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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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Blue Foundry Bancorp | 81.12m | -9.03m | 262.70m | 179.00 | -- | 0.7581 | -- | 6.38 | -0.3936 | -0.3936 | 1.78 | 14.61 | -- | -- | -- | -- | -0.4373 | -- | -- | -- | -- | -- | -21.93 | -- | -- | -- | -- | -- | 26.74 | -- | -408.72 | -- | -- | -- |
| PCB Bancorp | 160.20m | 25.02m | 262.94m | 268.00 | 10.58 | 0.936 | 9.64 | 2.69 | 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 |
| First of Long Island Corp | 160.96m | 24.19m | 282.13m | 288.00 | 11.72 | 0.7468 | 10.32 | 3.08 | 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 |
| Civista Bancshares Inc | 191.32m | 35.08m | 283.40m | 539.00 | 7.78 | 0.7667 | 5.88 | 1.82 | 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 |
| Blue Ridge Bankshares Inc | 170.64m | -58.64m | 284.56m | 507.00 | -- | 0.2988 | -- | 2.43 | -3.09 | -3.09 | 6.17 | 9.24 | -- | -- | -- | -- | -1.83 | 0.5045 | -- | -- | -- | -- | -50.00 | 8.48 | -- | -- | -- | 50.96 | 32.57 | 49.76 | -287.75 | -- | -14.44 | -- |
| Waterstone Financial Inc | 104.22m | 10.26m | 284.83m | 698.00 | 28.09 | 0.8541 | 21.53 | 2.17 | 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 States Bancshares Inc | 142.30m | 32.40m | 287.92m | 181.00 | 9.01 | 1.29 | 8.49 | 3.04 | 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 | -- |
| Pioneer Bancorp Inc | 83.84m | 15.84m | 289.65m | 243.00 | 17.74 | 1.00 | 15.70 | 3.84 | 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 | -- |
| USCB Financial Holdings Inc | 109.53m | 15.35m | 298.88m | 196.00 | 19.46 | 1.53 | 18.76 | 4.56 | 0.7816 | 0.7816 | 3.34 | 9.92 | -- | -- | -- | -- | 0.6597 | -- | -- | -- | -- | -- | 23.42 | -- | -- | -- | -- | -- | 42.08 | -- | -17.85 | -- | -- | -- |
| Sterling Bancorp Inc | 130.65m | 7.72m | 301.75m | 248.00 | 38.20 | 0.9224 | 33.63 | 4.65 | 0.1518 | 0.1518 | 1.28 | 6.29 | -- | -- | -- | -- | 0.3199 | 0.2152 | -- | -- | -- | -- | 11.89 | 6.75 | -- | -- | -- | 7.73 | 26.88 | -4.76 | 152.23 | -34.91 | -34.26 | -- |
| Northeast Community Bancorp Inc | 150.62m | 48.12m | 315.60m | 135.00 | 6.35 | 1.05 | 8.72 | 3.02 | 3.54 | 3.54 | 7.67 | 21.44 | -- | -- | -- | -- | 2.71 | -- | -- | -- | -- | -- | 46.07 | -- | -- | -- | -- | -- | 84.01 | -- | 86.27 | -- | -- | -- |
| MVB Financial Corp | 195.09m | 24.37m | 317.38m | 445.00 | 13.13 | 1.08 | 10.96 | 2.19 | 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 |
| First Internet Bancorp | 255.57m | 16.62m | 320.35m | 287.00 | 19.56 | 0.8735 | 13.83 | 3.05 | 1.89 | 1.89 | 11.96 | 42.37 | -- | -- | -- | -- | 0.3303 | 0.6841 | -- | -- | -- | -- | 15.81 | 28.26 | -- | -- | -- | 7.95 | 52.60 | 15.70 | -76.32 | -17.41 | 19.32 | 0.00 |
| West Coast Community Bancorp | 94.91m | 35.15m | 324.02m | -- | 9.21 | -- | -- | 3.75 | 4.18 | 4.18 | 10.27 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 40.71 | 36.71 | -- | -- | -- | -- | 31.71 | 25.40 | 13.59 | 25.30 | -- | 60.76 |
| FS Bancorp Inc | 173.46m | 35.68m | 325.95m | 570.00 | 9.13 | 1.17 | 6.74 | 2.27 | 4.58 | 4.58 | 18.40 | 35.61 | -- | -- | -- | -- | 1.26 | 1.50 | -- | -- | -- | -- | 25.28 | 26.93 | -- | -- | -- | 15.88 | 40.86 | 21.82 | 21.93 | 7.82 | -15.13 | 30.42 |
| Citizens & Northern Corporation | 117.70m | 23.03m | 328.74m | 404.00 | 14.11 | 1.26 | 12.79 | 3.16 | 1.52 | 1.52 | 6.85 | 17.01 | -- | -- | -- | -- | 0.9372 | 1.13 | -- | -- | -- | -- | 22.28 | 24.90 | -- | -- | -- | 70.50 | 22.51 | 17.66 | -9.17 | 1.81 | 14.18 | 0.73 |
Data as of Jul 24 2024. Currency figures normalised to USCB Financial Holdings Inc's reporting currency: US Dollar USD
28.48%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Endeavour Capital Advisors, Inc.as of 31 Mar 2024 | 1.37m | 6.98% |
| AllianceBernstein LPas of 31 Mar 2024 | 917.68k | 4.67% |
| Curi RMB Capital LLCas of 31 Mar 2024 | 695.67k | 3.54% |
| BlackRock Fund Advisorsas of 31 Mar 2024 | 580.42k | 2.95% |
| Basswood Capital Management LLCas of 31 Mar 2024 | 450.49k | 2.29% |
| 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 Mar 2024 | 375.00k | 1.91% |
| Geode Capital Management LLCas of 31 Mar 2024 | 225.52k | 1.15% |
| SSgA Funds Management, Inc.as of 31 Mar 2024 | 119.92k | 0.61% |
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Data from 31 Mar 2024 - 31 Mar 2024Source: FactSet Research Systems Inc.
