USCB Financial Holdings, Inc. (USCB) stock analysis

In our weekly check, USCB Financial Holdings, Inc. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 3, red flags: 6.

About USCB Financial Holdings, Inc.

USCB Financial Holdings, Inc. is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as USCB.

What our checks show for USCB

Red flags

• The net margin fell by 12.8 points over 5 years, to 20.1%: the company keeps less of each sale as profit.
• The gross margin fell by 27 points, to 66.6%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 5.6% a year.
• Thinly traded (about 74 thousand shares a day): buying and selling can move the price.
• Return on capital (ROCE) is only 1.3%.

Warning signs

• A small company (market value $367 million): usually riskier and followed by fewer analysts.
• The stock has fallen as much as 44% from a peak. Would you have held through that?

Strengths

• Operating cash flow is 1.46x net profit: the profit arrives as real cash.
• Analysts expect earnings per share to grow about 19.7% a year over the next years.
• Analysts expect the net margin to improve by 14.7 points from today's 20.1%.
• Revenue grew 24.1% a year over the last 3 years.
• Earnings per share grew 16.5% a year over the last 3 years.
• Net profit grew 13.3% a year over the last 3 years.

Next earnings report: 2027-01-28

Similar companies

CHMG · RBB · PLBC · BMRC · HBCP

Questions

What grade does USCB Financial Holdings, Inc. (USCB) have?

In our weekly check, USCB Financial Holdings, Inc. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 3, red flags: 6. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of USCB stock?

This week's biggest flags for USCB Financial Holdings, Inc.: Margins falling, Gross margin falling, Weak revenue forecast. In total 9 of 25 checks show a warning or a red flag.

What does USCB Financial Holdings, Inc. do?

USCB Financial Holdings, Inc. is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as USCB.

When does USCB Financial Holdings, Inc. report earnings next?

The next earnings report is expected on 2027-01-28. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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