Stock Research: USCB

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USCB

NasdaqGM:USCB US90355N1019
81
  • Value
    33
  • Growth
    100
  • Safety
    Safety
    21
  • Combined
    65
  • Sentiment
    91
  • 360° View
    360° View
    81
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Company Description

USCB Financial Holdings, Inc. is the bank holding company for U.S. Century Bank (the Bank). The Bank offers customers a wide range of financial products and services and supports numerous community organizations, including the Greater Miami Chamber of Commerce, the South Florida Hispanic Chamber of Commerce, and ChamberSouth. The Bank focuses on serving small-to-medium sized businesses (SMBs) and catering to the needs of local business owners, entrepreneurs and professionals in South Florida. In addition to its traditional commercial banking services, it also offers certain specialty banking products, services and solutions designed for small businesses, homeowner associations, law firms, medical practices and other professional services firms, and global banking services. Its specialty banking offerings include small business administration (SBA) lending, yacht lending, homeowner association services, and jurist advantage and private client group services, among others.

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Analysis

ANALYSIS: With an Obermatt 360° View of 81 (better than 81% compared with alternatives) for 2025, overall professional sentiment and financial characteristics for the stock USCB are very positive. The 360° View is based on consolidating four consolidated indicators, with half of the metrics below and half above average for USCB. The consolidated Growth Rank has a good rank of 100, which means that the company experiences above-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth as well as stock returns. This means that growth is higher than for 100% of competitors in the same industry. The consolidated Sentiment Rank also has a good rank of 91, which means that professional investors are more optimistic about the stock than for 91% of alternative investment opportunities. But the consolidated Value Rank has a less desirable rank of 21, which means that the share price of USCB is on the higher side compared with typical size in indicators such as revenues, profits, and invested capital. This means the stock price is higher than for 79% of alternative stocks in the same industry. Finally, the consolidated Safety Rank has a riskier rank of 33, which means that the company has a financing structure that is riskier than those of 67% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. ...read more

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Index
NASDAQ
The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 21-Aug-2025.

Make Sense of the Ranks

The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

Value
Identifies how good a value the stock is.
Good Value Expensive
Growth
Shows a company's growth potential.
High Growth Tough Times
Safety
Safety
Assesses how financially secure a company is.
Well-Financed High Leverage
Combined
Consolidated view across Value, Growth, and Safety.
Good Tread Carefully
Sentiment
Shows what the market thinks of a stock.
Positive Sentiment Skepticism
360° View
360° View
Holistic stock analysis: all key non-/financial metrics
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Detailed and Historical Ranks

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Metrics Current 2024 2023 2022
Value
21 23 37 19
Growth
100 100 69 69
Safety
Safety
33 10 55 21
Sentiment
91 65 55 71
360° View
360° View
81 58 41 37
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Metrics Current 2024 2023 2022
Analyst Opinions
42 28 62 58
Opinions Change
96 91 50 50
Pro Holdings
n/a 48 43 18
Market Pulse
84 82 46 92
Sentiment
91 65 55 71
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Metrics Current 2024 2023 2022
Value
21 23 37 19
Growth
100 100 69 69
Safety Safety
33 10 55 21
Combined
65 31 39 17
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Metrics Current 2024 2023 2022
Price vs. Sales (P/S)
46 54 56 94
Price vs. Earnings (P/E)
27 33 49 38
Price vs. Book (P/B)
14 9 35 12
Dividend Yield
35 24 1 1
Value
21 23 37 19
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Metrics Current 2024 2023 2022
Revenue Growth
92 78 100 67
Profit Growth
82 80 42 68
Capital Growth
75 87 25 59
Stock Returns
77 99 57 57
Growth
100 100 69 69
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Metrics Current 2024 2023 2022
Leverage
72 61 82 62
Refinancing
20 30 1 26
Liquidity
43 51 49 19
Safety Safety
33 10 55 21

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