USCB Financial Holdings stock
USCBNASDAQUSCB Financial Holdings, Inc., Financial ServicesISIN US90355N1019
68Score 68 out of 100, Neutral
Price and trend
66 / 100
Price history
+12% in one yearThe chart shows daily closes over 5 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 0.8% below it.
Since November 2025 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 53).
The price is 14% below its 52-week high. Largest decline in 5 years: 44% (December 2021 to May 2023).
Chart figures for advanced users
- SMA 50$21.80
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$20.29
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)53
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$17.20
- The lowest closing price of the last twelve months.
- Resistance$23.48
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- USCB Financial Holdings, Inc. belongs to the Banks (Regional) industry (United States) and, with a market value of $370.11M, is number 398 of 420 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $90.22M (up 9.1% year on year) and earnings of $26.1M (up 5.8%).
- For fiscal 2026, analysts expect on average revenue of $108.9M (up 20.7%) and adjusted earnings per share of $1.98 (up 18.3%).
Show more
- MEQIRI Score 68 out of 100 (Neutral): rank 503 of 975 in Financial Services, median 68.
- The P/E is 12.8 (Banks (Regional) median 12.2, own median of recent years 14).
- Our model puts fair value at $18.47, with the price 9% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings per share growingUp 26.7% a year since 2020.Growth 90
- Share buybacksShare count down 7% since 2020.
- Growing faster than its industryRevenue up 12.7% a year since 2020, Banks (Regional) median 7.5%.Growth 90
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are growth and fundamentals, while capital allocation holds the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 67 to 68.
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- high growth grade (crashed more often in the backtest)
What lowers it
- calm price action
- solid fundamentals
Valuation
Valuation signal
Fairly valuedIn our model the price counts as cheap below $14.21 and expensive above $26.38 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $17.72 (excess return model) and $19.21 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is slightly above both parts; given how much the stock swings, that still counts as fair.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $16.99, at 7.8% it would be $20.68.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 4.2% on the twelve months before. Revenue has grown strongly since 2019, at around 12% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 40%, net 29%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 28 Jan 2027in 76 days
- Last reported
- 22 Oct 2026EPS reported $0.51 (expected $0.56)below expectations
Analyst estimates
Analysts have cut their 2027 earnings estimate by 8.7% since 15 Oct 2026. Falling estimates often precede bad news.
- Earnings per share
- $1.98−5.4%
- Revenue
- $108.9M−3.6%
- Earnings per share
- $2.12−8.7%
- Revenue
- $117.23M−5.4%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +11.3%Guidance for the second half was reiterated: net loan growth of high single digit to low double digit and an efficiency ratio in the low 50% range.
“You should expect expenses to rise at a measured pace with the efficiency ratio remaining at current levels in the low 50% range going forward.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 24 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
One insider bought on the open market in the last 6 months, $20,000 in total. 3 insiders sold, $2.32M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Rodriguez Ramon M.Purchase
30 Oct 2026, Board
- Shares
- 1,000
- Price
- $20.00
- Value
- $20,000
- Collazo AndresSale
8 Jun 2026, EVP, Operations & IT
- Shares
- 1,000
- Price
- $19.00
- Value
- $19,000
- De La Aguilera LuisSale
21 May 2026, President and CEO
- Shares
- 49,414
- Price
- $18.30
- Value
- $904,276
Show 6 more
- De La Aguilera LuisSale
20 May 2026, President and CEO
- Shares
- 36,826
- Price
- $18.15
- Value
- $668,392
- De La Aguilera LuisSale
19 May 2026, President and CEO
- Shares
- 4,931
- Price
- $18.01
- Value
- $88,807
- De La Aguilera LuisSale
18 May 2026, President and CEO
- Shares
- 2,485
- Price
- $18.06
- Value
- $44,879
- De La Aguilera LuisSale
15 May 2026, President and CEO
- Shares
- 805
- Price
- $18.05
- Value
- $14,530
- De La Aguilera LuisSale
14 May 2026, President and CEO
- Shares
- 22,883
- Price
- $18.20
- Value
- $416,471
- Abadin RamonSale
14 May 2026, Board
- Shares
- 9,000
- Price
- $18.21
- Value
- $163,890
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at USCB Financial Holdings
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 68
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- Parke BancorpPKBK $385.86M71
- Avidbank HoldingsAVBH $381.45M71
- Schweizerische NationalbankSNBN.SW $370.89M74
- Timberland BancorpTSBK $370.51M69
- Rogaland SparebankROGS.OL $368M67
- Primis FinancialFRST $363.06M61
- Waterstone FinancialWSBF $362.06M57
- Blue Ridge BanksharesBRBS $361.44M40
ETFs that hold USCB Financial Holdings
Held by 3 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.01% | 0.39% | €1.47B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.01% | 0.30% | €2.22B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.00% | 0.30% | €4.28B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 24 Oct 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.