Stocks · Financial Services · Banks - Regional
USCB Financial Holdings, Inc. USCB
$22.55 +2.17% Close, Oct 2, 2026 · NASDAQ · Market cap $411.9M
Strong trend
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count fell 8.8% in a year, mainly through buybacks.
- Net debt is 4.4× EBITDA, a high level of leverage.
- The stock is in an uptrend: above its 200-day average for 84 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 17%
- EPS growth (TTM, YoY)Bottom 32%
- FCF growth (TTM, YoY)Top 47%
- Revenue growth, 3-year CAGRTop 20%
- Revenue growth accelerationTop 46%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 42%
- Gross marginTop 49%
- Operating marginTop 35%
- Cash conversion (OCF / net income)Top 23%
- Accruals (lower is better)Top 37%
- Net debt / EBITDA (lower is better)Bottom 29%
- Interest coverBottom 34%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 49%
- Free-cash-flow yieldTop 27%
- EBITDA / enterprise valueTop 48%
- Sales / enterprise valueBottom 34%
- P/E vs own 5-year history (lower is better)Bottom 22%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 22%
- 6-month returnTop 22%
- 1-year return vs S&P 500Top 20%
- Distance from 52-week highTop 27%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 24%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyTop 2%
- Upside to consensus price targetTop 38%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 38%
- Maximum drawdown, 3 yearsTop 34%
- Beta vs S&P 500 (lower is better)Bottom 40%
- Net debt / EBITDA (lower is better)Bottom 29%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -5.2% | -5.1% | ↑ |
| EPS growth (YoY) | 3.6% | 3.4% | ↓ |
| Gross margin | 58.0% | 65.9% | ↑ |
| Operating margin | 25.7% | 27.4% | ↑ |
| FCF margin | 26.7% | 34.0% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -5.1% | -5.2% | ↑ | Bottom 17% |
| EPS growth (TTM, YoY) | 3.4% | 3.6% | ↓ | Bottom 32% |
| Gross margin | 65.9% | 58.0% | ↑ | Top 49% |
| Operating margin | 27.4% | 25.7% | ↑ | Top 35% |
| Net margin | 19.9% | 19.5% | ↑ | — |
| Free-cash-flow margin | 34.0% | 26.7% | ↑ | — |
| Return on invested capital | 1.0% | — | Bottom 42% | |
| Revenue growth, 3-year CAGR | 25.9% | — | Top 20% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.74×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.7%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.7%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +8.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 4.37×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.04%
- Net buyback yield (TTM)
- 7.85%
- Shareholder yield
- 9.89%
- Share count change, 1 year
- -8.8%
- Share count change, 3-year CAGR
- -2.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- -2.0%
- Average 2-day reaction, last 8
- -0.3%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $27.00
- Target vs current price
- +19.7%
- Analysts with a rating
- 3
- Share rating Buy or Strong Buy
- 100%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +0.8% | +0.9% | +9.1% | +10.9% | — |
| Apr 23, 2026 | -2.1% | +0.6% | -4.9% | -4.9% | +5.0% |
| Jan 22, 2026 | -13.7% | +1.6% | -11.6% | -4.5% | -2.1% |
| Oct 23, 2025 | +7.1% | -1.3% | +0.5% | +1.5% | +12.2% |
| Jul 24, 2025 | +5.3% | -4.6% | -5.0% | -6.7% | -6.2% |
| Apr 24, 2025 | +0.0% | -1.4% | -6.4% | -7.1% | -2.2% |
| Jan 24, 2025 | -6.8% | +2.6% | +6.0% | +3.7% | -6.2% |
| Oct 31, 2024 | +12.9% | -0.5% | +32.5% | +39.7% | +34.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.49 | $0.49 | +0.8% | $27.9M |
| Apr 23, 2026 | $0.47 | $0.48 | -2.1% | $26.2M |
| Jan 22, 2026 | $0.44 | $0.51 | -13.7% | $25.5M |
| Oct 23, 2025 | $0.45 | $0.42 | +7.1% | $25.0M |
| Jul 24, 2025 | $0.40 | $0.38 | +5.3% | $24.4M |
| Apr 24, 2025 | $0.38 | $0.38 | +0.0% | $22.8M |
| Jan 24, 2025 | $0.34 | $0.37 | -6.8% | $23.0M |
| Oct 31, 2024 | $0.35 | $0.31 | +12.9% | $21.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.8× | 13.2× | 82th | Top 49% |
| P/E (forward) | 10.8× | — | — | — |
| EV / EBITDA | 14.7× | — | — | Top 48% |
| EV / Sales | 4.07× | — | — | Bottom 34% |
| Free-cash-flow yield | 11.92% | — | — | Top 27% |
| Earnings yield | 6.74% | — | — | Top 49% |
P/E over the past five years
Range 8.6× – 19.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +30.5%
- Earnings per share growth (TTM)
- +3.4%
- Change in P/E multiple
- +33.5%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 84
- 50-day average slope (20 days)
- +4.6%
- 200-day average slope (20 days)
- +2.4%
- Distance from 50-day average
- -0.0%
- Distance from 200-day average
- +12.6%
- RSI (14)
- 49.8
- Relative volume
- 0.79×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 24.0%
- Volatility vs own 5-year history
- 13th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.79
- Correlation with S&P 500
- 0.36
- Current drawdown from 1-year high
- -4.0%
- Maximum drawdown, 3 years
- -24.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 7, 2021 | May 2, 2023 | -44.2% | 351 days | 311 days (Jul 29, 2024) |
| Nov 25, 2024 | Jun 17, 2025 | -24.1% | 138 days | 260 days (Jul 1, 2026) |
| Aug 26, 2021 | Sep 20, 2021 | -17.3% | 16 days | 37 days (Nov 10, 2021) |
| Jul 31, 2024 | Aug 22, 2024 | -16.6% | 16 days | 53 days (Nov 6, 2024) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $411.9M
- P/E (TTM)
- 14.8
- EPS, diluted (TTM)
- $1.52
- Revenue (TTM)
- $144.2M
- Dividend yield
- 2.11%
- 52-week range
- $16.36 – $23.89
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $63.9M | $76.2M | $108.4M | $144.0M | $152.1M |
| Gross profit | $59.9M | $66.2M | $63.6M | $79.5M | $88.4M |
| Operating income | $27.7M | $27.1M | $21.8M | $32.5M | $35.9M |
| Net income | $21.1M | $20.1M | $16.5M | $24.7M | $26.1M |
| EPS (diluted) | -$6.72 | $1.00 | $0.84 | $1.24 | $1.30 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $37.0M | $37.8M | $37.7M | $39.5M | $41.4M | $33.5M | $26.2M | $43.1M |
| Net income | $6.9M | $6.9M | $7.7M | $8.1M | $8.9M | $1.4M | $9.4M | $9.1M |
| EPS (diluted) | $0.35 | $0.34 | $0.38 | $0.40 | $0.45 | $0.07 | $0.51 | $0.49 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $22.1M | $29.5M | $22.5M | $34.1M | $42.8M |
| Capital expenditure | -$633,000 | -$673,000 | -$163,000 | -$314,000 | -$303,000 |
| Free cash flow | $21.4M | $28.9M | $22.4M | $33.8M | $42.5M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $20.9M | $102,000 | -$7.5M | $818,000 | -$33.8M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $118.2M
- Total assets
- $3.02B
- Total liabilities
- $2.79B
- Total debt
- $292.9M
- Net debt
- $174.7M
- Shareholders’ equity
- $233.2M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 17, 2026 | $0.13 | Sep 4, 2026 |
| May 15, 2026 | $0.13 | Jun 5, 2026 |
| Feb 17, 2026 | $0.13 | Mar 5, 2026 |
| Nov 14, 2025 | $0.10 | Dec 5, 2025 |
| Aug 15, 2025 | $0.10 | Sep 5, 2025 |
| May 15, 2025 | $0.10 | Jun 5, 2025 |
| Feb 14, 2025 | $0.10 | Mar 5, 2025 |
| Nov 15, 2024 | $0.05 | Dec 5, 2024 |
Short interest
- Shares sold short
- 253,649
- Days to cover
- 3.06
- Change vs previous report
- -8.1%
FINRA short interest, settlement date Sep 15, 2026.