USCB Financial Holdings, Inc.
USCBFinancial ServicesNASDAQBanks - Regional · Last scanned Jun 3, 2026
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Daily timeframeUSCB Financial Holdings, Inc. operates as the bank holding company for U.S. With a market capitalization of $339.0M, it sits in small-cap territory. Century Bank that provides various personal and business banking products and services in the United States.
Market Cap
$339.0M
Beta
0.53
P/E (TTM)
12.63
P/E (Fwd)
8.44
EPS (TTM)
$1.47
EPS (Fwd)
$2.20
ROE
12.4%
ROA
1.0%
Cash
$87.9M
Total Debt
$105.9M
Free CF
—
52W Change
15.0%
Annual Financials
Cash vs Debt
USCB Financial Holdings, Inc. carries $105.9M in total debt against $87.9M in cash reserves — debt is modestly above the cash position. Managing this leverage effectively will be important for long-term financial stability. Return on equity stands at 12.4%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.0% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $68.7M (2022) to $90.2M (2025), reflecting a 31% increase over the period.
USCB's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing USCB.