NASDAQ:USCB USCB Financial (USCB) Stock Price, News & Analysis → Trump’s “Tax Free” Retirement Strategy (From Gold Safe Exchange) (Ad) Free USCB Stock Alerts $11.45 +0.21 (+1.87%) (As of 12:50 PM ET) Add Compare Share Share Today's Range$11.18▼$11.4550-Day Range$10.85▼$12.3652-Week Range$8.56▼$12.97Volume2,203 shsAverage Volume20,282 shsMarket Capitalization$223.73 millionP/E Ratio13.80Dividend Yield1.75%Price Target$13.33 Stock AnalysisStock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestSocial MediaStock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestSocial Media Get USCB Financial alerts: Email Address USCB Financial MarketRank™ Stock AnalysisAnalyst RatingModerate Buy2.50 Rating ScoreUpside/Downside18.6% Upside$13.33 Price TargetShort InterestHealthy0.54% of Float Sold ShortDividend StrengthModerateBased on Four FactorsSustainabilityN/ANews Sentiment0.94Based on 2 Articles This WeekInsider TradingAcquiring Shares$196,184 Bought Last QuarterProj. Earnings Growth25.26%From $0.95 to $1.19 Per ShareSee Full Details Hide Full Details 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.4.47 out of 5 starsFinance Sector316th out of 859 stocksState Commercial Banks Industry66th out of 182 stocks 2.3 Analyst's Opinion Consensus RatingUSCB 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.Price Target Upside/DownsideAccording to analysts' consensus price target of $13.33, USCB Financial has a forecasted upside of 18.6% from its current price of $11.24.Amount of Analyst CoverageUSCB Financial has only been the subject of 2 research reports in the past 90 days. Previous Next 3.0 Short Interest Percentage of Shares Shorted0.54% of the float of USCB Financial has been sold short.Short Interest Ratio / Days to CoverUSCB Financial has a short interest ratio ("days to cover") of 2.1, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in USCB Financial has recently increased by 12.88%, indicating that investor sentiment is decreasing significantly. Previous Next 2.5 Dividend Strength Dividend YieldUSCB Financial pays a meaningful dividend of 1.80%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthUSCB Financial does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of USCB Financial is 24.10%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased 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. Previous Next N/A Sustainability and ESG Overall ESG (Environmental, Social, and Governance) ScoreThere is no current Upright™ data available for USCB. Previous Next 3.3 News and Social Media Coverage News SentimentUSCB Financial has a news sentiment score of 0.94. 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 is a higher news sentiment than the 0.61 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 2 news articles for USCB Financial this week, compared to 1 article on an average week.MarketBeat Follows1 people have added USCB Financial to their MarketBeat watchlist in the last 30 days. Previous Next 5.0 Company Ownership Insider Buying vs. Insider SellingIn 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 Insiders48.10% 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 Institutions61.34% of the stock of USCB Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company. Previous Next 3.1 Earnings and Valuation Earnings GrowthEarnings 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 MarketThe P/E ratio of USCB Financial is 13.54, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 136.36.Price to Earnings Ratio vs. SectorThe P/E ratio of USCB Financial is 13.54, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 58.07.Price to Book Value per Share RatioUSCB Financial has a P/B Ratio of 1.23. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities. Previous Next See Top Rated MarketRank™ Stocks Here Ad Gold Safe ExchangeTrump’s “Tax Free” Retirement Strategy Since 1924 — over one hundred years — the US dollar has lost nearly 18x its value. In other words, a dollar back then would buy $17.82 worth of goods in today's money. If you're planning on retiring any time soon…This poses a real problem.Protect your retirement savings from the inevitable devaluation of the dollar… 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 banking products and services to small-to-medium sized businesses. The company accepts checking and savings accounts, certificates of deposit, and money market deposit and time deposit accounts. Its loan products include small business administration loans, yacht financing, residential real estate loans; 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.Read More USCB Stock Price History View Price History Chart DataSkip Price History Chart 30 days | 90 days | 365 days | Advanced Chart USCB Stock News HeadlinesMarch 15, 2024 | insidertrades.comUSCB Financial Holdings, Inc. (NASDAQ:USCB) CFO Purchases $44,840.00 in StockMarch 13, 2024 | insidertrades.comUSCB Financial Holdings, Inc. (NASDAQ:USCB) CFO Robert B. Anderson Purchases 3,600 SharesMarch 28, 2024 | Gold Safe Exchange (Ad)Trump’s “Tax Free” Retirement Strategy Since 1924 — over one hundred years — the US dollar has lost nearly 18x its value. In other words, a dollar back then would buy $17.82 worth of goods in today's money. If you're planning on retiring any time soon…This poses a real problem.March 26, 2024 | markets.businessinsider.comAnalysts Offer Insights on Financial Companies: Trustmark (TRMK) and Columbia Financial (CLBK)March 19, 2024 | americanbankingnews.comHead-To-Head Survey: USCB Financial (NASDAQ:USCB) and Peoples Bancorp of North Carolina (NASDAQ:PEBK)March 16, 2024 | finance.yahoo.comInsider Spends US$83k Buying More Shares In USCB Financial HoldingsMarch 11, 2024 | msn.comHeritage Classic Foundation awards 11 scholarships to area seniorsFebruary 24, 2024 | msn.comUSCB Financial Holdings (USCB) Price Target Increased by 7.92% to 13.90March 28, 2024 | Gold Safe Exchange (Ad)Trump’s “Tax Free” Retirement Strategy Since 1924 — over one hundred years — the US dollar has lost nearly 18x its value. In other words, a dollar back then would buy $17.82 worth of goods in today's money. If you're planning on retiring any time soon…This poses a real problem.February 10, 2024 | 247wallst.comThe County With the Highest Poverty Rate in Every StateJanuary 29, 2024 | msn.comU.S. Century Bank declares $0.05 dividendJanuary 29, 2024 | marketwatch.comUSCB Financial Holdings Declares Initial Dividend of 5 CentsJanuary 29, 2024 | finance.yahoo.comUSCB Financial Holdings, Inc. Initiates Quarterly Cash Dividend Program and Announces Declaration of First Cash DividendJanuary 25, 2024 | benzinga.comRecap: USCB Financial Holdings Q4 EarningsJanuary 25, 2024 | finance.yahoo.comUSCB Financial Holdings, Inc. Reports Diluted EPS of $0.14 for Q4 2023January 25, 2024 | finance.yahoo.comUSCB Financial Holdings Inc Reports Mixed Results Amid Economic HeadwindsJanuary 25, 2024 | markets.businessinsider.comAnalysts Offer Insights on Financial Companies: United Community Banks (UCBI), Bok Financial (BOKF) and Blue Foundry (BLFY)January 24, 2024 | benzinga.comEarnings Outlook For USCB Financial HoldingsJanuary 24, 2024 | markets.businessinsider.comUSCB Financial A earnings: here's what Wall Street expectsJanuary 22, 2024 | wnewsj.comBlanchester resident graduates from USCBJanuary 5, 2024 | finance.yahoo.comUSCB Financial Holdings, Inc. To Announce Fourth Quarter 2023 ResultsJanuary 3, 2024 | bizjournals.comMiami judge rules in favor of local bank over former directors/shareholders lawsuitDecember 16, 2023 | finance.yahoo.comExecutive VP and CFO Robert Anderson Buys 8,750 Shares of USCB Financial Holdings IncDecember 16, 2023 | finance.yahoo.comUSCB Financial Holdings Executive VP & CFO Acquires 35% More StockDecember 16, 2023 | finance.yahoo.comPositive Signs As Multiple Insiders Buy USCB Financial Holdings StockDecember 7, 2023 | finance.yahoo.comU.S. Century Bank Names William Turner New Executive Vice President and Chief Credit OfficerNovember 2, 2023 | finance.yahoo.comUSCB 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 OfficerSee More Headlines Receive USCB Stock News and Ratings via Email Sign-up to receive the latest news and ratings for USCB Financial and its competitors with MarketBeat's FREE daily newsletter. Email Address Company Calendar Last Earnings1/25/2024Ex-Dividend for 3/5 Dividend2/14/2024Dividend Payable3/05/2024Today3/28/2024Next Earnings (Estimated)4/25/2024Fiscal Year End12/31/2024Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry State commercial banks Sub-IndustryN/A Current SymbolNASDAQ:USCB CUSIPN/A CIK1901637 Webwww.uscentury.com Phone305-715-5200FaxN/AEmployees196Year FoundedN/APrice Target and Rating Average Stock Price Target$13.33 High Stock Price Target$15.00 Low Stock Price Target$12.00 Potential Upside/Downside+16.4%Consensus RatingModerate Buy Rating Score (0-4)2.50 Research Coverage4 Analysts Profitability EPS (Most Recent Fiscal Year)$0.83 Trailing P/E Ratio13.80 Forward P/E Ratio12.05 P/E GrowthN/ANet Income$16.55 million Net Margins15.26% Pretax Margin20.10% Return on Equity9.28% Return on Assets0.77% Debt Debt-to-Equity Ratio0.95 Current Ratio0.93 Quick Ratio0.87 Sales & Book Value Annual Sales$108.42 million Price / Sales2.06 Cash Flow$0.92 per share Price / Cash Flow12.38 Book Value$9.12 per share Price / Book1.26Miscellaneous Outstanding Shares19,540,000Free Float10,142,000Market Cap$223.73 million OptionableNot Optionable Beta0.34 Elon Musk's Next MoveWondering when you'll finally be able to invest in SpaceX, StarLink, or The Boring Company? Click the link below to learn when Elon Musk will let these companies finally IPO.Get This Free Report Key ExecutivesMr. Luis F. de la Aguilera (Age 63)President, CEO & Chairman Comp: $892.59kMr. Robert B. Anderson CPA (Age 58)Executive VP & CFO Comp: $532.24kMr. Andres L. Collazo (Age 60)Executive VP and Director of Operations & Information Technology Systems Mr. Roberto Diaz CPASenior VP, Controller & Chief Accounting OfficerMs. Martha Guerra-Kattou (Age 55)Executive VP & Director of Sales & Marketing Ms. Jessica GoldbergSenior VP & Human Resources DirectorMr. Oscar Gomez (Age 69)Executive VP & Head of Global Banking Division Ms. Maricarmen LogronoExecutive VP & Chief Risk OfficerMr. William TurnerExecutive VP & Chief Credit OfficerMr. Nicholas G. Bustle (Age 61)Executive VP & Chief Lending Officer More ExecutivesKey CompetitorsFVCBankcorpNASDAQ:FVCBNorwood FinancialNASDAQ:NWFLSouthern States BancsharesNASDAQ:SSBKCentral Valley Community BancorpNASDAQ:CVCYCitizens Financial ServicesNASDAQ:CZFSView All CompetitorsInsiders & InstitutionsRobert B AndersonBought 4,000 shares on 3/14/2024Total: $44,840.00 ($11.21/share)Robert B AndersonBought 3,600 shares on 3/12/2024Total: $40,644.00 ($11.29/share)Vanguard Group Inc.Bought 8,207 shares on 3/11/2024Ownership: 1.937%Goldman Sachs Group Inc.Bought 16,649 shares on 3/1/2024Ownership: 0.085%Howard FeinglassBought 10,000 shares on 2/27/2024Total: $110,700.00 ($11.07/share)View All Insider TransactionsView 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 brokers have issued twelve-month price targets 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 18.6% 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 on January 1st, 2024. Since then, USCB shares have decreased by 8.2% and is now trading at $11.24. View the best growth stocks for 2024 here. 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 were USCB Financial's earnings last quarter? USCB Financial Holdings, Inc. (NASDAQ:USCB) announced its quarterly earnings data on Thursday, January, 25th. The company reported $0.17 EPS for the quarter, missing analysts' consensus estimates of $0.22 by $0.05. The firm earned $15.70 million during the quarter, compared to the consensus estimate 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. Investors of record on Thursday, February 15th will be paid a dividend of $0.05 per share on Tuesday, March 5th. This represents a $0.20 dividend on an annualized basis and a dividend yield of 1.78%. The ex-dividend date of this dividend 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 1.80%. 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 a price of $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. Who are USCB Financial's major shareholders? USCB Financial's stock is owned by a number of institutional and retail investors. Top institutional investors include Mendon Capital Advisors Corp (4.31%), RMB Capital Management LLC (3.56%), Pacific Ridge Capital Partners LLC (2.34%), Vanguard Group Inc. (1.94%), Vanguard Group Inc. (1.94%) and Basswood Capital Management L.L.C. (1.26%). Insiders that own company stock include Howard Feinglass, Ramon A Rodriguez and Robert B Anderson. View institutional ownership trends. 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. 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