profit from every $100 of sales.
$0$100
USCB Financial Holdings
$20.26+0.65% today
+13.0% in 1 year
1-year low $17.201-year high $23.48
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $14.27 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What USCB Financial Holdings sold, what it kept, and what it did with the cash.
Sales went from $68.7 million in 2022 to $90.2 million in 2025, with $26.1 million of profit last year.
SalesProfit
USCB Financial Holdings handed back 100% of the cash it generated last year.
Buybacks $35M
Free cash flow 2025$43M
Bought back its own shares$35M
Paid as dividends$8M
Cash vs. debt$38M vs. $203M
USCB Financial Holdings vs. similar companies
USCB Financial Holdings grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| USCB Financial Holdings | 14.3× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads USCB Financial Holdings's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 69 | 66 | 83 | 90 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 20 | 17 | 25 | 26 | |
| 1.00 | 0.84 | 1.24 | 1.34 | |
| – | – | – | – | |
| – | – | – | – | |
| 29.3% | 25.1% | 29.8% | 28.9% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 2,086 | 2,339 | 2,581 | 2,792 |
| Cash | 54 | 41 | 77 | 38 |
| Total debt | 60 | 194 | 171 | 203 |
| Total liabilities | 1,903 | 2,147 | 2,366 | 2,574 |
| 182 | 192 | 215 | 217 | |
| 20 | 20 | 20 | 20 | |
| – | – | – | – | |
| 11.0% | 8.6% | 11.5% | 12.0% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 30 | 23 | 35 | 43 | |
| 1 | 0 | 0 | 0 | |
| 29 | 22 | 35 | 43 | |
| Dividends paid | – | 0 | 4 | 8 |
| 0 | 8 | 1 | 35 | |
| 1 | 1 | 2 | 3 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 14.3×
- 10.1×
- 1.39
- 1.5×
- 4.1×
- 7.0%
- 2.5%
Profitability
- 28.9%
- 12.2%
- 7.2%
- 12.7%
- 1.0%
Growth
- +9.5%
- +10.2%
- –
- −1.8%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 21%of 754
Top 39%of 605
Bottom 47%of 883
Top 50%of 880
Top 19%of 929
What analysts expect
- Average price target
- $24.00
- Range
- $24.00 – $24.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 0.47 | 0.48 | −2.1% |
| Jan 22, 2026 | 0.44 | 0.51 | −13.7% |
| Oct 23, 2025 | 0.45 | 0.42 | +7.1% |
| Jul 24, 2025 | 0.40 | 0.38 | +5.3% |
| Apr 24, 2025 | 0.38 | 0.38 | +0.0% |
| Jan 24, 2025 | 0.34 | 0.37 | −6.8% |
| Oct 31, 2024 | 0.35 | 0.31 | +12.9% |
| Jul 25, 2024 | 0.31 | 0.24 | +29.2% |
2.5%of the share price, paid each year
On $1,000 invested$25a year at today's yield, before tax
–per share
Raised1 yearin a row, in our data
Paid per share, each year
$0.20 in 2024 → $0.40 in 2025
How safe it looks
30.0% of its profit
Room to growStretchedMore than it earns: 18.4%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
69Pass
Benjamin Graham
69Pass
Philip Fisher
74Pass
Peter Lynch
57No pass
Joel Greenblatt
26No pass
Charlie Munger
62Pass
Terry Smith
58No pass
Questions about USCB Financial Holdings
Is USCB Financial Holdings a good stock to buy?
A strong, very profitable business, and the price looks low. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the USCB Financial Holdings AI analysis
What does USCB Financial Holdings do?
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. It is in Banks - Regional.
Does USCB Financial Holdings pay a dividend?
Yes. At today's price the dividend is 2.5% a year, about 30% of its yearly profit. In 2025 it paid out $7.83 million in dividends.
Is USCB Financial Holdings stock halal?
No. USCB Financial Holdings does not pass our halal screen: its main business, banking, is not permitted. How we check
How has USCB Financial Holdings stock done over the past year?
Up 13.0% over the past twelve months, to $20.26. It traded between $17.20 and $23.48 and is 13.7% below its high.
Who are USCB Financial Holdings's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with USCB Financial Holdings's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.