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About the company
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.
- Revenue in USD (TTM)145.49m
- Net income in USD26.10m
- Incorporated2021
- Employees199.00
- LocationUSCB Financial Holdings Inc2301 Nw 87Th AvenueDORAL 33172United StatesUSA
- Websitehttps://www.uscentury.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FS Bancorp Inc | -100.00bn | -100.00bn | 297.07m | 580.00 | -- | 0.9825 | -- | -- | -- | -- | -- | 40.83 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Avidbank Holdings Inc | -100.00bn | -100.00bn | 315.41m | 143.00 | -- | 1.15 | -- | -- | -- | -- | -- | 25.00 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 13.97 | -- | 25.08 | -- | -- | -- |
| PCB Bancorp | -100.00bn | -100.00bn | 318.90m | 270.00 | -- | 0.9938 | -- | -- | -- | -- | -- | 27.41 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Waterstone Financial Inc | 116.11m | 26.40m | 328.09m | 593.00 | 12.04 | 0.939 | 11.33 | 2.31 | 1.48 | 1.48 | 7.94 | 19.03 | -- | -- | -- | -- | 1.18 | 1.33 | -- | -- | -- | -- | 18.60 | 17.44 | -- | -- | -- | 66.10 | 2.60 | 8.15 | 41.28 | -20.11 | -0.9994 | 4.56 |
| Northeast Community Bancorp Inc | 154.12m | 44.41m | 333.59m | 136.00 | 7.32 | 0.9485 | 9.68 | 3.18 | 3.26 | 3.26 | 7.70 | 25.19 | -- | -- | -- | -- | 2.18 | 2.20 | -- | -- | -- | -- | 42.37 | 41.30 | -- | -- | -- | 14.99 | -3.68 | 25.77 | -5.65 | 29.22 | -- | 62.19 |
| MVB Financial Corp | 172.89m | 32.16m | 339.26m | 453.00 | 10.86 | 1.02 | 9.65 | 1.94 | 2.46 | 2.46 | 13.32 | 26.07 | -- | -- | -- | -- | 0.9662 | 0.9218 | -- | -- | -- | -- | 18.39 | 17.78 | -- | -- | -- | 27.73 | -2.09 | 17.68 | -10.51 | -5.09 | -4.52 | 28.38 |
| USCB Financial Holdings Inc | 145.49m | 26.10m | 348.43m | 199.00 | 14.72 | -- | 13.83 | 3.86 | 1.30 | 1.30 | 4.58 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 28.93 | 29.26 | -- | -- | -- | -- | 10.86 | 22.55 | 5.78 | 27.68 | -- | -- |
| Commercial BancGroup Inc | -100.00bn | -100.00bn | 356.15m | 195.00 | -- | 1.30 | -- | -- | -- | -- | -- | 20.03 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 20.05 | -- | 2.34 | -- | -- | -- |
| Pioneer Bancorp Inc | 105.59m | 19.84m | 362.16m | 255.00 | 18.01 | 1.15 | 16.29 | 3.87 | 0.8017 | 0.8017 | 3.78 | 12.53 | -- | -- | -- | -- | 0.9317 | -- | -- | -- | -- | -- | 21.21 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Farmers & Merchants Bancorp Inc | 173.54m | 32.90m | 363.36m | 474.00 | 10.89 | 0.9798 | 9.02 | 2.99 | 2.43 | 2.43 | 8.95 | 26.98 | -- | -- | -- | -- | 0.9798 | 0.9219 | -- | -- | -- | -- | 27.43 | 27.08 | -- | -- | -- | 39.97 | 6.10 | 19.85 | 29.37 | 10.53 | -11.32 | 6.72 |
| RBB Bancorp | 221.13m | 31.95m | 368.95m | 372.00 | 11.80 | 0.705 | 15.01 | 2.86 | 1.83 | 1.83 | 7.38 | 30.68 | -- | -- | -- | -- | 0.7792 | 1.11 | -- | -- | -- | -- | 24.74 | 32.61 | -- | -- | -- | 25.98 | 2.06 | 9.71 | 19.81 | -0.6025 | -- | 14.17 |
| Blue Ridge Bankshares Inc | 137.77m | 10.71m | 369.56m | 416.00 | 37.15 | 1.14 | 45.10 | 4.01 | 0.1087 | 0.1087 | 0.987 | 3.54 | -- | -- | -- | -- | 0.4143 | 0.1744 | -- | -- | -- | -- | 11.63 | 3.69 | -- | -- | -- | -- | -14.06 | 20.40 | 169.61 | -9.70 | -- | -- |
| Bankwell Financial Group Inc | 198.33m | 34.75m | 374.54m | 144.00 | 10.67 | 1.24 | 12.88 | 3.46 | 4.44 | 4.44 | 13.86 | 38.16 | -- | -- | -- | -- | 1.06 | 0.971 | -- | -- | -- | -- | 32.49 | 31.26 | -- | -- | -- | 20.31 | 3.30 | 20.68 | 265.17 | 43.03 | -- | 2.71 |
| Avidia Bancorp Inc | 130.55m | -3.29m | 375.23m | -- | -- | 0.9901 | -- | 3.60 | -0.1456 | -0.1456 | 5.39 | 18.88 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -3.16 | -- | -- | -- | -- | -- | 5.54 | -- | -128.64 | -- | -- | -- |
| River Financial Corp | 191.25m | 40.43m | 387.50m | 334.00 | 9.65 | 1.40 | 8.78 | 3.03 | 5.18 | 5.18 | 16.41 | 35.75 | -- | -- | -- | -- | 1.10 | 1.00 | -- | -- | -- | -- | 31.59 | 28.55 | -- | -- | -- | 11.64 | 28.62 | 28.36 | 17.12 | 23.02 | 3.06 | -- |
| Ponce Financial Group Inc | 185.53m | 27.58m | 393.66m | 216.00 | 13.65 | 1.24 | 28.27 | 3.60 | 1.19 | 1.19 | 4.74 | 22.44 | -- | -- | -- | -- | 0.9165 | 0.3191 | -- | -- | -- | -- | 26.28 | 8.84 | -- | -- | -- | -- | 14.07 | 28.31 | 166.87 | 48.24 | -- | -- |
Data as of Mar 04 2026. Currency figures normalised to USCB Financial Holdings Inc's reporting currency: US Dollar USD
36.42%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| T. Rowe Price Investment Management, Inc.as of 31 Dec 2025 | 1.32m | 7.27% |
| Endeavour Capital Advisors, Inc.as of 31 Dec 2025 | 1.06m | 5.84% |
| AllianceBernstein LPas of 31 Dec 2025 | 941.36k | 5.20% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 656.37k | 3.62% |
| BlackRock Fund Advisorsas of 31 Dec 2025 | 653.93k | 3.61% |
| Mendon Capital Advisors Corp.as of 31 Dec 2025 | 487.14k | 2.69% |
| Curi Capital LLCas of 31 Dec 2025 | 448.65k | 2.48% |
| Basswood Capital Management LLCas of 31 Dec 2025 | 438.21k | 2.42% |
| Pacific Ridge Capital Partners LLCas of 31 Dec 2025 | 341.17k | 1.88% |
| Geode Capital Management LLCas of 31 Dec 2025 | 254.28k | 1.40% |
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Data from 31 Dec 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
