USCB FINANCIAL HOLDINGS INC CLASS (USCB)

What USCB FINANCIAL HOLDINGS INC CLASS does

USCB Financial Holdings, Inc. is a bank holding company headquartered in Miami, Florida, with U.S. Century Bank as its sole subsidiary. Operating 10 banking centers in South Florida, the company provides personal and business banking products and services to small-to-medium sized businesses (SMBs), entrepreneurs, and professionals with consolidated assets of $2.8 billion as of December 31, 2025. The bank offers traditional commercial banking, specialty lending services (including SBA 7(a) and 504 programs), homeowner association banking, law firm and medical practice services, and deposit products across its South Florida footprint.

Fundamentals

• Price$20.04 as of 2026-07-09 close
• Market cap$366M as of 2026-07-10
• 1-year return+15.7% as of 2026-07-09 close
• P/E13.17 as of 2026-07-10
• ROE+12.6% as of 2026-07-10
• Debt / equity0.18 as of 2026-07-10
• Beta0.49 as of 2026-07-10

Dividend: yield +2.3%; pays a dividend.

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Key risks (from latest filing)

["Geographic concentration: Operations concentrated in South Florida across 10 banking centers, creating exposure to regional economic downturns and natural disasters.","Credit risk: Significant loan portfolio ($2.2 billion in loans held for investment) exposed to small-to-medium business lending defaults and economic cycles affecting SMBs.","Interest rate risk: Net interest margin dependent on deposit and loan pricing dynamics; deposit costs rising (9.1% YoY increase in savings/money market deposit rates Q1 2026)."]

See USCB's biggest risks from its latest 10-Q →