NASDAQ:USCB USCB Financial (USCB) Stock Price, News & Analysis → Better than Bitcoin? The Biotech Stock with 46,751% Potential (From Behind the Markets) (Ad) Free USCB Stock Alerts $10.73 +0.48 (+4.68%) (As of 04/26/2024 ET) Add Compare Share Share Today's Range$10.34▼$10.7350-Day Range$10.25▼$11.4152-Week Range$8.56▼$12.97Volume7,668 shsAverage Volume23,602 shsMarket Capitalization$210.84 millionP/E Ratio13.94Dividend Yield1.86%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/Downside24.3% Upside$13.33 Price TargetShort InterestHealthy0.40% of Float Sold ShortDividend StrengthModerateBased on Four FactorsSustainabilityN/ANews Sentiment0.83Based on 12 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.4.28 out of 5 starsFinance Sector237th out of 853 stocksState Commercial Banks Industry52nd out of 180 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.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 Shorted0.40% 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 2.2, 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 9.14%, indicating that investor sentiment is decreasing significantly. Previous Next 2.5 Dividend Strength Dividend YieldUSCB Financial pays a meaningful dividend of 1.95%, 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 25.97%. 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 2.7 News and Social Media Coverage News SentimentUSCB Financial has a news sentiment score of 0.83. 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 0.45 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 12 news articles for USCB Financial this week, compared to 1 article on an average week. 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 13.94, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 130.83.Price to Earnings Ratio vs. SectorThe P/E ratio of USCB Financial is 13.94, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 48.91.Price to Book Value per Share RatioUSCB Financial has a P/B Ratio of 1.09. 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 Behind the MarketsBetter than Bitcoin? The Biotech Stock with 46,751% Potential4x Better than Bitcoin Bitcoin would have to go from $68,000 to $314,000 to match the 463% gains we saw with Immunogen in December.Get the name of the stock here >>> 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.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 HeadlinesApril 27, 2024 | investing.comUSCB Financial reports lower Q1 profit, higher depositsApril 26, 2024 | msn.comThe 10 Most Beautiful College Campuses In South CarolinaApril 27, 2024 | Behind the Markets (Ad)Better than Bitcoin? The Biotech Stock with 46,751% Potential4x Better than Bitcoin Bitcoin would have to go from $68,000 to $314,000 to match the 463% gains we saw with Immunogen in December.April 26, 2024 | lse.co.ukREPEAT: Miner Anglo American reviews takeover bid from rival BHPApril 26, 2024 | finance.yahoo.comWith 56% ownership, USCB Financial Holdings, Inc. (NASDAQ:USCB) boasts of strong institutional backingApril 25, 2024 | investorplace.comUSCB Stock Earnings: USCB Financial Holdings Beats EPS, Beats Revenue for Q1 2024April 25, 2024 | msn.comUSCB Financial Holdings GAAP EPS of $0.23, Total interest income $30.89MApril 25, 2024 | finance.yahoo.comUSCB Financial Holdings Inc (USCB) Q1 Earnings: Slight Dip in Profitability Amid Strong Deposit ...April 27, 2024 | Behind the Markets (Ad)Better than Bitcoin? The Biotech Stock with 46,751% Potential4x Better than Bitcoin Bitcoin would have to go from $68,000 to $314,000 to match the 463% gains we saw with Immunogen in December.April 25, 2024 | globenewswire.comUSCB Financial Holdings, Inc. Reports Diluted EPS of $0.23 for Q1 2024 and Announces Adoption of New 500,000 Share Repurchase ProgramApril 23, 2024 | globenewswire.comUSCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common StockApril 18, 2024 | americanbankingnews.comUSCB Financial (USCB) Set to Announce Quarterly Earnings on ThursdayApril 11, 2024 | markets.businessinsider.comUSCB Financial Holdings Inc Registered Shs -A- hosts conference call for investorsApril 5, 2024 | globenewswire.comUSCB Financial Holdings, Inc. to Announce First Quarter 2024 ResultsMarch 26, 2024 | markets.businessinsider.comAnalysts Offer Insights on Financial Companies: Trustmark (TRMK) and Columbia Financial (CLBK)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 13.90February 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 HoldingsSee 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 Earnings10/27/2021Ex-Dividend for 3/5 Dividend2/14/2024Dividend Payable3/05/2024Today4/27/2024Ex-Dividend for 6/5 Dividend5/14/2024Dividend Payable6/05/2024Next Earnings (Estimated)7/25/2024Fiscal 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+24.3%Consensus RatingModerate Buy Rating Score (0-4)2.50 Research Coverage4 Analysts Profitability EPS (Most Recent Fiscal Year)$0.77 Trailing P/E Ratio13.94 Forward P/E Ratio11.29 P/E GrowthN/ANet Income$16.55 million Net Margins13.08% Pretax Margin20.10% Return on Equity8.60% Return on Assets0.71% Debt Debt-to-Equity Ratio0.95 Current Ratio0.93 Quick Ratio0.93 Sales & Book Value Annual Sales$108.42 million Price / Sales1.94 Cash Flow$0.94 per share Price / Cash Flow11.40 Book Value$9.82 per share Price / Book1.09Miscellaneous Outstanding Shares19,650,000Free Float10,198,000Market Cap$210.84 million OptionableNot Optionable Beta0.35 7 Stocks to Buy And Hold ForeverClick the link below and we'll send you MarketBeat's list of seven stocks and why their long-term outlooks are very promising. Get This Free Report Key ExecutivesMr. 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 Mr. Nicholas G. Bustle (Age 61)Executive VP & Chief Lending Officer Comp: $457.98kMore ExecutivesKey CompetitorsOak Valley BancorpNASDAQ:OVLYChemung FinancialNASDAQ:CHMGSignature BankNASDAQ:SBNYFVCBankcorpNASDAQ:FVCBCitizens Financial ServicesNASDAQ:CZFSView All CompetitorsInsiders & InstitutionsSalzhauer MichaelBought 17,572 shares on 4/27/2024Ownership: 0.089%Robert 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)Howard FeinglassBought 10,000 shares on 2/27/2024Total: $110,700.00 ($11.07/share)Mendon Capital Advisors CorpBought 841,339 shares on 2/23/2024Ownership: 4.306%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 analysts have issued "buy," "hold," and "sell" ratings for USCB Financial in the last year. There are currently 2 hold ratings and 2 buy ratings for the stock. The consensus among Wall Street 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 brokerages have issued 12-month 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 stock price to reach $13.33 in the next twelve months. This suggests a possible upside of 24.3% 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 the year. Since then, USCB shares have decreased by 12.4% and is now trading at $10.73. View the best growth stocks for 2024 here. Are investors shorting USCB Financial? USCB Financial saw a decrease in short interest in the month of March. As of March 31st, there was short interest totaling 38,300 shares, a decrease 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 presently 2.3 days. Currently, 0.4% of the company's stock 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, July 25th 2024. View our USCB earnings forecast. How were USCB Financial's earnings last quarter? USCB Financial Holdings, Inc. (NASDAQ:USCB) released its earnings results on Wednesday, October, 27th. The company reported $0.37 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.26 by $0.11. The firm had revenue of $17.69 million for the quarter, compared to the consensus estimate of $15.19 million. USCB Financial had a trailing twelve-month return on equity of 8.60% and a net margin of 13.08%. How often does USCB Financial pay dividends? What is the dividend yield for USCB Financial? USCB Financial declared a quarterly dividend on Tuesday, April 23rd. Investors of record on Wednesday, May 15th will be given a dividend of $0.05 per share on Wednesday, June 5th. This represents a $0.20 dividend on an annualized basis and a yield of 1.86%. The ex-dividend date of this dividend is Tuesday, May 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 1.95%. The dividend payout ratio is 25.97%. 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 (IPO) 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) served 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 many different institutional and retail investors. Top institutional investors include Salzhauer Michael (0.09%). 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. 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