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About the company
USCB Financial Holdings, Inc. is a bank holding company for U.S. Century Bank (the Bank). The Bank is a Florida state-chartered, non-Federal Reserve System member bank. It is focused on serving small-to-medium sized businesses (SMBs) and catering to the needs of local business owners, entrepreneurs, and professionals in South Florida. It provides a wide range of personal and business banking products and services. Its specialty banking offerings include small business administration (SBA) lending, yacht lending, homeowner association (HOA) services and global banking services. Its specialty banking offerings include Small Business Administration (SBA) lending, where the Company's SBA platform originates loans under Sections 7(a) and 504 of the SBA programs; yacht lending vertical provides yacht financing for larger vessels; Homeowner Association (HOA) services; Jurist Advantage and Private Client Group services, and Global Banking services.
- Revenue in USD (TTM)109.53m
- Net income in USD15.35m
- Incorporated2021
- Employees196.00
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PCB Bancorp | 160.20m | 25.02m | 221.42m | 268.00 | 8.91 | 0.7882 | 8.12 | 2.27 | 1.74 | 1.74 | 6.80 | 24.54 | -- | -- | -- | -- | 0.9372 | 1.39 | -- | -- | -- | -- | 25.68 | 31.91 | -- | -- | -- | 24.46 | 48.58 | 12.55 | -12.12 | 4.72 | 2.90 | 87.22 |
| Southern First Bancshares Inc | 187.63m | 13.25m | 226.98m | 296.00 | 16.99 | 0.72 | 12.56 | 2.63 | 1.64 | 1.64 | 10.67 | 38.65 | -- | -- | -- | -- | 0.3293 | 0.9441 | -- | -- | -- | -- | 15.34 | 27.70 | -- | -- | -- | 0.00 | 50.94 | 18.30 | -53.89 | -9.64 | -8.56 | -- |
| Civista Bancshares Inc | 191.32m | 35.08m | 229.82m | 539.00 | 6.32 | 0.6233 | 4.77 | 1.47 | 2.32 | 2.32 | 10.29 | 23.50 | -- | -- | -- | -- | 0.9762 | 1.28 | -- | -- | -- | -- | 23.38 | 28.89 | -- | -- | -- | 21.40 | 44.85 | 19.92 | 6.30 | 25.71 | 18.43 | 7.99 |
| River Financial Corp | 142.84m | 27.44m | 229.92m | 328.00 | 7.96 | 1.16 | 7.40 | 2.26 | 3.77 | 3.77 | 13.95 | 25.80 | -- | -- | -- | -- | 0.8633 | 1.02 | -- | -- | -- | -- | 26.92 | 27.73 | -- | -- | -- | 12.01 | 48.82 | 29.24 | -4.26 | 25.74 | 59.36 | -- |
| Alpine Banks of Colorado | -100.00bn | -100.00bn | 230.46m | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 1.12 | -- | -- | -- | -- | -- | 27.02 | -- | -- | -- | 18.40 | 29.35 | 12.11 | -22.23 | 0.786 | 0.6687 | -- |
| BayCom Corp | 128.03m | 26.11m | 232.84m | 358.00 | 9.35 | 0.7495 | 8.01 | 2.27 | 2.21 | 2.21 | 8.70 | 27.62 | -- | -- | -- | -- | 1.02 | 0.9295 | -- | -- | -- | -- | 25.47 | 22.55 | -- | -- | -- | 7.25 | 18.00 | 17.31 | 15.57 | 13.61 | 15.95 | -- |
| Pioneer Bancorp Inc | 83.84m | 15.84m | 238.73m | 243.00 | 14.63 | 0.8262 | 12.94 | 3.17 | 0.6284 | 0.6284 | 2.99 | 11.12 | -- | -- | -- | -- | 0.8235 | 0.5433 | -- | -- | -- | -- | 21.00 | 14.04 | -- | -- | -- | -- | 62.02 | 8.85 | 113.52 | 11.56 | -43.76 | -- |
| Southern States Bancshares Inc | 142.30m | 32.40m | 239.11m | 181.00 | 7.48 | 1.07 | 9.41 | 2.52 | 3.59 | 3.59 | 10.50 | 25.06 | -- | -- | -- | -- | 1.39 | 1.20 | -- | -- | -- | -- | 34.16 | 29.38 | -- | -- | -- | 9.71 | 59.64 | 28.88 | 18.03 | 32.88 | -3.27 | -- |
| First of Long Island Corp | 160.96m | 24.19m | 239.35m | 288.00 | 9.95 | 0.6336 | 8.76 | 2.62 | 1.07 | 1.07 | 4.04 | 16.78 | -- | -- | -- | -- | 0.5731 | 0.9589 | -- | -- | -- | -- | 26.44 | 35.10 | -- | -- | -- | 45.59 | 15.85 | 2.38 | -44.09 | -8.74 | -12.83 | 6.26 |
| MVB Financial Corp | 195.09m | 24.37m | 240.32m | 445.00 | 9.94 | 0.8206 | 8.30 | 1.66 | 1.88 | 1.88 | 11.15 | 22.73 | -- | -- | -- | -- | 0.6842 | 1.07 | -- | -- | -- | -- | 16.73 | 19.39 | -- | -- | -- | 21.75 | 50.70 | 22.16 | 81.14 | 14.29 | -6.59 | 43.95 |
| USCB Financial Holdings Inc | 109.53m | 15.35m | 240.91m | 196.00 | 15.69 | 1.24 | 15.13 | 3.68 | 0.7816 | 0.7816 | 3.34 | 9.92 | -- | -- | -- | -- | 0.6597 | -- | -- | -- | -- | -- | 23.42 | -- | -- | -- | -- | -- | 42.08 | -- | -17.85 | -- | -- | -- |
| John Marshall Bancorp Inc | 104.24m | 3.06m | 246.59m | 133.00 | 80.02 | 1.05 | -- | 7.46 | 0.2167 | 0.2167 | 2.35 | 16.51 | -- | -- | -- | -- | 0.1329 | -- | -- | -- | -- | -- | 9.25 | -- | -- | -- | -- | -- | 19.87 | -- | -83.77 | -- | -- | -- |
| LINKBANCORP Inc | 65.20m | -11.97m | 247.99m | 342.00 | -- | 0.9345 | -- | 6.23 | -0.5047 | -0.5047 | 2.24 | 7.11 | -- | -- | -- | -- | -0.6244 | -- | -- | -- | -- | -- | -30.07 | -- | -- | -- | -- | -- | 61.93 | -- | -313.79 | -- | -- | -- |
| West Coast Community Bancorp | 94.91m | 35.15m | 248.68m | -- | 7.10 | -- | -- | 2.88 | 4.18 | 4.18 | 10.27 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 40.71 | 36.71 | -- | -- | -- | -- | 31.71 | 25.40 | 13.59 | 25.30 | -- | 60.76 |
| Waterstone Financial Inc | 104.22m | 10.26m | 252.23m | 698.00 | 24.88 | 0.7563 | 19.06 | 1.92 | 0.5161 | 0.5161 | 6.67 | 16.98 | -- | -- | -- | -- | 0.4717 | 2.07 | -- | -- | -- | -- | 7.80 | 20.98 | -- | -- | -- | 61.31 | 41.23 | 6.12 | -51.89 | -21.15 | -29.30 | 9.34 |
| Southern California Bancorp | 125.04m | 22.62m | 259.42m | 204.00 | 11.57 | 0.8868 | 10.60 | 2.07 | 1.21 | 1.21 | 6.69 | 15.79 | 0.0546 | -- | 7.33 | 612,946.10 | 0.9874 | -- | 7.59 | -- | -- | -- | 18.09 | -- | -- | 1.93 | 0.871 | -- | 31.35 | -- | 60.80 | -- | -- | -- |
Data as of May 16 2024. Currency figures normalised to USCB Financial Holdings Inc's reporting currency: US Dollar USD
31.32%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Endeavour Capital Advisors, Inc.as of 31 Dec 2023 | 1.30m | 6.63% |
| AllianceBernstein LPas of 31 Dec 2023 | 972.48k | 4.95% |
| Mendon Capital Advisors Corp.as of 31 Dec 2023 | 841.34k | 4.28% |
| Curi RMB Capital LLCas of 31 Dec 2023 | 695.67k | 3.54% |
| BlackRock Fund Advisorsas of 31 Mar 2024 | 580.42k | 2.95% |
| Pacific Ridge Capital Partners LLCas of 31 Mar 2024 | 434.60k | 2.21% |
| The Vanguard Group, Inc.as of 31 Mar 2024 | 427.44k | 2.18% |
| Maltese Capital Management LLCas of 31 Dec 2023 | 420.30k | 2.14% |
| Basswood Capital Management LLCas of 31 Dec 2023 | 246.18k | 1.25% |
| River Oaks Capital LLCas of 30 Sep 2023 | 234.60k | 1.19% |
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Data from 30 Sep 2023 - 31 Mar 2024Source: FactSet Research Systems Inc.
