# USCB Financial Holdings share price today (USCB Financial Holdings, Inc., USCB)

> USCB Financial Holdings, Inc.'s share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. USCB · Financials · Banks - Regional · data as of 4 November 2026. Page: https://www.sectoralpha.in/us/stocks/uscb

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## Key numbers

- Business trend: Mixed, from the last 12 quarters
- Price: $19.94 (+11.7% in a year)
- P/BV: 1.6× (higher than 59% of the last 1 year)
- Revenue (Sep 2026): $26.9 M (+8.3% on a year ago)
- Profit (Sep 2026): $9.5 M (+6.6% on a year ago)
- Net margin: 35.4% (−0.6 points on a year ago)
- ROE: 13%, FY25
- ROA: 1.01%, latest

Biggest thing to watch: the price is not yet in a clear uptrend, so timing is the risk more than the business. ## What is the USCB Financial Holdings share price today? USCB Financial Holdings, Inc.'s share price was $19.94 at the close on 4 November 2026. That is 1.7% below its average price over the last 200 trading days. In the last 52 weeks it traded between $18 and $23, and at that close it sat 39% of the way up from that low. Over the past 13 weeks it has done worse than the S&P 500, and it has been behind for 3 weeks running. Over the last 1 year the share price moved +18% while the S&P 500 moved +18%, so it is ahead of the index over that whole period. It was last ahead over 13 weeks in the week of 16 October 2026. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does USCB Financial Holdings pay? USCB Financial Holdings, Inc. paid $0.47 per share over the last four reported quarters. The most recent declaration was $0.13 for Sep 2026. At today's price of $19.94 that is a yield of 2.36%, based on dividends already paid, not a forecast. ## Which stock lists is USCB Financial Holdings on? USCB Financial Holdings is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is USCB Financial Holdings profitable? USCB Financial Holdings, Inc. earned $9.5 M of net profit in the Sep 2026 quarter, +6.6% on the same quarter a year earlier. That is the 3rd quarter in a row of profit growth. Full-year FY25 profit was $26.1 M. That is 35.4% of the quarter's revenue. The same quarter a year earlier earned $8.9 M. For the full year, FY25 profit was $26.1 M (+5.8% on the year before). Why profit moved: revenue changed +8.3% on a year earlier and the margin moved −0.6 percentage points. Sales did the work, and the margin was about flat. On average over the last four quarters, profit changed −10.0% and revenue +4.3%. Profit is growing slower than sales: rising costs are taking part of the growth. ## How much revenue does USCB Financial Holdings make, and is it growing? USCB Financial Holdings, Inc. reported $26.9 M of income in the Sep 2026 quarter, +8.3% on the same quarter a year earlier. That is the 3rd quarter in a row with growth on the year before. Over 4 years it has grown 8.5% a year on average. The last full year, FY25, came in at $87.9 M. The last four reported quarters add to $96.5 M. FY25 revenue was $87.9 M, +10.6% on the year before. Recent pace: the last four quarters grew +4.3% on average, against 8.5% a year over the longer run, so this year is growing slower than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +4.6%, against +16.0% a year over the last 8 quarters (rolling over); profit over the last 12 months grew −7.3%, against +19.6% a year (rolling over). ## How much does USCB Financial Holdings keep from what it earns? USCB Financial Holdings, Inc.'s net margin was 35.4% in the Sep 2026 quarter, 0.6 percentage points lower than the same quarter a year ago. Across 5 years it has been between −111.4% and 31.0%. The latest quarter is above every full year in that period. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of USCB Financial Holdings' loans have gone bad? USCB Financial Holdings, Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is USCB Financial Holdings' loan book growing? USCB Financial Holdings, Inc.'s revenue was $87.9 M in FY25, +10.6% on the year before, so the loan book is growing. The latest quarter was +8.3% on a year earlier. The net margin on that income is 35.4%, −0.6 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is USCB Financial Holdings' P/BV ratio, and how does it compare with its own history? USCB Financial Holdings, Inc.'s P/BV is 1.6×, in the middle of its own history: higher than 59% of past readings. Its usual P/BV (the middle reading) is 1.6×, over 1 year of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is where it is: over the past year book value grew while the price moved +11.7%. Price and book value moved together, so the multiple stayed in its range. In short: the multiple is about average against its own past, so the book value trend underneath matters more than the multiple. ## Is the USCB Financial Holdings business getting better or worse? USCB Financial Holdings, Inc.'s business is giving mixed signals. There is no clear direction across the growth lines, with ROE steady at 12.8%; each line tells part of the story. This is based on 12 quarters of 4 measures. Why it matters: when the lines disagree, each line above matters more than any single label. ## How much does USCB Financial Holdings earn on its equity and assets? USCB Financial Holdings, Inc. earned a return on equity of 12% in FY25. Its lowest yearly reading on file was −35% in FY21. On its assets, every $100 earned about $1.01, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why: the ROE chart shows the move, but the deposit-cost and bad-loan details behind it are not in our data. ## Does USCB Financial Holdings have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the USCB Financial Holdings shareholding pattern? 1.6% of USCB Financial Holdings, Inc.'s tradable shares are in short positions, which are bets that the price will fall, so very few traders are betting against this stock. At normal trading volumes, closing those positions would take about 3.2 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is USCB Financial Holdings from balance-sheet trouble? For USCB Financial Holdings, Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does USCB Financial Holdings rank in its industry? There is no score against its industry: USCB Financial Holdings, Inc. is not among the largest members shown in this industry comparison for Banks - Regional. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is USCB Financial Holdings compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to USCB Financial Holdings in size? USCB Financial Holdings is the 235th largest of 274 Banks - Regional companies on Sector Alpha by market value (scores of 5 November 2026). Just above it: Primis Financial Corp., Northeast Community Bancorp, Inc. and Waterstone Financial, Inc. Just below it: C&F Financial Corporation, Blue Ridge Bankshares, Inc. and FS Bancorp, Inc. ### Banks - Regional companies close in size

1. [Primis Financial Corp.](https://www.sectoralpha.in/us/stocks/frst) $373 million
2. [Northeast Community Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/necb) $369 million
3. [Waterstone Financial, Inc.](https://www.sectoralpha.in/us/stocks/wsbf) $368 million
4. USCB Financial Holdings, Inc. $368 million
5. [C&F Financial Corporation](https://www.sectoralpha.in/us/stocks/cffi) $365 million
6. [Blue Ridge Bankshares, Inc.](https://www.sectoralpha.in/us/stocks/brbs) $361 million
7. [FS Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/fsbw) $344 million

[All 274 Banks - Regional companies, largest first](https://www.sectoralpha.in/us/sectors/banks-regional#all-companies)

### Companies close in size in other industries

1. [Farmland Partners Inc.](https://www.sectoralpha.in/us/stocks/fpi) $367 million · REIT - Specialty
2. [Primis Financial Corp.](https://www.sectoralpha.in/us/stocks/frst) $367 million · Banks - Regional
3. USCB Financial Holdings, Inc. $366 million
4. [Stitch Fix, Inc.](https://www.sectoralpha.in/us/stocks/sfix) $366 million · Apparel Retail
5. [Energy Recovery, Inc.](https://www.sectoralpha.in/us/stocks/erii) $366 million · Pollution & Treatment Controls

## What else do people ask about USCB Financial Holdings? ### What were USCB Financial Holdings's latest quarterly results? USCB Financial Holdings, Inc. reported total income of $26.9 M and net profit of $9.5 M for the Sep 2026 quarter. Income rose 8.3% and profit rose 6.6% compared with a year earlier. Earnings per share were $0.51 (as of 4 November 2026). ### What is USCB Financial Holdings's market cap? USCB Financial Holdings, Inc.'s market capitalisation is $368 M at a stock price of $19.94. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 4 November 2026). ### How is USCB Financial Holdings performing? USCB Financial Holdings, Inc.'s latest readings are below. In its latest quarter, income rose 8.3% and profit rose 6.6% compared with a year earlier. Over the past 13 weeks it has done worse than the S&P 500, for 3 weeks running. This describes what the data did, not a rating (as of 4 November 2026). ### Will USCB Financial Holdings's stock price go up? This page does not forecast USCB Financial Holdings, Inc.'s stock price. What it shows instead: the stock price is $19.94. Its P/BV of 1.6× is higher than 59% of its own last 1 years. Nobody can reliably say which way a price will move, and this site does not try (as of 4 November 2026). ### Where is USCB Financial Holdings in its business cycle? USCB Financial Holdings, Inc.'s FY25 net margin was 29.7%, against a 5-year range of −111.4% to 31.0%: the middle of its own range, neither a peak nor a low. The latest quarter was 35.4%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 4 November 2026). ### What could break the USCB Financial Holdings story? Biggest thing to watch: the price is not yet in a clear uptrend, so timing is the risk more than the business. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 4 November 2026). ### Is USCB Financial Holdings a stock worth studying right now? What the numbers show: USCB Financial Holdings, Inc.'s share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. The main open question: the next one or two quarters of results. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 4 November 2026). This is research, not advice. We’re not SEBI-registered.