USCB
Uscb Financial Holdings, Inc.Price & Indicators
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Annualized return on average assets | 1.34% | the quarter ended March 31, 2026 | — |
| Efficiency ratio | 52.34% | the quarter ended March 31, 2026 | — |
| Net interest margin | 3.27% | the quarter ended March 31, 2026 | — |
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| allowance for credit losses to loans | 1.16% | Q1 2026 call | — |
| association banking deposits | 160M | Q1 2026 call | — |
| deposit cost | 2.2% | Q1 2026 call | — |
| deposit-focused business verticals deposits | 747M | Q1 2026 call | — |
| gross loan production | 188M | Q1 2026 call | — |
| nonperforming loans to total loans | 0.16% | Q1 2026 call | — |
| NPA to assets non-GAAP | 0.13% | Q1 2026 call | — |
| operating diluted earnings per share non-GAAP | $0.47 | Q1 2026 call | — |
| operating return on average assets non-GAAP | 1.25% | Q1 2026 call | — |
| operating return on average equity non-GAAP | 15.92% | Q1 2026 call | — |
| tangible book value per share | $12.23 | Q1 2026 call | — |
| total risk-based capital | 14.09% | Q1 2026 call | — |
| ACL as a percentage of total loans | 1.16% | Q4 FY2025 | — |
| Ratio of non-performing loans to total loans | 0.14% | Q4 FY2025 | — |
| Total risk-based capital ratio (Bank) | 13.67% | Q4 FY2025 | — |
| Total risk-based capital ratio (Company) | 13.91% | Q4 FY2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
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.
|
$378.15M | +14.4% | — | — | 1.3% |
|
HDB
Hdfc Bank Ltd
|
$134.84B | -28.0% | +15.2% | — | 0.4% |
|
MFG
Mizuho Financial Group Inc
|
$125.72B | +41.0% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$106.15B | -0.8% | — | — | 0.7% |
|
PNC
Pnc Financial Services Group, Inc.
|
$102.48B | +23.2% | +7.2% | 14.8 | 1.9% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| USCB | +4.5% | +8.6% | +1.8% | +2.4% | +14.4% |
| SPY | -0.1% | +0.1% | +9.0% | +0.5% | +10.1% |
| vs SPY | +4.6% | +8.5% | -7.2% | +1.8% | +4.3% |
Capital returns
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.