Should I buy or sell USCB Financial stock right now?

4 Wall Street research analysts have issued "buy," "hold," and "sell" ratings for USCB Financial in the last twelve months. There are currently 2 hold ratings and 2 buy ratings for the stock. The consensus among Wall Street research analysts is that investors should "moderate buy" USCB shares. View USCB analyst ratings or view top-rated stocks .

What is USCB Financial's stock price target for 2024?

4 analysts have issued 1-year price objectives for USCB Financial's shares. Their USCB share price targets range from $12.00 to $15.00. On average, they predict the company's share price to reach $13.33 in the next year. This suggests a possible upside of 25.2% from the stock's current price. View analysts price targets for USCB or view top-rated stocks among Wall Street analysts .

How have USCB shares performed in 2024?

USCB Financial's stock was trading at $12.25 at the beginning of 2024. Since then, USCB shares have decreased by 13.1% and is now trading at $10.65. View the best growth stocks for 2024 here .

Are investors shorting USCB Financial?

USCB Financial saw a drop in short interest in the month of March. As of March 31st, there was short interest totaling 38,300 shares, a drop of 30.6% from the March 15th total of 55,200 shares. Based on an average trading volume of 16,600 shares, the short-interest ratio is currently 2.3 days. Currently, 0.4% of the company's shares are sold short. View USCB Financial's Short Interest .

When is USCB Financial's next earnings date?

The company is scheduled to release its next quarterly earnings announcement on Thursday, April 25th 2024. View our USCB earnings forecast .

How can I listen to USCB Financial's earnings call?

USCB Financial will be holding an earnings conference call on Friday, April 26th at 11:00 AM Eastern. Interested parties can register for or listen to the call using this link .

How were USCB Financial's earnings last quarter?

USCB Financial Holdings, Inc. (NASDAQ:USCB) posted its quarterly earnings results on Thursday, January, 25th. The company reported $0.17 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.22 by $0.05. The business had revenue of $15.70 million for the quarter, compared to analyst estimates of $17.31 million. USCB Financial had a net margin of 15.26% and a trailing twelve-month return on equity of 9.28%.

How often does USCB Financial pay dividends? What is the dividend yield for USCB Financial?

USCB Financial declared a quarterly dividend on Monday, January 22nd. Shareholders of record on Thursday, February 15th will be given a dividend of $0.05 per share on Tuesday, March 5th. This represents a $0.20 annualized dividend and a dividend yield of 1.88%. The ex-dividend date is Wednesday, February 14th. Read our dividend analysis for USCB .

Is USCB Financial a good dividend stock?

USCB Financial (NASDAQ:USCB) pays an annual dividend of $0.20 per share and currently has a dividend yield of 1.90%. The dividend payout ratio is 24.10%. This payout ratio is at a healthy, sustainable level, below 75%. Based on earnings estimates, USCB will have a dividend payout ratio of 16.81% next year. This indicates that the company will be able to sustain or increase its dividend. Read our dividend analysis for USCB .

When did USCB Financial IPO?

USCB Financial (USCB) raised $40 million in an initial public offering on Friday, July 23rd 2021. The company issued 3,600,000 shares at $10.00-$12.50 per share. Keefe, Bruyette & Woods (a Stifel company) acted as the underwriter for the IPO and Raymond James & Associates and Piper Sandler & Co. ar were co-managers.

How do I buy shares of USCB Financial?

Shares of USCB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. Compare Top Brokerages Here .

NASDAQ:USCB

USCB Financial (USCB) Stock Price, News & Analysis

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$10.65

+0.25 (+2.40%)

(As of 04/19/2024 ET)

Compare

Today's Range: $10.36
▼
$10.65
50-Day Range: $10.36
▼
$11.45
52-Week Range: $8.56
▼
$12.97

Volume: 10,274 shs
Average Volume: 21,900 shs
Market Capitalization: $209.27 million

P/E Ratio: 12.83
Dividend Yield: 1.88%
Price Target: $13.33

Get USCB Financial alerts:

USCB Financial MarketRank™ Stock Analysis

Analyst Rating: Moderate Buy
2.50 Rating Score
Upside/Downside: 25.2% Upside
$13.33 Price Target
Short Interest: Healthy
0.37% of Float Sold Short
Dividend Strength: Moderate
Based on Four Factors
Sustainability: N/A
News Sentiment: N/A
Insider Trading: Acquiring Shares
$196,184 Bought Last Quarter
Proj. Earnings Growth: 25.26%
From $0.95 to $1.19 Per Share

Overall MarketRank^™

New Rank-Based ScoringMarketRank^™ is calculated by averaging available category scores (with extra weight given to analysis and valuation), then ranking the company's weighted average against that of other companies.

4.73 out of 5 stars

Finance Sector

99th out of 845 stocks

State Commercial Banks Industry

27th out of 175 stocks

3.3

Analyst's Opinion

Consensus Rating
USCB Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 2 buy ratings, 2 hold ratings, and no sell ratings.
Amount of Analyst Coverage
USCB Financial has only been the subject of 2 research reports in the past 90 days.

5.0

Short Interest

Percentage of Shares Shorted
0.37% of the float of USCB Financial has been sold short.
Short Interest Ratio / Days to Cover
USCB Financial has a short interest ratio ("days to cover") of 2.3, which is generally considered an acceptable ratio of short interest to trading volume.
Change versus previous month
Short interest in USCB Financial has recently decreased by 30.62%, indicating that investor sentiment is improving significantly.

2.5

Dividend Strength

Dividend Yield
USCB Financial pays a meaningful dividend of 1.90%, higher than the bottom 25% of all stocks that pay dividends.
Dividend Growth
USCB Financial does not have a long track record of dividend growth.
Dividend Coverage
The dividend payout ratio of USCB Financial is 24.10%. This payout ratio is at a healthy, sustainable level, below 75%.
Dividend Sustainability
Based on earnings estimates, USCB Financial will have a dividend payout ratio of 16.81% next year. This indicates that USCB Financial will be able to sustain or increase its dividend.

N/A

Sustainability and ESG

Overall ESG (Environmental, Social, and Governance) Score
There is no current Upright™ data available for USCB.

1.5

News and Social Media Coverage

News Sentiment
USCB Financial has a news sentiment score of 0.63. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.
News Coverage This Week
MarketBeat has tracked 1 news article for USCB Financial this week, compared to 1 article on an average week.

5.0

Company Ownership

Insider Buying vs. Insider Selling
In the past three months, USCB Financial insiders have bought more of their company's stock than they have sold. Specifically, they have bought $196,184.00 in company stock and sold $0.00 in company stock.
Percentage Held by Insiders
48.10% of the stock of USCB Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.
Percentage Held by Institutions
61.34% of the stock of USCB Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

3.1

Earnings and Valuation

Earnings Growth
Earnings for USCB Financial are expected to grow by 25.26% in the coming year, from $0.95 to $1.19 per share.
Price to Earnings Ratio vs. the Market
The P/E ratio of USCB Financial is 12.83, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 145.47.
Price to Earnings Ratio vs. Sector
The P/E ratio of USCB Financial is 12.83, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 61.53.
Price to Book Value per Share Ratio
USCB Financial has a P/B Ratio of 1.08. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

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About USCB Financial Stock (NASDAQ:USCB)

USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that engages in the provision of various personal and business banking products and services in the United States. It accepts various deposit products, including commercial and consumer checking, money market deposit, savings, and time deposit accounts, as well as certificates of deposit. It also offers loan products, such as small business administration loans, yacht financing, residential and commercial real estate loans; commercial and industrial loans; foreign bank loans; and secured and unsecured consumer loans comprising personal loans, overdrafts, and deposit account collateralized loans. The company also offers lockbox, treasury, commercial payments, cash management, and online banking services, as well as provides title insurance policies for real estate transactions. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida.

USCB Stock Price History

30 days | 90 days | 365 days | Advanced Chart

USCB Stock News Headlines

April 18, 2024 | americanbankingnews.com

USCB Financial (USCB) Set to Announce Quarterly Earnings on Thursday

April 11, 2024 | markets.businessinsider.com

USCB Financial Holdings Inc Registered Shs -A- hosts conference call for investors

April 19, 2024 | Crypto 101 Media (Ad)

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April 5, 2024 | globenewswire.com

USCB Financial Holdings, Inc. to Announce First Quarter 2024 Results

March 26, 2024 | markets.businessinsider.com

Analysts Offer Insights on Financial Companies: Trustmark (TRMK) and Columbia Financial (CLBK)

March 16, 2024 | finance.yahoo.com

Insider Spends US$83k Buying More Shares In USCB Financial Holdings

March 11, 2024 | msn.com

Heritage Classic Foundation awards 11 scholarships to area seniors

February 24, 2024 | msn.com

USCB Financial Holdings (USCB) Price Target Increased by 7.92% to 13.90

April 19, 2024 | Crypto 101 Media (Ad)

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February 10, 2024 | 247wallst.com

The County With the Highest Poverty Rate in Every State

January 29, 2024 | msn.com

U.S. Century Bank declares $0.05 dividend

January 29, 2024 | marketwatch.com

USCB Financial Holdings Declares Initial Dividend of 5 Cents

January 29, 2024 | finance.yahoo.com

USCB Financial Holdings, Inc. Initiates Quarterly Cash Dividend Program and Announces Declaration of First Cash Dividend

January 25, 2024 | benzinga.com

Recap: USCB Financial Holdings Q4 Earnings

January 25, 2024 | finance.yahoo.com

USCB Financial Holdings, Inc. Reports Diluted EPS of $0.14 for Q4 2023

January 25, 2024 | finance.yahoo.com

USCB Financial Holdings Inc Reports Mixed Results Amid Economic Headwinds

January 25, 2024 | markets.businessinsider.com

Analysts Offer Insights on Financial Companies: United Community Banks (UCBI), Bok Financial (BOKF) and Blue Foundry (BLFY)

January 24, 2024 | benzinga.com

Earnings Outlook For USCB Financial Holdings

January 24, 2024 | markets.businessinsider.com

USCB Financial A earnings: here's what Wall Street expects

January 22, 2024 | wnewsj.com

Blanchester resident graduates from USCB

January 5, 2024 | finance.yahoo.com

USCB Financial Holdings, Inc. To Announce Fourth Quarter 2023 Results

January 3, 2024 | bizjournals.com

Miami judge rules in favor of local bank over former directors/shareholders lawsuit

December 16, 2023 | finance.yahoo.com

Executive VP and CFO Robert Anderson Buys 8,750 Shares of USCB Financial Holdings Inc

December 16, 2023 | finance.yahoo.com

USCB Financial Holdings Executive VP & CFO Acquires 35% More Stock

December 16, 2023 | finance.yahoo.com

Positive Signs As Multiple Insiders Buy USCB Financial Holdings Stock

December 7, 2023 | finance.yahoo.com

U.S. Century Bank Names William Turner New Executive Vice President and Chief Credit Officer

November 2, 2023 | finance.yahoo.com

USCB Financial Holdings, Inc. Announces Retirement of Chief Credit Officer, Benigno Pazos; Announces the Departure of Jay Shehadeh, General Counsel; Promotes Maricarmen Logroño to Chief Risk Officer

See More Headlines

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Company Calendar

Last Earnings: 1/25/2024
Ex-Dividend for 3/5 Dividend: 2/14/2024
Dividend Payable: 3/05/2024
Today: 4/19/2024
Next Earnings (Confirmed): 4/25/2024
Fiscal Year End: 12/31/2024

Get Stock Alerts

Industry, Sector and Symbol

Stock Exchange: NASDAQ
Sector: Finance
Industry: State commercial banks
Sub-Industry: N/A
Current Symbol: NASDAQ:USCB
CUSIP: N/A
CIK: 1901637
Web: www.uscentury.com
Phone: 305-715-5200
Fax: N/A
Employees: 196
Year Founded: N/A

Price Target and Rating

Average Stock Price Target: $13.33
High Stock Price Target: $15.00
Low Stock Price Target: $12.00
Potential Upside/Downside: +25.2%
Consensus Rating: Moderate Buy
Rating Score (0-4): 2.50
Research Coverage: 4 Analysts

Profitability

EPS (Most Recent Fiscal Year): $0.83
Trailing P/E Ratio: 12.83
Forward P/E Ratio: 11.21
P/E Growth: N/A
Net Income: $16.55 million
Net Margins: 15.26%
Pretax Margin: 20.10%
Return on Equity: 9.28%
Return on Assets: 0.77%

Debt

Debt-to-Equity Ratio: 0.95
Current Ratio: 0.93
Quick Ratio: 0.93

Sales & Book Value

Annual Sales: $108.42 million
Price / Sales: 1.93
Cash Flow: $0.91 per share
Price / Cash Flow: 11.69
Book Value: $9.82 per share
Price / Book: 1.08

Miscellaneous

Outstanding Shares: 19,650,000
Free Float: 10,198,000
Market Cap: $209.27 million
Optionable: Not Optionable
Beta: 0.35

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Key Executives

Mr. Luis F. de la Aguilera (Age 63)
President, CEO & Chairman
Comp: $892.59k
Mr. Robert B. Anderson CPA (Age 58)
Executive VP & CFO
Comp: $532.24k
Mr. Andres L. Collazo (Age 60)
Executive VP and Director of Operations & Information Technology Systems
Mr. Roberto Diaz CPA
Senior VP, Controller & Chief Accounting Officer
Ms. Martha Guerra-Kattou (Age 55)
Executive VP & Director of Sales & Marketing
Ms. Jessica Goldberg
Senior VP & Human Resources Director
Mr. Oscar Gomez (Age 69)
Executive VP & Head of Global Banking Division
Ms. Maricarmen Logrono
Executive VP & Chief Risk Officer
Mr. William Turner
Executive VP & Chief Credit Officer
Mr. Nicholas G. Bustle (Age 61)
Executive VP & Chief Lending Officer

Key Competitors

View All Competitors

Insiders & Institutions

View All Insider Transactions
View All Institutional Transactions

USCB Stock Analysis - Frequently Asked Questions

Should I buy or sell USCB Financial stock right now?: 4 Wall Street research analysts have issued "buy," "hold," and "sell" ratings for USCB Financial in the last twelve months. There are currently 2 hold ratings and 2 buy ratings for the stock. The consensus among Wall Street research analysts is that investors should "moderate buy" USCB shares.
View USCB analyst ratings or view top-rated stocks.
What is USCB Financial's stock price target for 2024?: 4 analysts have issued 1-year price objectives for USCB Financial's shares. Their USCB share price targets range from $12.00 to $15.00. On average, they predict the company's share price to reach $13.33 in the next year. This suggests a possible upside of 25.2% from the stock's current price.
View analysts price targets for USCB or view top-rated stocks among Wall Street analysts.
How have USCB shares performed in 2024?: USCB Financial's stock was trading at $12.25 at the beginning of 2024. Since then, USCB shares have decreased by 13.1% and is now trading at $10.65.
View the best growth stocks for 2024 here.
Are investors shorting USCB Financial?: USCB Financial saw a drop in short interest in the month of March. As of March 31st, there was short interest totaling 38,300 shares, a drop of 30.6% from the March 15th total of 55,200 shares. Based on an average trading volume of 16,600 shares, the short-interest ratio is currently 2.3 days. Currently, 0.4% of the company's shares are sold short.
View USCB Financial's Short Interest.
When is USCB Financial's next earnings date?: The company is scheduled to release its next quarterly earnings announcement on Thursday, April 25th 2024.
View our USCB earnings forecast.
How can I listen to USCB Financial's earnings call?: USCB Financial will be holding an earnings conference call on Friday, April 26th at 11:00 AM Eastern. Interested parties can register for or listen to the call using this link.

How were USCB Financial's earnings last quarter?: USCB Financial Holdings, Inc. (NASDAQ:USCB) posted its quarterly earnings results on Thursday, January, 25th. The company reported $0.17 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.22 by $0.05. The business had revenue of $15.70 million for the quarter, compared to analyst estimates of $17.31 million. USCB Financial had a net margin of 15.26% and a trailing twelve-month return on equity of 9.28%.
How often does USCB Financial pay dividends? What is the dividend yield for USCB Financial?: USCB Financial declared a quarterly dividend on Monday, January 22nd. Shareholders of record on Thursday, February 15th will be given a dividend of $0.05 per share on Tuesday, March 5th. This represents a $0.20 annualized dividend and a dividend yield of 1.88%. The ex-dividend date is Wednesday, February 14th.
Read our dividend analysis for USCB.
Is USCB Financial a good dividend stock?: USCB Financial (NASDAQ:USCB) pays an annual dividend of $0.20 per share and currently has a dividend yield of 1.90%. The dividend payout ratio is 24.10%. This payout ratio is at a healthy, sustainable level, below 75%. Based on earnings estimates, USCB will have a dividend payout ratio of 16.81% next year. This indicates that the company will be able to sustain or increase its dividend.
Read our dividend analysis for USCB.
When did USCB Financial IPO?: USCB Financial (USCB) raised $40 million in an initial public offering on Friday, July 23rd 2021. The company issued 3,600,000 shares at $10.00-$12.50 per share. Keefe, Bruyette & Woods (a Stifel company) acted as the underwriter for the IPO and Raymond James & Associates and Piper Sandler & Co. ar were co-managers.
How do I buy shares of USCB Financial?: Shares of USCB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

This page (NASDAQ:USCB) was last updated on 4/19/2024 by MarketBeat.com Staff

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USCB Financial (USCB) Stock Price, News & Analysis

USCB Financial MarketRank™ Stock Analysis

Overall MarketRank™

Analyst's Opinion

Short Interest

Percentage of Shares Shorted

Short Interest Ratio / Days to Cover

Change versus previous month

Dividend Strength

Sustainability and ESG

Overall ESG (Environmental, Social, and Governance) Score

News and Social Media Coverage

News Sentiment

News Coverage This Week

Company Ownership

Earnings and Valuation

About USCB Financial Stock (NASDAQ:USCB)

USCB Stock Price History

USCB Stock News Headlines

Company Calendar

Industry, Sector and Symbol

Price Target and Rating

Profitability

Debt

Sales & Book Value

Miscellaneous

Key Executives

Key Competitors

Insiders & Institutions

USCB Stock Analysis - Frequently Asked Questions

Overall MarketRank^™