USCB
USCB Financial Holdings, Inc.
USCB's fundamentals are mixed: revenue grew 4.2%, but its operating margin fell 4 points to 40%. At 13x earnings, it's trading in line with its usual 13x. Analysts expect earnings to hold roughly steady.
USCB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
USCB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like USCB.
USCB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 9.8x | $20.13 | — |
| Cheap | 11x | $18.10 | -10% |
| Fair | 13x | $20.88 | +3.7% |
| Current | 13x | $20.13 | — |
| Expensive | 17x | $26.97 | +34% |
Historical ranges are pointers, not guarantees.
USCB's PE is in its fair range at 13x. On analysts' estimates for next year's earnings, today's price would be 9.8x, in its cheap range.
USCB Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Stable | |
| Growth | |
| Weakening | |
| Limited | |
| Moderate |
Analysts expect USCB's revenue to grow, but its profitability to weaken.
USCB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.05 | +27% |
| Q3 2026 | $1.61 | +1.9% |
| Q2 2026 | $1.55 | +4.7% |
| Q1 2026 | $1.46 | +5% |
| Q4 2025 | $1.33 | +7.3% |
| Q3 2025 | $1.58 | +52% |
| Q2 2025 | $1.48 | +68% |
| Q1 2025 | $1.39 | +78% |
| Q4 2024 | $1.24 | +48% |
USCB's earnings per share have climbed steadily: $1.61 over the past year, up 1.9% from the year before, and higher year over year for nine quarters in a row.
USCB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $27M | +8.1% |
| Q2 2026 | $27.9M | +15% |
| Q1 2026 | $26.2M | +15% |
| Q4 2025 | $18M | -22% |
| Q3 2025 | $25M | +16% |
| Q2 2025 | $24.4M | +19% |
| Q1 2025 | $22.8M | +30% |
| Q4 2024 | $23M | +46% |
USCB's revenue is growing: $27M last quarter, up 8.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 45% | -2.1 points |
| Q2 2026 | 45% | +1.5 points |
| Q1 2026 | 45% | +0.4 points |
| Q4 2025 | 18% | -21 points |
| Q3 2025 | 47% | +4.8 points |
| Q2 2025 | 44% | +4.2 points |
| Q1 2025 | 44% | +10 points |
| Q4 2024 | 40% | +17 points |
USCB's operating margin was 45% last quarter, down 2.1 points from the same quarter a year ago.
USCB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $13.9M | -30% |
| Q2 2026 | $24.2M | +35% |
| Q1 2026 | $15M | +2.6% |
| Q4 2025 | -$10.1M | -$7M |
| Q3 2025 | $20M | +80% |
| Q2 2025 | $18M | +1% |
| Q1 2025 | $14.6M | +84% |
| Q4 2024 | -$3.1M | +$2.9M |
USCB's free cash flow was $43M over the past year, down 13% from the year before. Free cash flow isn't a meaningful measure for financial services companies like USCB.
USCB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -88.3K shares |
| 1 year | +1.5% | +276K shares |
| 3 years | -5.9% | -1.2M shares |
USCB has 18M diluted shares, up 1.5% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $1M |
| Q4 2025 | — |
| Q3 2025 | $34.4M |
| Q2 2025 | — |
| Q1 2025 | $174,000 |
| Q4 2024 | — |
USCB spent $1M buying back its own shares over the past year, down 97% from the year before.
USCB Net Leverage
USCB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.9 | Neutral |
| Stochastic | 14.9 | Oversold |
USCB's weekly RSI is 44 (neutral) and its Stochastic is 15 (oversold).
USCB PE vs Financial Services Sector
| Metric | USCB | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 4% below |
| PE % | 43 | 66 | 23 pts below |
USCB is trading at 13x earnings, in line with the Financial Services sector's median of 13x.
USCB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $21.2 | 4.9% below |
| 20 week MA | $21.7 | 7.1% below |
| 50 week MA | $20.1 | 0.3% above |
| 100 week MA | $18.7 | 7.4% above |
| 200 week MA | $15.6 | 29% above |
USCB has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 29% above its 200-week average.
USCB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $10.8 | $14.6 | +35% |
| 2022 | $14.6 | $12.5 | -15% |
| 2023 | $12.5 | $12.3 | -1.7% |
| 2024 | $12.3 | $17.7 | +45% |
| 2025 | $17.7 | $18.7 | +5.8% |
| 2026 YTD | $18.7 | $20.1 | +7.5% |
USCB has finished higher in three of the last five years. It's up 7.5% so far in 2026.