Uscb Financial Holdings, Inc. (USCB) Stock Price & Analysis
Uscb Financial Holdings, Inc. (USCB) rose 6.38% to USD 21.67 as of July 26, 2026 at 11:58 UTC, according to Nexqual real-time market data.
USCB last closed at USD 20.37; the session ranged USD 20.3–21.83 on volume of 97,506 shares. Market capitalization is $395.78M, with a 52-week range of USD 16.06–21.83 (NGM). Source: Nexqual, July 26, 2026 at 11:58 UTC.
Key Statistics (as of July 26, 2026 at 11:58 UTC)
| Price | USD 21.67 |
|---|---|
| Change | ▲ 6.38% (up) |
| Previous Close | USD 20.37 |
| Open | USD 20.5 |
| Day Range | USD 20.3 – 21.83 |
| 52-Week Range | USD 16.06 – 21.83 |
| Volume | 97,506 shares |
| Market Cap | $395.78M |
| Exchange | NGM |
Technical Analysis (USCB)
Nexqual's technical model rates USCB "BUY" based on 5 bullish and 2 bearish signals across 125 daily candles, as of July 26, 2026 at 11:58 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 69.57 (neutral) |
| vs SMA50 | Above (USD 19.46) |
| MACD | 0.34 (positive) |
Analyst Ratings (USCB)
Wall Street analysts rate USCB "Buy" based on 5 analysts, with a mean price target of USD 21.9 (range USD 20–24), per Nexqual as of July 26, 2026 at 11:58 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 5 |
| Mean Target | USD 21.9 |
| High Target | USD 24 |
| Low Target | USD 20 |
| Buy / Hold / Sell | 3 / 2 / 0 |
Earnings (USCB)
| Next Earnings Date | 2026-10-22 |
|---|---|
| EPS Estimate | USD 0.51 |
| Revenue Estimate | $27.66M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.49 vs est 0.49 ▲ beat |
| 2026-03-31 | USD 0.51 vs est 0.47 ▲ beat |
| 2025-12-31 | USD 0.24 vs est 0.5 ▼ miss |
| 2025-09-30 | USD 0.45 vs est 0.42 ▲ beat |
Source: Nexqual, July 26, 2026 at 11:58 UTC.
Financials & Fundamentals (USCB)
| Total Revenue | $91.17M |
|---|---|
| Revenue Growth (YoY) | +14.70% |
| Gross Margin | +0.00% |
| Operating Margin | +47.92% |
| Profit Margin | +30.48% |
| ROE | +12.40% |
| Total Cash | $87.88M |
| Total Debt | $105.93M |
Source: Nexqual, July 26, 2026 at 11:58 UTC.
Financial Health Score (USCB)
Nexqual rates Uscb Financial Holdings, Inc.'s overall financial health "Mixed" across five dimensions, as of July 26, 2026 at 11:58 UTC.
| Growth | Solid — Revenue +9% YoY (annual) |
|---|---|
| Profitability | Critical — Gross margin 0% |
| Balance Sheet | Mixed — $88M cash vs $106M debt |
| Cash Flow | Solid — Operating cash flow $43M |
| Efficiency | Mixed — ROE 12%, ROA 1.0% |
Ownership (USCB)
| Insider Ownership | +32.61% |
|---|---|
| Institutional Ownership | +56.90% |
| Shares Outstanding | 18.26M |
| Float | 16.56M |
| Short % of Float | +1.93% |
Source: Nexqual, July 26, 2026 at 11:58 UTC.
Leadership (USCB)
Uscb Financial Holdings, Inc. is led by Luis F. de la Aguilera (age 65), President, CEO & Chairman, per Nexqual as of July 26, 2026 at 11:58 UTC.
| President, CEO & Chairman | Luis F. de la Aguilera (age 65) |
|---|---|
| Executive VP & CFO | Robert B. Anderson (age 59) |
| Executive VP and Director of Operations & Information Technology Systems | Andres L. Collazo (age 61) |
| Executive VP and Director of Sales & Marketing | Martha Guerra-Kattou (age 56) |
| Senior VP & Human Resources Director | Jessica Goldberg |
Major Backers & Investors (USCB)
Notable institutional backers of Uscb Financial Holdings, Inc. include T. Rowe Price, Patriot Financial Partners Gp II, L.P., Endeavour Capital Advisors Inc, according to Nexqual as of July 26, 2026 at 11:58 UTC.
Active Investors
| Investor | Stake |
|---|---|
| T. Rowe Price | 12.19% |
| Patriot Financial Partners Gp II, L.P. | 10.16% |
| Endeavour Capital Advisors Inc | 5.61% |
| Alliancebernstein L.P. | 5.13% |
| Mendon Capital Advisors Corp | 3.14% |
| Curi Capital LLC | 2.89% |
| RMB Investors Trust-RMB Mendon Financial Services Fund | 2.89% |
| Wellington Management | 2.51% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 6.36% |
| Vanguard Group | 5.26% |
Source: Nexqual, July 26, 2026 at 11:58 UTC.
From Uscb Financial Holdings, Inc.'s Latest SEC 10-K Filing (filed 2026-03-13)
Key Strengths & Strategy (as disclosed to the SEC)
- As of December 31, 2025, the Bank continued to be a Preferred Lending Partner with the SBA which allows us to offer the full range of SBA loan products and to exercise lending authority at the local bank level, allowing us to make timely credit decisions for prospective clients. • Yacht lending: Our yacht lending vertical provides yacht financing for larger vessels; transactions range from $750 thousand to $7.5 million.
- We manage our credit risk by analyzing metrics related to our different lines of business, which allows us to maintain a conservative and well-diversified loan portfolio reflective of our assessment of various industry sectors.
Partnerships
- Under Florida law, we are prohibited from declaring a dividend at any time at which our net income from the current year combined with the retained net income from the preceding two years is a loss or which would cause our capital accounts to fall below the minimum amount required by law, regulation, order, or any written agreement with a state or federal regulatory agency.
- The 7(a) loan program, SBA's most common loan program, includes financial help for small businesses with special requirements while the 504 loan program provides long-term, fixed-rate financing of up to $5.0 million for major fixed assets that promote business growth and job creation.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| TCBX | Third Coast Bancshares, Inc. | USD 42.75 | ▲ 6.5% |
| OBT | Orange County Bancorp, Inc. | USD 37.69 | ▲ 1.34% |
| FRST | Primis Financial Corp. | USD 15.34 | ▼ 2.6% |
| MYFW | First Western Financial, Inc. | USD 31.97 | ▼ 1.33% |
| SPFI | South Plains Financial, Inc. | USD 44.63 | ▲ 1.8% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 26, 2026 at 11:58 UTC. This page is informational and not investment advice.