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USCB Financial Holdings, Inc.

USCB

USCB Financial Holdings, Inc. is a bank holding company that operates U.S. Century Bank, a Florida state-chartered institution serving the South Florida market.

Market cap
$413.12M+26.7%
Revenue$97.1M+5.9%
Net income$28.7M-3.1%
Free cash flow$77.2M+75.2%
EPS (diluted)$1.55+5.4%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 22, 2026 (in 2 months)
Revenue estimate$29.2M
EPS estimate$0.55

Financials

Q2 2026

Income statement

See full
Revenue$27.9M+14.5%
Net income$9.1M+11.5%
EPS (diluted)$0.49+22.5%

Balance sheet

See full
Cash & equivalents$118.2M+116%
Total debt$12.6M+79.2%
Total equity$233.2M+0.7%
Total assets$3.0B+11.0%

Cash flow

See full
Operating cash flow$24.7M+36.6%
CapEx$442.0K+821%
Free cash flow$24.2M+34.5%

Valuation & ratios

Valuation

See full
Market cap$413.12M+26.7%
Enterprise value$307.59M+10.5%
P/E14.4×+3.4×
P/S4.3×+0.7×

Profitability

See full
Net margin29.6%-2.7pp

Returns & leverage

See full
Return on equity12.4%-1.3pp
Debt / equity0.1×0.0×

Competitors

Profile

USCB Financial Holdings, Inc. is a bank holding company that operates U.S. Century Bank, a Florida state-chartered institution serving the South Florida market. The company provides relationship-based banking solutions, including commercial and personal lending, deposit products, and specialized financial services. Its core value proposition focuses on serving small-to-medium sized businesses, entrepreneurs, and high-net-worth professionals through a localized, high-touch service model.

Competitive position

A specialized regional player in South Florida with a significant concentration in commercial real estate and a Preferred Lending Partner status with the SBA.

GeographiesUnited States, Florida, Latin America, Caribbean
Customer segmentsSmall and Medium Enterprises, High Net Worth Individuals, Professional Services Firms, Correspondent Banks
Business modelInterest-based lending, Fee-based services, Relationship banking
SuppliersFederal Reserve System, Federal Home Loan Bank (FHLB) of Atlanta, FDIC insurance funds, Technology and software vendors
CustomersSmall business owners, Real estate developers, Homeowner associations, International correspondent banks
Listed2021
Employees196.0
CEOLuis de la Aguilera
FilingsSEC EDGAR

FAQ

What is USCB Financial Holdings, Inc.'s market cap?
USCB Financial Holdings, Inc. (USCB) has a market capitalization of $413.1M and trades on NASDAQ.
What is USCB Financial Holdings, Inc.'s revenue and profitability?
USCB Financial Holdings, Inc. generated $97.1M in trailing twelve-month revenue with net income of $28.7M, representing a net margin of 29.6%, with free cash flow of $77.2M. These figures are based on the Q2 2026 filing.
Who are USCB Financial Holdings, Inc.'s competitors?
USCB Financial Holdings, Inc.'s key competitors include Bank of America, Wells Fargo, JPMorgan Chase, and others. These companies compete in similar markets and product categories.
Who does USCB Financial Holdings, Inc. partner with?
USCB Financial Holdings, Inc.'s notable partners include Small Business Administration, Federal Home Loan Bank of Atlanta.
What subsidiaries does USCB Financial Holdings, Inc. have?
USCB Financial Holdings, Inc.'s subsidiaries include U.S. Century Bank, Florida Peninsula Title LLC.
Where is USCB Financial Holdings, Inc. headquartered?
USCB Financial Holdings, Inc. is headquartered in United States of America and employs approximately 196 people. It has been publicly traded since 2021.