USCB Financial Holdings, Inc.

How big is USCB Financial Holdings, Inc.?

As of Jun 18, USCB Financial Holdings, Inc. has a market capitalization of 316.36 million and reported interest earned of 134.33 million with a net profit of 27.72 million. The balance sheet shows shareholder's funds of 215.39 million and total assets of 2,585.60 million.

As of Jun 18, USCB Financial Holdings, Inc. has a market capitalization of 316.36 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the company reported a sum of interest earned for the latest four quarters of 134.33 million and a net profit of 27.72 million.<BR><BR>As of Dec 24, the balance sheet shows shareholder's funds of 215.39 million and total assets of 2,585.60 million.

What does USCB Financial Holdings, Inc. do?

USCB Financial Holdings, Inc. is a micro-cap regional bank with recent net sales of $34 million and a net profit of $8 million. Key metrics include a P/E ratio of 12.00 and a return on equity of 12.32%.

Overview: <BR>USCB Financial Holdings, Inc. operates in the regional banks industry and is classified as a micro-cap company.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 34 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 8 Million (Quarterly Results - Mar 2025) <BR>Market-cap: USD 316.36 Million (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 12.00 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 0.00 <BR>Return on Equity: 12.32% <BR>Price to Book: 1.41<BR><BR>Contact Details: <BR>Registrar Address: Not available.

Should I buy, sell or hold USCB Financial Holdings, Inc.?

Is USCB Financial Holdings, Inc. technically bullish or bearish?

As of September 10, 2025, USCB Financial Holdings, Inc. shows a neutral technical trend with mixed signals, underperforming the S&P 500 year-to-date but outperforming over the past year, suggesting a cautious investment approach.

As of 10 September 2025, the technical trend for USCB Financial Holdings, Inc. has changed from mildly bullish to sideways. The current technical stance is neutral, with mixed signals across different indicators. The weekly MACD is bullish, while the monthly MACD is mildly bearish. Bollinger Bands indicate bullishness on both weekly and monthly time frames. However, the daily moving averages are mildly bearish, and the Dow Theory shows a mildly bearish stance on a monthly basis. <BR><BR>In terms of performance, the stock has underperformed the S&P 500 year-to-date with a return of -1.97% compared to the S&P's 12.22%, but it has outperformed over the past year with a return of 12.91% against the S&P's 17.14%. Overall, the mixed indicators suggest a cautious approach.

Is USCB Financial Holdings, Inc. overvalued or undervalued?

As of November 28, 2025, USCB Financial Holdings, Inc. is considered overvalued with a valuation grade of expensive, reflected by its high P/E ratio of 12 and underperformance of -11.72% over the past year compared to the S&P 500's 14.18% return.

As of 28 November 2025, the valuation grade for USCB Financial Holdings, Inc. has moved from fair to expensive, indicating that the stock is overvalued. The company exhibits a P/E ratio of 12, a Price to Book Value of 1.47, and an EV to EBITDA of 8.95, which are relatively high compared to its peers. For instance, Orrstown Financial Services, Inc. has a P/E of 10.63, while Unity Bancorp, Inc. shows a more attractive P/E of 11.21.<BR><BR>In comparison to the S&P 500, USCB Financial Holdings has underperformed over the past year, with a return of -11.72% compared to the index's 14.18%. This underperformance, along with its expensive valuation metrics, reinforces the conclusion that the stock is overvalued in the current market environment.