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Stock Research: USCB

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USCB

NMQ:USCB US90355N1019
62
  • Value
    82
  • Growth
    81
  • Safety
    Safety
    19
  • Combined
    67
  • Sentiment
    39
  • 360° View
    360° View
    62
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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: With an Obermatt 360° View of 62 (better than 62% compared with alternatives), overall professional sentiment and financial characteristics for the stock USCB are above average. The 360° View is based on consolidating four consolidated indicators, with half of the metrics below and half above average for USCB. The consolidated Value Rank has an attractive rank of 82, which means that the share price of USCB is on the lower side compared with the typical size in indicators such as revenues, profits, and invested capital. This means the stock price is lower than for 82% of alternative stocks in the same industry. The consolidated Growth Rank has a good rank of 81, 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. But the professional market sentiment is below average compared with other stock investment alternatives with a Sentiment Rank of 39. Professional investors are more confident in 61% other stocks. Worryingly, the company has risky financing, with a Safety rank of 19. This means 81% of comparable companies have a safer financing structure than USCB. ...read more

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Strongest Rank Refinancing
Weakest Rank Value
Country USA
Industry Regional Banks
Size X-Small
Website uscentury.com
Index
NASDAQ
USCB stock price by TradingView. Not sourced by Obermatt.
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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: 13-Mar-2026.

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
Combined
Consolidated view across Value, Growth, and Safety.
Good Tread Carefully
Growth
Shows a company's growth potential.
High Growth Tough Times
Sentiment
Shows what the market thinks of a stock.
Positive Sentiment Skepticism
Safety
Safety
Assesses how financially secure a company is.
Well-Financed High Leverage
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 2025 2024 2023
Value
82 23 37 19
Growth
81 100 69 69
Safety
Safety
19 10 55 21
Sentiment
39 65 55 71
360° View
360° View
62 58 41 37
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Metrics Current 2025 2024 2023
Analyst Opinions
40 28 62 58
Opinions Change
50 91 50 50
Pro Holdings
n/a 48 43 18
Market Pulse
17 82 46 92
Sentiment
39 65 55 71
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Metrics Current 2025 2024 2023
Value
82 23 37 19
Growth
81 100 69 69
Safety Safety
19 10 55 21
Combined
67 31 39 17
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
54 33 49 38
Price vs. Earnings (P/E)
57 54 56 94
Price vs. Book (P/B)
55 9 35 12
Dividend Yield
77 24 1 1
Value
82 23 37 19
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Metrics Current 2025 2024 2023
Revenue Growth
62 78 100 67
Profit Growth
52 80 42 68
Capital Growth
73 87 25 59
Stock Returns
59 99 57 57
Growth
81 100 69 69
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Metrics Current 2025 2024 2023
Leverage
26 61 82 62
Refinancing
5 30 1 26
Liquidity
52 51 49 19
Safety Safety
19 10 55 21

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This is a mixed bag with good value and high growth balanced by risky financing and negative sentiment. This is a risky stock that requires conviction; you should only consider it if you are willing to conduct further research into the underlying sentiment and financial risks.

Obermatt provides unbiased stock analysis as a completely independent third party. We have no conflicts of interest with individual stock titles. Our data-driven analysis is based on algorithms honed over twelve years, giving you analysis that is free from personal bias and conflicts of interest.

The 360° View Rank indicates a company's overall performance across all major financial and non-financial metrics tracked by Obermatt. A 360° View Rank of 75 means the company is more well-rounded than 75% of similar companies. A high score indicates that the company is strong across the board; it is attractively priced, growing sustainably, financially stable, and well-regarded by the market. Learn more.

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