NASDAQ · Banks - Regional · USD

USCB Financial Holdings, Inc. (USCB) Stock Analysis

USCB Financial Holdings, Inc. (USCB) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

USCB

$22.29

−$0.20 (−0.89%)

Oct 21, 2026 · Market close

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Price History

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USCB Key Statistics

As of Oct 21, 2026

Trading

Open: $22.54
Previous Close: $22.49
Day's Range: 22.05–22.54
52-Week Range: 16.82–23.89
Volume: 61.64K
Beta: 0.44

Valuation

Market Cap: $411.80M
P/E Ratio: 14.29
Forward P/E: 9.60
P/S ratio: 4.36
EPS (ttm): 1.56

Financials (FY)

Revenue (FY): $90.22M+9.13%
Net Income (FY): $26.10M+5.78%
Profit margin: 30.41%
Shares Outstanding: 18.47M
1-Year Return: +30.08%

Dividend and dates

Dividend: $0.50+2.22%
Ex-Dividend Date: November 16, 2026
Earnings Date: October 22, 2026
Avg Volume: 67.42K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, USCB closed at $22.29, +30.08% over 1 year.

USCB Financial Holdings, Inc. (USCB) has a market capitalization of $411.80M.

In fiscal 2025, USCB reported revenue of $90.22M.

USCB Stock Return by Calendar Year

USCB Financial Holdings, Inc. (USCB) return since Jul 2021: what $10,000 became

1 year: $10,000 $13,008; +30.08%
5 years: $10,000 $18,325; +83.25%
Since Jul 2021: $10,000 $21,662; +116.62%

If you had invested $10,000 in USCB Financial Holdings, Inc. (USCB) at the close on July 23, 2021, the earliest close on record here, it would have been worth $21,662 at the close on October 21, 2026: +116.62% in total, +15.88% a year, with dividends reinvested, over a partial period shorter than 10 years. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

+29.44%−12.89%+0.41%+47.03%+6.13%+22.62%

2021*20222023202420252026*

Year	Return
2026 (partial year)	+22.62%
2025	+6.13%
2024	+47.03%
2023	+0.41%
2022	−12.89%
2021 (partial year)	+29.44%

As of October 21, 2026.

USCB Revenue and Earnings by Fiscal Year

FY ends December

RevenueNet income

2022202320242025

Fiscal year	Revenue	Net income	Net margin
2025	$90.22M	$26.10M	28.9%
2024	$82.68M	$24.67M	29.8%
2023	$65.97M	$16.55M	25.1%
2022	$68.73M	$20.14M	29.3%

Fiscal year	Revenue	Gross profit	Operating income	Net income	Net margin
2025	$90.22M	—	—	$26.10M	28.9%
2024	$82.68M	—	—	$24.67M	29.8%
2023	$65.97M	—	—	$16.55M	25.1%
2022	$68.73M	—	—	$20.14M	29.3%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

USCB Dividend History

’24’25’26*

$0.40+100.0% vs 2024

Dividends per share, 2025 · 4 payments

Year	Dividends per share	Payments	Change
2026*	$0.38	3	—
2025	$0.40	4	+100.0%
2024	$0.20	4	—

Most recent payment: $0.13 per share, ex-dividend August 17, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

USCB Valuation vs Banks - Regional Median

Median of 326 stocks

Metric	USCB	Banks - Regional median	vs median
P/E	14.29	12.03	19% above
P/S ratio	4.36	3.58	22% above
Profit margin	30.41%	29.44%	1.0 pts above

Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

The market values USCB Financial Holdings, Inc. (USCB) at $411.80M. It is classified in the Banks - Regional industry, within the Financial Services sector. The company reports 216 employees.

USCB last closed at $22.29 on October 21, 2026. That is −$0.20 (−0.89%) against the previous close. The 52-week range on file runs from $16.82 to $23.89. The latest close sits 32.52% above that 52-week low.

Financial Health

The most recent full year on file, fiscal 2025, shows revenue of $90.22M. That is +9.13% against the prior fiscal year, when revenue was $82.68M. The same year closed with net income of $26.10M. That is +5.78% against the prior fiscal year. The reported profit margin is 30.41%. That is 1 percentage points above the Banks - Regional median of 29.44%. Earnings per share on a trailing basis come to 1.56.

Across the 4 fiscal years on file, revenue moves from $68.73M in 2022 to $90.22M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

The trailing P/E ratio stands at 14.29. That is 18.79% above the Banks - Regional median of 12.03. On forward earnings the ratio is 9.6. The price-to-sales ratio is 4.36. On price-to-sales that is 21.8% above the Banks - Regional median of 3.58. 326 Banks - Regional companies report these metrics, and the medians quoted come from that group.

Over the trailing twelve months the total return is +30.08%. Measured over 5 years, that is +12.88% a year compounded. The reported beta is 0.44. Daily returns over the trailing 5 years annualize to a volatility of 35.89%.

Growth & Income

The trailing dividend yield is 2.22%. That is 0.5 percentage points below the Banks - Regional median yield of 2.68%. The indicated annual rate is $0.50 a share. The ex-dividend date on file is November 16, 2026. Dividends are recorded for 3 calendar years; 2026 shows 3 payments totalling $0.38 a share. The year before, 2025, totalled $0.40 a share.

So far in 2026 the total return is +22.62%. The strongest complete calendar year on file is 2024 at +47.03%; the weakest is 2022 at −12.89%. Of the 4 complete calendar years on file, 3 finished higher.

Peer Comparison

USCB Financial Holdings, Inc. (USCB) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company	Ticker	Market Cap	P/E Ratio
USCB Financial Holdings, Inc.	USCB	$411.80M	14.3
Mizuho Financial Group, Inc.	MFG	$120.84B	13.7
HDFC Bank Limited	HDB	$116.51B	14.6
Itaú Unibanco Holding S.A.	ITUB	$106.91B	12.4

The Banks - Regional industry average P/E ratio is 12.0x. USCB Financial Holdings, Inc. trades at a P/E of 14.3.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About USCB Financial Holdings, Inc.

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.

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