US Century Bank (USCB)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 22.40 $ — 96% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/04/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AAQS
7/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 22.6%
- Exp. sales growth 3Y > 5% -9.7%
- EBIT growth 10Y > 5% 16.9%
- Exp. EBIT growth 3Y > 5% 28.0%
- Net debt < 4x EBIT 0.2x
- EBIT positive, 10Y straight 7
- Max. EBIT decline < 50% 47.5%
- Return on equity > 15% 12.3%
- ROCE > 15% 12.2%
- Expected return > 10% 41.4%
View all AAQS quality stocks · Read the methodology at AlleAktien
Source: fundamental data
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
8 of 10 Growth gemTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 25.9% passed
- More than 10% revenue growth is expected for the coming year 8.9% failed
- Share count grows by less than 3% a year -3.1% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 33.6% failed
- Gross margin at 40% or higher and without meaningful erosion 58.1% passed
- Goodwill from acquisitions does not grow faster than revenue 0.0% passed
- Net debt below twice EBITDA 0.2 x EBITDA passed
- Operating cash flow covers the profits of the last three years 32 m passed
- Return on capital at 15% or higher, or up versus two years ago 12.2% passed
- Insiders hold at least 10% or are net buyers 24.6% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 8.3% above the current price.
- Consensus
- Hold
- Analyst Ratings
- 5
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 2.09 | 2.08 – 2.12 | 113 | 30.2% | 5 |
| 12/31/2027 | 2.33 | 2.28 – 2.45 | 124 | 11.5% | 5 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.55 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.38 | 153.70 | 38 | 29.00 | 18.30 | -3 | -3 |
| 2025: Q1 | 0.42 | 66.00 | 38 | 13.00 | 20.30 | 15 | 15 |
| 2025: Q2 | 0.45 | 31.10 | 40 | 10.30 | 20.60 | 18 | 18 |
| 2025: Q3 | 0.49 | 28.60 | 41 | 11.90 | 21.60 | 20 | 20 |
| 2025: Q4 | 0.07 | -80.30 | 34 | -11.50 | 4.10 | -10 | -10 |
| 2026: Q1 | 0.51 | 22.10 | 26 | -30.50 | 35.70 | 15 | 15 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2019 | 45 | 14 | 10 | 1.03 | 14 | 160 | 1,312 |
| 2020 | 59 | 13 | 11 | 0.56 | 13 | 171 | 1,502 |
| 2021 | 15 | 7 | 6 | 0.29 | 22 | 204 | 1,854 |
| 2022 | 76 | 27 | 20 | 1.00 | 30 | 182 | 2,086 |
| 2023 | 108 | 22 | 17 | 0.84 | 23 | 192 | 2,339 |
| 2024 | 144 | 32 | 25 | 1.24 | 34 | 215 | 2,581 |
| 2025 | 152 | 36 | 26 | 1.42 | 43 | 212 | 2,800 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
USCB Financial Holdings, Inc. ist die Bankholding der U.
| Employees | 216 |
|---|---|
| Headquarters | Doral, FL |
| Address | 2301 NW 87th Avenue, 33172 Doral, United States |
| Phone | 305 715 5200 |
| Website | uscentury.com |
| IPO Date | 23. Jul 2021 |
| ISIN | US90355N1019 |
| Stock Split | 1:1 on 12/30/2021 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Luis F. de la Aguilera | President, CEO & Chairman | 1960 |
| Robert B. Anderson CPA | Executive VP & CFO | 1966 |
| Nicholas G. Bustle | Executive VP & Chief Corporate Lending Officer | 1963 |
| Andres L. Collazo | Executive VP and Director of Operations & Information Technology Systems | 1964 |
| Roberto Diaz CPA | Senior VP, Controller & Chief Accounting Officer | – |
| Martha Guerra-Kattou | Executive VP and Director of Sales & Marketing | 1969 |
| Jessica Goldberg | Senior VP & Human Resources Director | – |
| Oscar Gomez | Executive VP & Head of Global Banking Division | 1955 |
| Sergio E. Garrido | Senior VP & Chief Credit Officer | – |
| Maricarmen Logrono | Executive VP, Chief Risk Officer & Corporate Secretary | 1979 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 6. Jul 2026 | Garrido Sergio E. | SVP, Chief Credit Officer | Other | 15,000 | 0.00 | – |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: August 3, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.