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USCB Financial Holdings, Inc. USCB
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 19.85
-1.49 %
$ 394 M
Market Cap
19.09
P/E
1. INTRINSIC VALUE

USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various banking products and services to small-to-medium sized businesses. The company accepts 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 and unsecured consumer loans comprising personal loans, overdrafts, and deposit account collateralized loans. The company also offers treasury, commercial payments, cash management, and online banking services. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida.[ Read More ]

The intrinsic value of one USCB stock under the base case scenario is HIDDEN Compared to the current market price of 19.9 USD, USCB Financial Holdings, Inc. is HIDDEN

USCB Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart USCB

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FINANCIALS
63.6 M REVENUE
-7.46%
Growth Rates
1Year -7.46%
3Years 8.57%
5Years 33.44%
7Years 0.00%
10Years 0.00%
30.8 M OPERATING INCOME
-10.91%
Growth Rates
1Year -10.91%
3Years 31.89%
5Years 32.96%
7Years 0.00%
10Years 0.00%
16.5 M NET INCOME
-17.85%
Growth Rates
1Year -17.85%
3Years 15.21%
5Years 0.00%
7Years 0.00%
10Years 0.00%
22.5 M OPERATING CASH FLOW
-23.67%
Growth Rates
1Year -23.67%
3Years 19.83%
5Years 0.00%
7Years 0.00%
10Years 0.00%
-273 M INVESTING CASH FLOW
-0.89%
Growth Rates
1Year -0.89%
3Years -15.16%
5Years 0.00%
7Years 0.00%
10Years 0.00%
237 M FINANCING CASH FLOW
-4.68%
Growth Rates
1Year -4.68%
3Years 10.14%
5Years 0.00%
7Years 0.00%
10Years 0.00%
37 M REVENUE
3.27%
Growth Rates
1Year -7.46%
3Years 8.57%
5Years 33.44%
7Years 0.00%
10Years 0.00%
9.16 M OPERATING INCOME
5.89%
Growth Rates
1Year -10.91%
3Years 31.89%
5Years 32.96%
7Years 0.00%
10Years 0.00%
6.21 M NET INCOME
34.63%
Growth Rates
1Year -17.85%
3Years 15.21%
5Years 0.00%
7Years 0.00%
10Years 0.00%
17.9 M OPERATING CASH FLOW
122.99%
Growth Rates
1Year -23.67%
3Years 19.83%
5Years 0.00%
7Years 0.00%
10Years 0.00%
-19.8 M INVESTING CASH FLOW
70.23%
Growth Rates
1Year -0.89%
3Years -15.16%
5Years 0.00%
7Years 0.00%
10Years 0.00%
-47.4 M FINANCING CASH FLOW
-32.95%
Growth Rates
1Year -4.68%
3Years 10.14%
5Years 0.00%
7Years 0.00%
10Years 0.00%
Balance Sheet Decomposition USCB Financial Holdings, Inc.
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Current Assets 92.8 M
Cash & Short-Term Investments 41.1 M
Receivables 0
Other Current Assets 51.8 M
Non-Current Assets 2.29 B
Long-Term Investments 43.2 M
PP&E 16.3 M
Other Non-Current Assets 2.23 B
Current Liabilities 1.62 B
Accounts Payable 15.6 M
Short-Term Debt 0
Other Current Liabilities 1.6 B
Non-Current Liabilities 550 M
Long-Term Debt 194 M
Other Non-Current Liabilities 355 M
EFFICIENCY
Earnings Waterfall USCB Financial Holdings, Inc.
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Revenue 63.6 M
Cost Of Revenue -44.8 M
Gross Profit 108 M
Operating Expenses 32.8 M
Operating Income 30.8 M
Other Expenses 14.2 M
Net Income 16.5 M
RATIOS
170.46% GROSS MARGIN
170.46%
Averages
1Year 170.46%
3Years 123.49%
5Years 114.09%
7Years 0.00%
10Years 0.00%
48.36% OPERATING MARGIN
48.36%
Averages
1Year 48.36%
3Years 48.06%
5Years 40.54%
7Years 0.00%
10Years 0.00%
26.01% NET MARGIN
26.01%
Averages
1Year 26.01%
3Years 30.01%
5Years 27.01%
7Years 0.00%
10Years 0.00%
8.62% ROE
8.62%
Averages
1Year 8.62%
3Years 10.00%
5Years 8.56%
7Years 0.00%
10Years 0.00%
0.71% ROA
0.71%
Averages
1Year 0.71%
3Years 0.94%
5Years 0.86%
7Years 0.00%
10Years 0.00%
6.23% ROIC
6.23%
Averages
1Year 6.23%
3Years 9.21%
5Years 7.63%
7Years 0.00%
10Years 0.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis USCB Financial Holdings, Inc.
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Net Income 16.5 M
Depreciation & Amortization 590 K
Capital Expenditures -163 K
Stock-Based Compensation 1.01 M
Change in Working Capital -1.16 M
Others 572 K
Free Cash Flow 22.4 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets USCB Financial Holdings, Inc.
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USCB has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.05 USD DIVIDEND PER SHARE
5. COMPETITION

Oconee Federal Financial Corp. operates as a holding company for Oconee Federal Savings and Loan Association that provides various banking products and services in the Oconee County area of northwestern South Carolina and the northeast area of Georgia.

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42.2 USD
OFED
Undervalued 212.50%

William Penn Bancorporation operates as the holding company for William Penn Bank that provides retail and commercial banking products and related financial services in the United States.

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-2.82 USD
WMPN
Overvalued 121.73%

Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York.

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31.1 USD
PBHC
Undervalued 76.70%

Magyar Bancorp, Inc. operates as the holding company for Magyar Bank that provides various consumer and commercial banking services to individuals, businesses, and nonprofit organizations in New Jersey, the United States.

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7.59 USD
MGYR
Overvalued 41.05%

Cullman Bancorp, Inc. operates as the holding company for Cullman Savings Bank that provides various banking products and services. It offers checking, savings, and individual retirement accounts, as well as certificates of deposit accounts.

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8.08 USD
CULL
Overvalued 16.77%
6. Ownership
Insider Ownership USCB Financial Holdings, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
87.7 K USD 1
0-3 MONTHS
114 K USD 2
3-6 MONTHS
716 K USD 3
6-9 MONTHS
108 K USD 1
9-12 MONTHS
Date Value Insider Amount Avg Price
2 months ago
Sep 16, 2024
Bought 87.7 K USD
RODRIGUEZ RAMON A
Director
+ 6000
 14.61 USD
5 months ago
May 29, 2024
Bought 19.1 K USD
RODRIGUEZ RAMON A
Director
+ 1600
 11.96 USD
5 months ago
May 24, 2024
Bought 3.24 K USD
Anderson Robert B.
Executive VP and CFO
+ 271
 11.94 USD
5 months ago
May 23, 2024
Bought 84.8 K USD
Anderson Robert B.
Executive VP and CFO
+ 7000
 12.12 USD
6 months ago
May 16, 2024
Bought 6.38 K USD
Anderson Robert B.
Executive VP and CFO
+ 525
 12.15 USD
6 months ago
May 15, 2024
Bought 60.7 K USD
Anderson Robert B.
Executive VP and CFO
+ 5000
 12.13 USD
6 months ago
May 07, 2024
Bought 37.1 K USD
Anderson Robert B.
Executive VP and CFO
+ 3000
 12.38 USD
6 months ago
May 06, 2024
Bought 35.7 K USD
Anderson Robert B.
Executive VP and CFO
+ 3000
 11.91 USD
6 months ago
Apr 30, 2024
Bought 10.1 K USD
RODRIGUEZ RAMON A
Director
+ 900
 11.18 USD
6 months ago
May 01, 2024
Bought 11.3 K USD
Anderson Robert B.
Executive VP and CFO
+ 987
 11.48 USD
6 months ago
Apr 30, 2024
Bought 215 K USD
Anderson Robert B.
Executive VP and CFO
+ 19289
 11.14 USD
8 months ago
Mar 14, 2024
Bought 44.8 K USD
Anderson Robert B.
Executive VP and CFO
+ 4000
 11.21 USD
8 months ago
Mar 13, 2024
Bought 38.5 K USD
Anderson Robert B.
Executive VP and CFO
+ 3400
 11.3255 USD
1 year ago
Mar 15, 2023
Bought 65.9 K USD
ABADIN RAMON
Director
+ 5990
 11 USD
1 year ago
Sep 14, 2023
Bought 21.6 K USD
ABADIN RAMON
Director
+ 1990
 10.86 USD
1 year ago
Nov 29, 2022
Bought 33.4 K USD
ABADIN RAMON
Director
+ 2500
 13.36 USD
8 months ago
Mar 12, 2024
Bought 40.6 K USD
Anderson Robert B.
Executive VP and CFO
+ 3600
 11.29 USD
8 months ago
Feb 27, 2024
Bought 111 K USD
Feinglass Howard
director, 10 percent owner:
+ 10000
 11.0692 USD
9 months ago
Feb 13, 2024
Bought 112 K USD
Feinglass Howard
director, 10 percent owner:
+ 10000
 11.1841 USD
11 months ago
Dec 14, 2023
Bought 108 K USD
Anderson Robert B.
Executive VP and CFO
+ 8750
 12.35 USD
1 year ago
Oct 30, 2023
Bought 4.61 K USD
RODRIGUEZ RAMON A
Director
+ 450
 10.24 USD
1 year ago
Aug 16, 2023
Bought 35.5 K USD
RODRIGUEZ RAMON A
Director
+ 3050
 11.63 USD
1 year ago
May 10, 2023
Bought 65.6 K USD
Feinglass Howard
director, 10 percent owner:
+ 7300
 8.985 USD
1 year ago
May 09, 2023
Bought 45.8 K USD
Feinglass Howard
director, 10 percent owner:
+ 5100
 8.9869 USD
1 year ago
May 10, 2023
Bought 65.6 K USD
Feinglass Howard
director, 10 percent owner:
+ 7300
 8.985 USD
1 year ago
May 09, 2023
Bought 45.8 K USD
Feinglass Howard
director, 10 percent owner:
+ 5100
 8.9869 USD
1 year ago
May 02, 2023
Bought 28.5 K USD
Anderson Robert B.
Executive VP and CFO
+ 3000
 9.5 USD
1 year ago
Mar 08, 2023
Sell 0 USD
Feinglass Howard
director, 10 percent owner:
- 6314
 0 USD
1 year ago
Feb 13, 2023
Bought 39.2 K USD
ABADIN RAMON
Director
+ 3200
 12.26 USD
2 years ago
Jun 14, 2022
Bought 40.1 K USD
KAFAFIAN ROBERT E.
Director
+ 3300
 12.14 USD
2 years ago
Jun 14, 2022
Bought 20.3 K USD
KAFAFIAN ROBERT E.
Director
+ 1700
 11.95 USD
1 year ago
Feb 01, 2023
Bought 12.5 K USD
ALONSO MARIA C.
Director
+ 1000
 12.5 USD
1 year ago
Dec 12, 2022
Bought 19.8 K USD
BUSTLE NICHOLAS
EVP and Chief Lending Officer
+ 1550
 12.75 USD
1 year ago
Dec 09, 2022
Bought 9.82 K USD
BUSTLE NICHOLAS
EVP and Chief Lending Officer
+ 770
 12.75 USD
1 year ago
Dec 09, 2022
Bought 12.9 K USD
BUSTLE NICHOLAS
EVP and Chief Lending Officer
+ 1000
 12.89 USD
1 year ago
Nov 23, 2022
Bought 4.92 K USD
DE LA AGUILERA LUIS
President and CEO
+ 366
 13.44 USD
1 year ago
Nov 23, 2022
Bought 95 K USD
DE LA AGUILERA LUIS
President and CEO
+ 7034
 13.5 USD
1 year ago
Nov 21, 2022
Bought 53.6 K USD
Anderson Robert B.
Executive VP and CFO
+ 4000
 13.4 USD
7. News
USCB Financial Holdings, Inc. (USCB) Q3 2024 Earnings Call Transcript USCB Financial Holdings, Inc. (NASDAQ:USCB ) Q3 2024 Earnings Conference Call November 1, 2024 8:30 AM ET Company Participants Luis de la Aguilera - Chairman, President & CEO Rob Anderson - CFO Bill Turner - CCO Conference Call Participants Woody Lay - KBW Michael Rose - Raymond James Stephen Scouten - Piper Sandler Operator Good day, and welcome to the Third Quarter 2024 USCB Financial Holdings Inc. Earnings Conference Call. All participants will be in listen-only mode. seekingalpha.com - 2 weeks ago
USCB Financial Holdings, Inc. (USCB) Beats Q3 Earnings and Revenue Estimates USCB Financial Holdings, Inc. (USCB) came out with quarterly earnings of $0.35 per share, beating the Zacks Consensus Estimate of $0.32 per share. This compares to earnings of $0.19 per share a year ago. zacks.com - 2 weeks ago
USCB Financial Holdings, Inc. Reports Record Fully Diluted EPS of $0.35 for Q3 2024; ROAA of 1.11% and ROAE of 13.38% MIAMI, Oct. 31, 2024 (GLOBE NEWSWIRE) -- USCB Financial Holdings, Inc. (the “Company”) (NASDAQ: USCB), the holding company for U.S. Century Bank (the “Bank”), reported net income of $6.9 million or $0.35 per fully diluted share for the three months ended September 30, 2024, compared with net income of $3.8 million or $0.19 per fully diluted share for the same period in 2023. globenewswire.com - 2 weeks ago
USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common Stock MIAMI, Oct. 28, 2024 (GLOBE NEWSWIRE) -- USCB Financial Holdings, Inc. (the “Company”) (NASDAQ: USCB), the holding company for U.S. Century Bank, announced today that its Board of Directors declared a regular quarterly cash dividend of $0.05 per share of Class A common stock, payable on December 5, 2024, to shareholders of record as of the close of business on November 15, 2024. Future dividend payments are subject to quarterly review and approval by the Board of Directors. globenewswire.com - 2 weeks ago
USCB Financial Holdings, Inc. To Announce Third Quarter 2024 Results MIAMI, Oct. 07, 2024 (GLOBE NEWSWIRE) -- USCB FINANCIAL HOLDINGS, INC. (the “Company”) (NASDAQ: USCB) will report financial results for the quarter ended September 30, 2024 after the market closes on Thursday, October 31, 2024. globenewswire.com - 1 month ago
USCB Financial Holdings Inc (USCB) Shares Up 3.68% on Oct 2 Shares of USCB Financial Holdings Inc (USCB, Financial) surged 3.68% in mid-day trading on Oct 2. The stock reached an intraday high of $15.37, before settling at $15.20, up from its previous close of $14.66. gurufocus.com - 1 month ago
Bears are Losing Control Over USCB Financial (USCB), Here's Why It's a 'Buy' Now USCB Financial (USCB) appears to have found support after losing some value lately, as indicated by the formation of a hammer chart. In addition to this technical chart pattern, strong agreement among Wall Street analysts in revising earnings estimates higher enhances the stock's potential for a turnaround in the near term. zacks.com - 3 months ago
Earnings Estimates Rising for USCB Financial (USCB): Will It Gain? USCB Financial (USCB) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions. zacks.com - 3 months ago
USCB Financial Holdings, Inc. (USCB) Q2 2024 Earnings Call Transcript USCB Financial Holdings, Inc. (NASDAQ:USCB ) Q2 2024 Earnings Conference Call July 26, 2024 11:00 AM ET Company Participants Luis de la Aguilera - Chairman, President & CEO Rob Anderson - CFO Bill Turner - CCO Conference Call Participants Woody Lay - KBW Michael Rose - Raymond James Christopher Marinac - Janney Operator Good morning, and welcome to the USCB Financial Holdings, Inc. Second Quarter of 2024 Earnings Conference Call. All participants will be in a listen-only mode. seekingalpha.com - 3 months ago
USCB Financial Holdings, Inc. (USCB) Q2 Earnings and Revenues Top Estimates USCB Financial Holdings, Inc. (USCB) came out with quarterly earnings of $0.31 per share, beating the Zacks Consensus Estimate of $0.24 per share. This compares to earnings of $0.21 per share a year ago. zacks.com - 3 months ago
USCB Financial Holdings, Inc. Reports Record Fully Diluted EPS Since Going Public of $0.31 for Q2 2024 MIAMI, July 25, 2024 (GLOBE NEWSWIRE) -- USCB Financial Holdings, Inc. (the “Company”) (NASDAQ: USCB), the holding company for U.S. Century Bank (the “Bank”), reported net income of $6.2 million or $0.31 per fully diluted share for the three months ended June 30, 2024, compared with net income of $4.2 million or $0.21 per fully diluted share for the same period in 2023. globenewswire.com - 3 months ago
USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common Stock MIAMI, July 22, 2024 (GLOBE NEWSWIRE) -- USCB Financial Holdings, Inc. (the “Company”) (NASDAQ: USCB), the holding company for U.S. Century Bank (the “Bank”), announced today that its Board of Directors declared a regular quarterly cash dividend of $0.05 per share of Class A common stock, payable on September 5, 2024, to shareholders of record as of the close of business on August 15, 2024. Future dividend payments are subject to quarterly review and approval by the Board of Directors. globenewswire.com - 3 months ago
8. Profile Summary

USCB Financial Holdings, Inc. USCB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 394 M
Dividend Yield 0.00%
Description USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various banking products and services to small-to-medium sized businesses. The company accepts 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 and unsecured consumer loans comprising personal loans, overdrafts, and deposit account collateralized loans. The company also offers treasury, commercial payments, cash management, and online banking services. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida.
Contact 2301 NW 87th Avenue, Miami, FL, 33172 https://www.uscentury.com
IPO Date July 23, 2021
Employees 198
Officers Mr. Oscar Gomez Executive Vice President & Head of Global Banking Division Mr. William Turner Executive Vice President & Chief Credit Officer Ms. Maricarmen Logrono Executive Vice President, Chief Risk Officer & Corporate Secretary Ms. Jessica Goldberg Senior Vice President & Human Resources Director Mr. Nicholas G. Bustle Executive Vice President & Chief Corporate Lending Officer Mr. Robert B. Anderson CPA Executive Vice President & Chief Financial Officer Ms. Martha Guerra-Kattou Executive Vice President and Director of Sales & Marketing Mr. Luis F. de la Aguilera President, Chief Executive Officer & Chairman Mr. Andres L. Collazo Executive Vice President and Director of Operations & Information Technology Systems Mr. Roberto Diaz CPA Senior Vice President, Controller & Chief Accounting Officer