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Uscb financial holdings, inc.USCB.US Overview

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USCB Recent Performance

0.05%

Uscb financial holdings, inc.

0.23%

Avg of Sector

-0.49%

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USCB Key Information

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USCB Profile

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.

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USCB FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

USCB Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.52
PE Ratio (TTM)
14.27
Forward PE
11.45
PS Ratio (TTM)
3.83
PB Ratio
1.61
Price-to-FCF
19.46
METRIC
VALUE
vs. INDUSTRY
Gross Margin
99.13%
Net Margin
30.22%
Revenue Growth (YoY)
8.90%
Profit Growth (YoY)
7.95%
3-Year Revenue Growth
13.61%
3-Year Profit Growth
12.44%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.52
PE Ratio (TTM)
14.27
Forward PE
11.45
PS Ratio (TTM)
3.83
PB Ratio
1.61
Price-to-FCF
19.46
Gross Margin
99.13%
Net Margin
30.22%
Revenue Growth (YoY)
8.90%
Profit Growth (YoY)
7.95%
3-Year Revenue Growth
13.61%
3-Year Profit Growth
12.44%
  • When is USCB's latest earnings report released?

    The most recent financial report for Uscb financial holdings, inc. (USCB) covers the period of 2026Q1 and was published on 2026/03/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating USCB's short-term business performance and financial health. For the latest updates on USCB's earnings releases, visit this page regularly.

  • What is the operating profit of USCB?

    According to the latest financial report, Uscb financial holdings, inc. (USCB) reported an Operating Profit of 11.69M with an Operating Margin of 44.61% this period, representing a growth of 15.73% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is USCB's revenue growth?

    In the latest financial report, Uscb financial holdings, inc. (USCB) announced revenue of 26.2M, with a Year-Over-Year growth rate of 18.28%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does USCB have?

    As of the end of the reporting period, Uscb financial holdings, inc. (USCB) had total debt of 92.34M, with a debt ratio of 0.03. Short-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does USCB have?

    At the end of the period, Uscb financial holdings, inc. (USCB) held Total Cash and Cash Equivalents of 78.96M, accounting for 0.03 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does USCB go with three margins increasing?

    In the latest report, Uscb financial holdings, inc. (USCB) achieved the “three margins increasing” benchmark, with a gross margin of 96.94%%, operating margin of 44.61%%, and net margin of 35.69%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess USCB's profit trajectory and future growth potential.

  • Is USCB's EPS continuing to grow?

    According to the past four quarterly reports, Uscb financial holdings, inc. (USCB)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.51. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of USCB?

    Uscb financial holdings, inc. (USCB)'s Free Cash Flow (FCF) for the period is -10.11M, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 225.06% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of USCB?

    The latest valuation data shows Uscb financial holdings, inc. (USCB) has a Price-To-Earnings (PE) ratio of 9.09 and a Price/Earnings-To-Growth (PEG) ratio of 0.02. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.