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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1945
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$350M
Luis de la Aguilera
USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various banking products and services to small-to-medium sized businesses. The company accepts checking, savings, money market, and time deposit accounts; and certificates of deposit. Its loan products include residential real estate loans; commercial real estate loans; commercial and industrial loans; foreign banks loans; and secured and unsecured consumer loans comprising personal loans, overdrafts, and deposit account collateralized loans. The company also offers treasury, commercial payments, cash management, and online banking services. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida.
Headcount
196
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = USCB ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$USCB USCB FINANCIAL HOLDINGS, INC. | 50 | 35 | 62 | 57 | 11.2x | 8.5x | 15.2% | 1.1% | 0.0% | 29.5% | 22.4% | 15.7% | 2.0% | 1224.0x | $350M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
USCB FINANCIAL HOLDINGS, INC. (USCB) receives a "Hold" rating with a composite score of 50.4/100. It ranks #1945 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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HQ Base
Pending Verification
In-line with peers — no strong momentum signal
Trading at a discount to fundamentals — favorable entry valuation
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for USCB.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 35 | 67 | -32DRAG |
| MOMENTUM | 57 | 62 | -5NEUTRAL |
| VALUATION | 62 | 86 | -24DRAG |
| INVESTMENT | 27 | 30 | -3NEUTRAL |
| STABILITY | 47 | 44 | +3NEUTRAL |
| SHORT INT | 84 | 93 | -9DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROE proxy 15.2% (sector 9.0%)
GM 0% vs sector 78%, OM 30% vs sector 18%
Capital turnover N/A
Rev growth 16%, 5yr history
Interest coverage 0.7x, Net debt/EBITDA -1.4x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate USCB FINANCIAL HOLDINGS, INC. (USCB) as a Hold with a composite score of 50.4/100 at a current price of $19.26. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
USCB FINANCIAL HOLDINGS, INC. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 50.4/100 places it at rank #1945 in our full universe.
Narrow
High
Standard
Undervalued
Returns on equity of 15.2% exceed cost of capital.
Stable competitive position in a defensive sector.
Leverage of 1224% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
USCB FINANCIAL HOLDINGS, INC. represents a hold based on multi-factor quantitative performance.
Our model assigns USCB FINANCIAL HOLDINGS, INC. a Hold rating, with a composite score of 50.4/100 and 3 out of 5 stars. Ranked #1945 of 7,333 stocks, USCB presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
USCB's quality score of 35/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 15.2% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 22.4% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
USCB's value score of 62/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 11.16x, an EV/EBITDA of 8.46x, a P/B ratio of 1.69x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.
USCB FINANCIAL HOLDINGS, INC.'s investment score of 27/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 15.7% vs. a sector average of 10.7% and a return on assets of 1.1% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
USCB demonstrates moderate momentum with a score of 57/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at 15.7% year-over-year, while a beta of 0.70 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
With a stability score of 47/100, USCB exhibits average financial resilience. Key stability metrics include a beta of 0.70 and a debt-to-equity ratio of 1224.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
USCB's short interest factor score of 84/100 indicates very low short selling activity relative to peers — a positive signal suggesting institutional investors see limited near-term downside. Specific risk factors include elevated leverage (D/E: 1224.00x), small-cap liquidity risk. As a small-cap company with a market capitalization of $350M, USCB FINANCIAL HOLDINGS, INC. benefits from the generally lower volatility and deeper liquidity associated with its size class.
USCB pays a solid dividend yield of 2.0%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
USCB FINANCIAL HOLDINGS, INC. is a small-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #1945 of 7,333 overall (73rd percentile). Key comparisons include ROE of 15.2% exceeding the 9.0% sector median and operating margins of 29.5% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While USCB currently exhibits a HOLD profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
Key factor gap
Short Int. (84) vs Investment (27) — closing this gap could shift the rating.
EV/EBITDA 9% ABOVE SECTOR MEDIAN
ROE 68% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Operator: Good morning, everyone, and welcome to the Q4 2025 USCB Financial Holdings, Inc. Earnings Conference Call. [Operator Instructions] Please also note, today
USCB Financial Holdings, Inc. ( NASDAQ:USCB ) will increase its dividend from last year's comparable payment on the 5th...
USCB Q4 2025 earnings call highlights: adjusted EPS $0.44, NIM 3.27%, loan/deposit growth, 2026 outlook & risks.
USCB Financial (NASDAQ:USCB) management used its fourth-quarter 2025 earnings call to highlight a year of balance sheet growth and solid credit performance, while also explaining two notable non-operating items that weighed on reported quarterly results. Executives said actions taken late in the yea
USCB Financial (USCB) delivered earnings and revenue surprises of 9.52% and 2.30%, respectively, for the quarter ended March 2024. Do the numbers hold clues to what lies ahead for the stock?