USCB · Uscb Financial Holdings, Inc.
Price & Indicators
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AI Brief
TL;DR.
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 adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
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 written earnings releases and filings| Metric | Latest | Period | YoY |
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| ACL as a percentage of total loans | 1.15% | Q2 2026 | — |
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| Annualized return on average assets | 1.26% | Q2 2026 | — |
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| Efficiency ratio | 49.97% | Q2 2026 | — |
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| Net interest margin | 3.49% | Q2 2026 | — |
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| Ratio of non-performing loans to total loans | 0.09% | Q2 2026 | — |
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| Tangible book value per common share non-GAAP | $12.64 | Q2 2026 | — |
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| Total risk-based capital ratio (Bank) | 13.68% | Q2 2026 | — |
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| Total risk-based capital ratio (Company) | 13.88% | Q2 2026 | — |
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| Annualized return on average stockholders' equity | 17.07% | 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 | — |
| Operating efficiency ratio non-GAAP | 55.92% | fourth quarter 2025 | — |
| Operating return on average assets non-GAAP | 1.14% | fourth quarter 2025 | — |
| Operating return on average equity non-GAAP | 15.05% | fourth quarter 2025 | — |
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 |
|---|---|---|---|---|---|
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USCB
this stock
Uscb Financial Holdings, Inc.
|
$415.12M | +22.0% | — | — | 1.2% |
|
MFG
Mizuho Financial Group Inc
|
$132.42B | +48.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.92B | -36.0% | +15.2% | — | 0.5% |
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IBN
Icici Bank Ltd
|
$105.45B | -0.2% | — | — | 0.5% |
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PNC
Pnc Financial Services Group, Inc.
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$102.52B | +23.1% | +7.2% | 14.1 | 1.8% |
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 | +0.6% | +9.7% | +18.1% | +2.3% | +22.0% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | +0.2% | +5.3% | +4.4% | -1.6% | +8.1% |
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.