
52 Week Low
$13.69
52 Week High
$21.86
P/E
12.22x
P/B
1.52x
P/S
4.41x
PEG
1.15x
Dividend Yield
0.58%
Revenue
$84.46M
Earnings
$27.72M
Gross Margin
100%
Operating Margin
43.26%
Profit Margin
32.8%
Debt to Equity
10.9
Operating Cash Flow
$41M
Beta
0.49
Next Earnings
Jul 24, 2025
Ex-Dividend
N/A
Next Dividend
N/A
USCB Overview
USCB Financial Holdings Incorporated is the holding company for U.S. Century Bank that offers banking products and services to small and medium sized businesses. Offereings include checking, savings, money market, and time deposit accounts, and certificates of deposit. Its loan products include residential real estate loans, commercial real estate loans, commercial and industrial loans, foreign banks loans, and secured/unsecured consumer loans. USCB was founded in 2002 and is headquartered in Miami, FL.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine USCB's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
F
USCB
Ranked#79 of 297
Ranked#79 of 297
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $36.73 | B | |
| $38.34 | B | |
| $16.43 | B |
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USCB News
Overview
Due Diligence Score
–
Industry Average (35)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how USCB scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
USCB ($17.11) is undervalued by 53.93% relative to our estimate of its Fair Value price of $37.14 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
USCB ($17.11) is significantly undervalued by 53.93% relative to our estimate of its Fair Value price of $37.14 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
USCB ($17.11) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more USCB due diligence checks available for Premium users.
Valuation
USCB fair value
Fair Value of USCB stock based on Discounted Cash Flow (DCF)
Price
$17.11
Fair Value
$37.14
Undervalued by
53.93%
USCB ($17.11) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
USCB ($17.11) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
USCB ($17.11) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
USCB price to earnings (PE)
For valuing profitable companies with steady earnings
Company
12.22x
Industry
12.67x
Market
31.22x
USCB is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
USCB is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
USCB price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.52x
Industry
1.22x
USCB is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
USCB price to earnings growth (PEG)
For valuing profitable companies with growth potential
USCB is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
USCB's financial health
Profit margin
Revenue
$22.2M
Net Income
$7.7M
Profit Margin
34.6%
USCB's Earnings (EBIT) of $36.54M... subscribe to Premium to read more.
Interest Coverage Financials
USCB's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$2.7B
Liabilities
$2.5B
Debt to equity
10.9
USCB's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$14.6M
Investing
-$72.2M
Financing
$78.5M
USCB's operating cash flow ($40.69M)... subscribe to Premium to read more.
Debt Coverage Financials
USCB vs Bank Stocks
Uscb Financial Holdings Stock FAQ
Company
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