USCB Company Profile and Key Details

USCB Financial Holdings, Inc. (NASDAQ:USCB) closed at $19.04 USD, gaining $0.09 (0.47%) from the previous close of $18.95. The stock is currently mid-range between its 52-week high and low $15.39 and $20.79. With a market capitalization of about $347.61 million, USCB Financial Holdings, Inc. is classified as a small-cap and shows lower-than-market volatility (beta ~0.59). Key stats such as the average daily volume over the past year has been around 47.35 thousand shares, volume is running light vs its 52-week average. Headquartered in Doral, FL, USCB Financial Holdings, Inc. operates in the Financial Services sector and the Banks - Regional industry. Led by CEO Luis F. de la Aguilera, the company employs approximately 199 people and listed since July 23, 2021. USCB Financial Holdings, Inc. operates as the bank holding company for U.S.

Short-term trend indicators are bearishly aligned (SMA20 -0.36%, SMA50 0.77%, SMA200 9.92%). The stock’s 14-day RSI is 50.5 (neutral), while the ATR of 0.67 points to higher daily volatility. The stock remains hovering near 52-week lows, trading -6.33% below its high and over 26.51% above its low. Average 10-day trading volume of 32.59 thousand shares is below the 3-month average of 47.95 thousand, indicating normal recent market interest.

USCB Financial Holdings, Inc. trades at a P/E ratio of 13.22, slightly below the S&P 500 average, with a price-to-sales ratio of 2.29 and a price-to-book ratio of 1.62 suggesting the stock is closer to book value. The P/FCF stands at 8.18, also below market averages.

USCB Financial Holdings, Inc. last paid a dividend of 0.42 per share, Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $39.85. This means the shares are trading below this model’s fair value.

USCB Financial Holdings, Inc. generated EPS of $1.30 over the past year. Five-year average earnings growth is 11.64%. The latest quarter delivered EPS of $0.45. The next quarter is forecast at $0.47. Next year's EPS is expected at $10.68. Analyst sentiment is bullish. Analyst rating data shows there are 3 Strong Buy ratings, 0 Buy ratings, 0 Hold ratings, 0 Sell rating and 0 Strong Sell ratings. Price targets range from $23.00 to $20.00. The high target offers 20.8% upside. The low target suggests 5.04% downside. The mean target is $21.67. This offers 13.81% upside. USCB Financial Holdings, Inc. earnings surprise history is a consistent trend of beating forecasts. The quarter that ended October 23, 2025, missed forecasts by 7.14%. The prior quarter beat by 5.26%. Over the last six quarters, Apple has recorded several small beats. These include 29.17% in July 25, 2024.

USCB Financial Holdings, Inc. has 20.08 million shares outstanding. The public float is 14.93 million shares, elevated short interest at 0.92% of float. This equals 96.30 thousand shares. The short ratio is 5.54 days. Institutional investors hold 84.66% of the float. Insiders own 25.1%. Feinglass Howard holds 4.52 million shares, WYCOFF W KIRK has 1.86 million shares and DE LA AGUILERA LUIS has 245.89 thousand shares. Over the past six months, insider transactions show net selling. They sold 197.62 thousand shares across 7 transactions.