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USCB

NMQ:USCB · US90355N1019
BanksX-Small

360

48
Profit price29
Cash yield83
Price/Sales57
EV / Gross Profit40
Price/Book58
Returns on capital79
Profit margins—
Cash Conversion89
Accruals31
Owner Earnings Margin54
Sales growth65
Profit Growth51
Owner Earnings Growth13
Reinvestment22
Price momentum62
Debt load54
Debt serviceability45
Liquidity57
Analyst ratings33
Opinion Changes50
Price Target Upside76
Market mood45
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

USCB clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQGM
Founded2021
Employees150
Websiteuscentury.com
ISINUS90355N1019
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
BankingCommunitiesFinancial ServicesInsurance

Description

USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various banking services. The company is a bank holding company registered with the Board of Governors of the Federal Reserve System (the ‘Federal…

Analysis

Hope premium

USCB Financial Holdings, Inc. carries what we call a hope premium: an average business trading at an ambitious price.

The price is attractive. You pay 12.8× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is adequate. The company scores 10/20 on our value-creation score: creating some value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
81
2023202420252026

All-time high

81

Jun 2026

All-time low

37

Jan 2023

Average rank

58

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
57
33
49
38
Price/Earnings
56
54
56
94
Price/Book
58
9
35
12
Dividend Yield
83
24
1
1
Value (overall)
92
23
37
19

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →