USCB · Uscb Financial Holdings, Inc.
$22.50
+0.13 (+0.58%)
At close · Aug 20
Market Cap
$415.68M
Shares
18.47M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$22.50
Open$22.31
Day$22.24–22.65
52W close$16.44–22.67
Avg vol 30d60K
Short int228K · 1.2% float · 3.3d
Short vol84%
Last earningsJul 24, 2026
DataJul 2021–Aug 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Oct 23, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+17%
above
Price vs 50-day avg
+8%
above
RSI (14)
61
neutral
MACD trend
Negative
52-week position
97%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+12%
trailing
6-month return
+16%
trailing
YTD return
+22%
this year
Relative strength
+4%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $21 › 200d $19 — 50d above 200d
Institutional flow
Flat
0% holders QoQ · +8 funds added
Insider flow
Distributing
Net -$19.0K over 90 days · 100% sells
Short interest
Rising
1.23% of float · ▲ +1.6% MoM · 3.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
93 holders — near 3-yr high, broad support
Squeeze score
44
elevated · 0–100
Fundamentals
EPS growth
+7%
Y/Y
Free cash flow
$42.5M
Balance sheet
$38.5M
net cash
Quant / Vol
risk profile
Volatility
28%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
2.9%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Jun 30, 2026
Tax rate
· the remainder of the year
25%
Prior guidance
period ended
· from the Earnings Call filed Mar 31, 2024
Additional interest income from interest rate swaps
· the year
$2M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+17%
Bullish
Price vs 50-day avg
+8%
Bullish
RSI (14)
61
Neutral
MACD trend
Negative
Bearish
52-week position
97%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $21 › 200d $19 — 50d above 200d
Institutional flow
Flat
0% holders QoQ · +8 funds added
Insider flow
Distributing
Net -$19.0K over 90 days · 100% sells
Short interest
Rising
1.23% of float · ▲ +1.6% MoM · 3.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
93 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $16
Now $23 · 97%
Range high $23
vs 200-day avg +17%
vs 50-day avg +8%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ACL coverage ratio | 1.15% | Q2 2026 | — |
| Annualized return on average assets | 1.26% | Q2 2026 | — |
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| Annualized return on average stockholders' equity | 15.9% | Q2 2026 | — |
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| Average DDA | 47.4M | Q2 2026 | — |
| Average deposit | 61.9M | Q2 2026 | — |
| Average loans | 81.2M | Q2 2026 | — |
| Deposit cost | 2.16% | Q2 2026 | — |
| Efficiency ratio | 49.97% | Q2 2026 | — |
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| EOP common stock shares outstanding | 18,459,470 | Q2 2026 | — |
| Full-time equivalent employees | 216 | Three Months Ended 6/30/2026 | — |
| Gross loan production | 272M | Q2 2026 | — |
| Leverage Ratio | 8.81% | Q2 2026 | — |
| Loan/deposit ratio | 94.7% | Q2 2026 | — |
| Net charge-offs to average loans | 0.05% | Q2 2026 | — |
| Net interest margin | 3.49% | Q2 2026 | — |
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| Non-interest expense/Average assets non-GAAP | 1.93% | Q2 2026 | — |
| Non-performing loans | 2.1M | Q2 2026 | — |
| Non-performing loans to total loans | 0.09% | Q2 2026 | — |
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| Operating diluted net income per common share non-GAAP | $0.49 | Three Months Ended 6/30/2026 | — |
| Operating efficiency ratio non-GAAP | 49.97% | Three Months Ended 6/30/2026 | — |
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| Operating efficiency ratio (reconciliation) non-GAAP | 49.37% | Q2 2026 | — |
| Operating net income non-GAAP | $9.08M | Three Months Ended 6/30/2026 | — |
| Operating return on average assets non-GAAP | 1.26% | Three Months Ended 6/30/2026 | — |
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| Operating return on average equity non-GAAP | 15.9% | Three Months Ended 6/30/2026 | — |
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| Operating revenue non-GAAP | $27.95M | Three Months Ended 6/30/2026 | — |
| PTPP income non-GAAP | $13.98M | Three Months Ended 6/30/2026 | — |
| PTPP return on average assets non-GAAP | 1.93% | Three Months Ended 6/30/2026 | — |
| PTPP ROAA non-GAAP | 1.93% | Q2 2026 | — |
| ROAA | 1.26% | Q2 2026 | — |
| ROAE | 15.9% | Q2 2026 | — |
| Securities portfolio | $469M | Q2 2026 | — |
| Tangible book value per common share non-GAAP | $12.64 | Three Months Ended 6/30/2026 | — |
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| Tangible Common Equity/Tangible Assets non-GAAP | 7.72% | Three Months Ended 6/30/2026 | — |
| TCE/TA non-GAAP | 7.72% | Q2 2026 | — |
| Tier 1 Risk-Based Capital | 11.01% | Q2 2026 | — |
| Total loan balance | $2.32B | Q2 2026 | — |
| Total risk-based capital ratio | 13.88% | Q2 2026 | — |
| ACL as a percentage of total loans | 1.16% | Q1 FY2026 | — |
| Total risk-based capital ratio (Bank) | 13.96% | Q1 FY2026 | — |
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| Total risk-based capital ratio (Company) | 14.09% | Q1 FY2026 | — |
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| Allowance for credit losses | $25.5M | Q4 FY2025 | — |
| Allowance for credit losses as a percent of total loans | 1.16% | Q4 FY2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
USCB
this stock
Uscb Financial Holdings, Inc.
|
$415.68M | +22.1% | — | — | 1.2% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| USCB | -0.6% | +11.5% | +15.6% | +2.4% | +22.2% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | +1.4% | +8.2% | +4.4% | +0.3% | +10.3% |
Capital returns
Latest dividend
$0.125
/ share · ex Aug 17, 2026
Paid (TTM)
$0.475
/ share · 4 payouts
Dividend yield (TTM, derived)
2.11%
Buyback program
· as of Jun 30, 2026
Authorized
shares 474,834
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1901637
CUSIP
90355N101
13F (30d)
90 filings
89 filers
Visit website
Investor relations