USCB Financial (USCB)


Market Price (9/22/2026): $22.88 | Market Cap: $419.8 MilSector: Financials | Industry: Regional Banks

USCB Financial (USCB)


Market Price (9/22/2026): $22.88
Market Cap: $419.8 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.7%, FCF Yield is 12%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -33%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 52%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 51%

Low stock price volatility
Vol 12M is 26%

Megatrend and thematic drivers
Megatrends include Community & Regional Banking. Themes include Small Business Lending, and Local Real Estate Financing.

Trading close to highs
Dist 52W High is -1.7%, Dist 3Y High is -1.7%

Key risks
USCB key risks include [1] significant geographic, Show more.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.7%, FCF Yield is 12%
1 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -33%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 52%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 51%
3 Low stock price volatility
Vol 12M is 26%
4 Megatrend and thematic drivers
Megatrends include Community & Regional Banking. Themes include Small Business Lending, and Local Real Estate Financing.
5 Trading close to highs
Dist 52W High is -1.7%, Dist 3Y High is -1.7%
6 Key risks
USCB key risks include [1] significant geographic, Show more.

USCB in ETFs

Weight = USCB's share of each fund

VTI0.00%
IWM0.01%
AVUV0.02%
VTWO0.01%
DFAS0.01%
IWO0.01%
IWN0.00%
DFAC0.00%

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 9/4/2026

USCB Financial (USCB) stock has gained about 25% since 5/31/2026 because of the following key factors:

1. Exceptional Fiscal Q2 2026 Earnings Performance. The company reported strong financial results for the fiscal quarter ended June 30, 2026, with net income of $9.1 million, or $0.49 per diluted share, representing a 22.5% year-over-year increase compared to $0.40 per diluted share in fiscal Q2 2025. This performance was further underscored by an expansion in net interest margin by 22 basis points to 3.49% from 3.27% in fiscal Q1 2026, and the achievement of an efficiency ratio of 49.97%, marking the first time it fell below 50%. Additionally, total assets surpassed $3 billion, an 11% increase from the prior year.

2. Robust Loan and Deposit Growth. USCB Financial demonstrated significant balance sheet expansion in fiscal Q2 2026, with average loans increasing $81.2 million, or 15.0% on an annualized basis compared to fiscal Q1 2026, driven by record quarterly loan production. Average deposits also grew by $61.9 million, or 10.2% annualized, with a notable $47.4 million increase in average demand deposit accounts.

Show more
Updated on 9/4/2026

USCB Financial (USCB) stock has gained about 25% since 5/31/2026 because of the following key factors:

1. Exceptional Fiscal Q2 2026 Earnings Performance. The company reported strong financial results for the fiscal quarter ended June 30, 2026, with net income of $9.1 million, or $0.49 per diluted share, representing a 22.5% year-over-year increase compared to $0.40 per diluted share in fiscal Q2 2025. This performance was further underscored by an expansion in net interest margin by 22 basis points to 3.49% from 3.27% in fiscal Q1 2026, and the achievement of an efficiency ratio of 49.97%, marking the first time it fell below 50%. Additionally, total assets surpassed $3 billion, an 11% increase from the prior year.

2. Robust Loan and Deposit Growth. USCB Financial demonstrated significant balance sheet expansion in fiscal Q2 2026, with average loans increasing $81.2 million, or 15.0% on an annualized basis compared to fiscal Q1 2026, driven by record quarterly loan production. Average deposits also grew by $61.9 million, or 10.2% annualized, with a notable $47.4 million increase in average demand deposit accounts.

3. Positive Analyst Sentiment and Upgraded Price Targets. Following the strong fiscal Q2 2026 results, multiple analyst firms reiterated or upgraded their ratings and increased price targets, contributing to positive market sentiment. The company received a consensus "Buy" rating from brokerages. Specific upgrades included Piper Sandler raising its price target from $24.00 to $27.00, and Keefe, Bruyette & Woods increasing its target from $22.00 to $24.00. The average 12-month price target among covering brokerages ranges from approximately $23.75 to $25.50.

4. Consistent Quarterly Dividends. The declaration of a regular quarterly cash dividend of $0.125 per share on Class A common stock, with an ex-dividend date of August 17, 2026, and payable on September 4, 2026, reinforced the company's financial stability and commitment to shareholder returns. This consistent dividend payout signals a healthy financial position to investors.

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Stock Movement Drivers

Fundamental Drivers

The 25.2% change in USCB stock from 5/31/2026 to 9/21/2026 was primarily driven by a 22.0% change in the company's P/E Multiple.
(LTM values as of)53120269212026Change
Stock Price ($)18.4423.0825.2%
Change Contribution By: 
Total Revenues ($ Mil)94973.8%
Net Income Margin (%)29.7%29.6%-0.4%
P/E Multiple12.114.722.0%
Shares Outstanding (Mil)1818-0.7%
Cumulative Contribution25.2%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2026 to 9/21/2026
ReturnCorrelation
USCB25.2% 
Market (SPY)2.5%8.6%
Sector (XLF)8.8%47.3%

Fundamental Drivers

The 23.4% change in USCB stock from 2/28/2026 to 9/21/2026 was primarily driven by a 27.7% change in the company's P/E Multiple.
(LTM values as of)22820269212026Change
Stock Price ($)18.7023.0823.4%
Change Contribution By: 
Total Revenues ($ Mil)95972.1%
Net Income Margin (%)33.2%29.6%-11.0%
P/E Multiple11.514.727.7%
Shares Outstanding (Mil)20186.4%
Cumulative Contribution23.4%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2026 to 9/21/2026
ReturnCorrelation
USCB23.4% 
Market (SPY)13.4%21.4%
Sector (XLF)9.6%45.0%

Fundamental Drivers

The 36.0% change in USCB stock from 8/31/2025 to 9/21/2026 was primarily driven by a 28.4% change in the company's P/E Multiple.
(LTM values as of)83120259212026Change
Stock Price ($)16.9723.0836.0%
Change Contribution By: 
Total Revenues ($ Mil)92975.8%
Net Income Margin (%)32.3%29.6%-8.5%
P/E Multiple11.514.728.4%
Shares Outstanding (Mil)20189.3%
Cumulative Contribution36.0%

LTM = Last Twelve Months as of date shown

Market Drivers

8/31/2025 to 9/21/2026
ReturnCorrelation
USCB36.0% 
Market (SPY)21.2%21.6%
Sector (XLF)5.1%46.5%

Fundamental Drivers

The 122.5% change in USCB stock from 8/31/2023 to 9/21/2026 was primarily driven by a 45.0% change in the company's P/E Multiple.
(LTM values as of)83120239212026Change
Stock Price ($)10.3723.08122.5%
Change Contribution By: 
Total Revenues ($ Mil)699740.0%
Net Income Margin (%)28.8%29.6%2.6%
P/E Multiple10.214.745.0%
Shares Outstanding (Mil)20186.8%
Cumulative Contribution122.5%

LTM = Last Twelve Months as of date shown

Market Drivers

8/31/2023 to 9/21/2026
ReturnCorrelation
USCB122.5% 
Market (SPY)78.3%34.3%
Sector (XLF)70.5%48.2%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
USCB Return1%-13%0%47%6%28%76%
Peers Return35%-12%-2%16%15%14%78%
S&P 500 Return27%-19%24%23%16%12%104%

Monthly Win Rates [3]
USCB Win Rate100%42%67%50%67%78% 
Peers Win Rate63%52%52%57%60%53% 
S&P 500 Win Rate75%42%67%75%67%44% 

Max Drawdowns [4]
USCB Max Drawdown--28%-30%-18%-20%-14% 
Peers Max Drawdown-22%-29%-38%-19%-23%-19% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, FITB, MTB, HBAN.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 9/21/2026 (YTD)

How Low Can It Go

EventUSCBS&P 500
2025 US Tariff Shock
  % Loss-17.0%-18.8%
  % Gain to Breakeven20.5%23.1%
  Time to Breakeven182 days79 days
Summer-Fall 2023 Five Percent Yield Shock
  % Loss-13.0%-9.5%
  % Gain to Breakeven14.9%10.5%
  Time to Breakeven18 days24 days
2023 SVB Regional Banking Crisis
  % Loss-28.7%-6.7%
  % Gain to Breakeven40.2%7.1%
  Time to Breakeven226 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-23.0%-24.5%
  % Gain to Breakeven29.9%32.4%
  Time to Breakeven57 days427 days

Compare to NEWT, ATLO, FITB, MTB, HBAN

In The Past

USCB Financial's stock fell -17.0% during the 2025 US Tariff Shock. Such a loss loss requires a 20.5% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventUSCBS&P 500
2023 SVB Regional Banking Crisis
  % Loss-28.7%-6.7%
  % Gain to Breakeven40.2%7.1%
  Time to Breakeven226 days31 days
2022 Inflation Shock & Fed Tightening
  % Loss-23.0%-24.5%
  % Gain to Breakeven29.9%32.4%
  Time to Breakeven57 days427 days

Compare to NEWT, ATLO, FITB, MTB, HBAN

In The Past

USCB Financial's stock fell -17.0% during the 2025 US Tariff Shock. Such a loss loss requires a 20.5% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About USCB Financial (USCB)

USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank, a financial institution primarily serving small-to-medium sized businesses. Based in Miami, Florida, the company provides a comprehensive range of banking products and services designed to meet the diverse needs of its commercial clientele and, to a lesser extent, individual consumers.

The bank offers various deposit products including checking, savings, money market, and time deposit accounts, alongside certificates of deposit. Its loan portfolio is extensive, featuring residential and commercial real estate loans, commercial and industrial loans, and even loans to foreign banks. Additionally, USCB provides secured and unsecured consumer loans such as personal loans and overdraft facilities.

Beyond traditional banking, USCB Financial also delivers crucial services like treasury management, commercial payments, cash management solutions, and online banking. These offerings collectively position the company as a full-service financial partner, focusing on supporting the operational and growth objectives of its core customer base: small-to-medium sized businesses.

AI Analysis | Feedback

Here are 1-3 brief analogies to describe USCB Financial:

  • It's like a regional version of PNC Bank, but primarily focused on small-to-medium businesses in Miami.
  • Think of it as a community bank for businesses, similar to a localized version of Bank of America's small business services.

AI Analysis | Feedback

  • Deposit Accounts: The company offers various accounts for individuals and businesses to save and manage their money, including checking, savings, money market, time deposits, and certificates of deposit.
  • Loan Products: A comprehensive suite of lending solutions is provided, encompassing residential real estate loans, commercial real estate loans, commercial and industrial loans, foreign bank loans, and secured and unsecured consumer loans.
  • Business Banking Services: Specialized services for small-to-medium sized businesses include treasury, commercial payments, and cash management solutions.
  • Online Banking Services: The bank provides digital platforms for convenient access to banking functionalities and account management.

AI Analysis | Feedback

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Luis de la Aguilera, Chairman, President, and Chief Executive Officer

An experienced banking professional with over 40 years in the industry. His prior roles include serving as President and Chief Executive Officer of TotalBank, overseeing branch-based commercial lending and business development at Ocean Bank, and leading business banking and lending activities at Republic National Bank. He led the turnaround of U.S. Century Bank, culminating in a successful IPO in July 2021.

Robert B. Anderson, Chief Financial Officer

Previously served as Chief Financial Officer and Chief Administrative Officer of CapStar Financial Holdings. He holds a bachelor's degree in Accounting from The Ohio State University and a Master of Business Administration in Finance from Pepperdine University Graziadio Business School.

William Turner, Chief Credit Officer

Has over 35 years of credit management and leadership experience within the banking industry. He oversees the Bank's credit functions, providing strategic direction and guiding policy and procedures to maintain excellent credit quality.

Nicholas Bustle, Executive Vice President and Chief Lending Officer

Information regarding his specific background is not available.

AI Analysis | Feedback

The key risks to USCB Financial Holdings, Inc. (symbol: USCB) primarily stem from its business model as a community bank operating in a specific geographic region with a focused loan portfolio.

  1. Concentration Risk (Geographic and Commercial Real Estate Loan Portfolio): USCB Financial Holdings, Inc. faces significant risk due to its lack of a broadly diversified loan portfolio and its concentration in the South Florida market. This includes a notable concentration in loans secured by real estate, particularly commercial real estate (CRE). As of year-end 2025, commercial real estate loans constituted 370% of the company's total risk-based capital, and construction loans were at 31%, leading to heightened regulatory supervision of this concentration.
  2. Interest Rate Risk: As a financial institution, USCB is inherently exposed to fluctuations in interest rates. Adverse changes or conditions in capital and financial markets can impact its profitability. The company has undertaken strategic moves, such as selling low-yield securities to reinvest in higher-yielding loans, indicating its sensitivity to interest rate changes and active management of this risk. Additionally, the company utilizes interest rate swaps for hedging to help offset interest rate risk on its balance sheet. Changes in the market value of available-for-sale securities have also negatively affected tangible book value.
  3. Credit Risk: The company's credit risk is tied to the quality of its loan portfolio. While the majority of loans are categorized as "Pass," the presence of "Special Mention" and "Substandard" credits in various segments warrants investor attention, particularly in a rising rate or recessionary economic environment. The allowance for credit losses increased, and non-performing loans saw a significant rise from March 2024 to March 2025, from $456 thousand to $4.2 million, highlighting the ongoing importance of managing credit quality.

AI Analysis | Feedback

The clear emerging threat for USCB Financial is the rise of non-bank fintech companies and specialized online platforms that offer integrated financial services directly to small-to-medium sized businesses. These entities, which include payment processors expanding into banking and lending, and online lenders utilizing advanced algorithms, leverage technology to provide faster, more convenient, and often lower-cost solutions for commercial payments, cash management, and various types of business loans. This direct digital competition threatens to disintermediate traditional banks like USCB Financial by siphoning away core deposit relationships, commercial lending opportunities, and revenue from treasury and cash management services.

AI Analysis | Feedback

USCB Financial Holdings, Inc., operating as U.S. Century Bank and headquartered in Miami, Florida, serves small-to-medium sized businesses with various banking products and services. The addressable markets for its main offerings are primarily within Florida and the broader U.S., particularly for business-centric services.

Deposits

The Miami-Fort Lauderdale-West Palm Beach metropolitan statistical area, which includes Miami-Dade, Broward, and Palm Beach Counties, experienced a significant increase in deposits, growing over 20% between June 30, 2020, and June 30, 2025, to reach $336.3 billion. Across Florida, the total deposits held by banks amounted to $831 billion as of the fourth quarter of 2024. For small businesses specifically, 96% maintain at least one business bank account. More than 55% of these small businesses hold balances exceeding $50,000, with nearly 23% having over $250,000 in business checking accounts.

Loan Products

  • Residential Real Estate Loans: In 2024, new home loans booked in Florida totaled $87.1 billion, encompassing 220,450 loans with a median size of $345,000. Florida was identified as the seventh most financially stretched market for homebuyers in the U.S. in February 2026, with an average home loan of $383,323. The state is also a major draw for foreign buyers, being the No. 1 destination for 15 consecutive years, with foreign national real estate purchases exceeding $53 billion in volume and nearly 85,000 transactions in the latest reported year.
  • Commercial Real Estate Loans: Florida ranks as the top U.S. destination state for commercial real estate investments, indicating a highly competitive market. In 2024, Berkadia's Florida Mortgage Banking platform closed approximately $4 billion in commercial property loans across 107 transactions within and beyond Florida. The commercial mortgage market in Florida showed a strong rebound in the second quarter of 2025, aligning with a roughly 30% year-over-year increase in U.S. commercial real estate and multifamily originations.
  • Commercial and Industrial Loans (Small Business Loans): Small business loans in Florida reached $52.9 billion through 2.7 million loans, with an average loan size of $19,848 as of 2024. Nationwide, the small business banking sector serves over 33 million enterprises. In 2023, U.S. small businesses saw over 8.4 million loan originations, totaling more than $260 billion, with 94.9% of these being loans under $100,000.

Treasury, Commercial Payments, Cash Management, and Online Banking Services

  • Cash Management Services (CMS): The demand for cash management services in the U.S. is projected to grow from $1.6 billion in 2025 to $3.7 billion by 2035, at a compound annual growth rate (CAGR) of 8.6%. North America held a 39.05% share of the cash management system market in 2025. The overall cash management system market size is estimated at $21.78 billion in 2026 and is expected to reach $30.56 billion by 2031. Small and Medium Enterprises (SMEs) within this market are projected to grow at a 16.02% CAGR through 2031.
  • Commercial Payments (B2B Payments): The U.S. B2B payments transaction market was valued at $460 billion in 2024 and is forecasted to reach approximately $1,160 billion by 2034, with a CAGR of 9.69% from 2025 to 2034. North America led the global B2B payments transaction market, holding a 41.2% revenue share in 2024.
  • Online Banking: Online channels constituted 58.10% of the U.S. retail banking market share in 2025 and are expected to grow at a 6.05% CAGR.

AI Analysis | Feedback

USCB Financial Holdings, Inc. (NASDAQ: USCB) is expected to drive future revenue growth over the next two to three years through several strategic initiatives focused on expanding its loan portfolio, optimizing its net interest margin, growing and diversifying its deposit base, and targeted market expansion within Florida.

Here are 3-5 expected drivers of future revenue growth for USCB Financial:

  1. Loan Portfolio Expansion, particularly Commercial Real Estate and Correspondent Banking: USCB Financial is actively expanding its loan portfolio, with a notable focus on commercial real estate and correspondent bank lending. The company reported an 11% year-over-year growth in loans, reaching $2.2 billion by the end of 2025, driven by strong commercial activity. Management highlighted that the fourth quarter of 2025 was its strongest loan production quarter, with December achieving a record monthly high for the year. Proceeds from a strategic restructuring of lower-yielding securities are being reinvested into higher-yielding loans, primarily commercial real estate, which is expected to contribute to earnings growth.
  2. Net Interest Margin (NIM) Expansion and Yield Optimization: The company is focused on enhancing its net interest margin and overall earnings power. In 2025, net interest income expanded, and the net interest margin improved to 3.27% in Q4 2025 from 3.16% in the prior year. A key strategy involves repositioning its securities portfolio by selling lower-yielding assets and redeploying these funds into higher-yielding loans. This action is projected to increase the annualized net interest margin by approximately 7 basis points starting in the first quarter of 2026, accelerating earnings and delivering long-term value.
  3. Deposit Growth and Diversification: USCB Financial aims to grow its revenue through a diversified and expanding deposit base. Deposits increased by 7.9% in 2025, demonstrating continued franchise growth and deep client relationships. The company is strategically pursuing deposit growth across various verticals, including small business administration (SBA), general business, association banking, private client group, and correspondent banking. A new lending and deposit gathering team has been launched specifically to target small business markets in Doral, Medley, and Hialeah within Miami-Dade. Leveraging existing relationships with small-to-medium sized businesses (SMBs) to secure personal retail deposit relationships of their owners and employees remains a cornerstone of its deposit growth strategy.
  4. Expansion in Key Florida Markets: The company's growth strategy includes targeted expansion within the vibrant economic hub of South Florida. This involves the aforementioned new lending and deposit gathering team focused on specific high-growth areas within Miami-Dade. The company aims for significant association banking deposit growth while continuing to expand its lending activities in key Florida markets, capitalizing on the region's business-friendly climate and diverse economy.

AI Analysis | Feedback

Share Repurchases

  • On April 22, 2024, the Board of Directors approved a new share repurchase program authorizing the repurchase of up to 500,000 shares of Class A common stock, representing approximately 2.5% of the Company's issued and outstanding shares. This program has no expiration date and will commence upon completion of the existing program.
  • As of April 22, 2024, 572,980 shares remained authorized for repurchase under the Company's share repurchase programs.
  • In Q1 2024, USCB Financial Holdings, Inc. repurchased 7,100 shares of Class A common stock at a weighted average price of $11.15 per share.
  • On September 2, 2025, the company entered into agreements to repurchase an aggregate of 2 million shares of Class A Voting Common Stock in privately negotiated transactions at a price of $17.19 per share. These repurchases were supplemental to existing programs.

Share Issuance

  • USCB Financial Holdings, Inc. completed a $40 million initial public offering (IPO) of Class A common stock in July 2021.

Capital Expenditures

  • The company reported capital expenditures of $(0.3) million in December 2021, $(0.6) million in December 2022, $(0.7) million in December 2023, and $(0.2) million in December 2024.
  • In Q3 2025, USCB Financial Holdings, Inc. invested $114K in capital expenditures, marking a 137.5% increase from the prior quarter.

Peer Outperformance in Regional Banks

null
Share of Regional Banks constituents that USCB has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
77%
of 288 industry peers · 37.7% return
3Y
78%
of 277 industry peers · 127.7% return
5Y
insufficient peer history
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Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is USCB's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Reinsurance 6 23.3%69.0%130.6% SPNT 170% · RGA 149% · RNR 140%
Investment Banking & Brokerage 13 -0.3%111.7%118.7% IBKR 535% · SNEX 254% · GS 181%
Diversified Banks 12 29.5%134.2%114.6% CM 162% · JPM 156% · RY 149%
Life & Health Insurance 20 7.1%55.5%103.2% JXN 534% · UNM 361% · FG 204%
Multi-Sector Holdings 4 4.1%48.9%84.6% JONE 362% · VOYA 86% · BRK-B 83%
Property & Casualty Insurance 42 7.9%66.0%66.2% ASIC 2706900% · HRTG 404% · UVE 317%
Regional Banks ← 265 24.0%91.9%64.7% ESQ 367% · GCBC 309% · NBN 309%
Multi-line Insurance 9 8.4%69.4%61.1% GNW 194% · L 107% · SLF 102%
Financial Exchanges & Data 15 0.0%17.3%31.2% VIRT 185% · CBOE 134% · CME 80%
Diversified Financial Services 4 -6.0%23.2%30.6% FRHC 177% · EQH 116% · TMS -55%
Consumer Finance 30 -0.1%90.1%25.6% ENVA 427% · EZPW 312% · FCFS 164%
Insurance Brokers 16 -16.5%-8.1%17.5% LIFE 217% · ARX 88% · CRD-A 65%
Commercial & Residential Mortgage Finance 15 -46.0%25.3%12.1% FNMA 446% · FMCC 415% · ACT 182%
Asset Management & Custody Banks 85 -11.3%16.4%11.7% WT 351% · VCTR 281% · SII 278%
Specialized Finance 3 11.2%42.6%-5.7% EFC 26% · CACC -6% · HASI -17%
Mortgage REITs 33 -12.6%7.5%-20.2% NREF 55% · RITM 42% · DX 33%
Diversified Capital Markets 21 -33.8%16.4%-36.8% OPY 204% · LPLA 131% · GOLD 82%
Transaction & Payment Processing Services 16 -0.2%-6.9%-45.5% V 72% · MA 70% · CPAY 55%
Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.

Latest Trefis Analyses

TitleDate
0DASHBOARDS 
1How Low Can USCB Financial Stock Really Go?10/17/2025
Title
0ARTICLES

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

USCBNEWTATLOFITBMTBHBANMedian
NameUSCB Fin.NewtekOneAmes Nat.Fifth Th.M&T Bank Huntingt. 
Mkt Price23.0811.6432.0253.31226.9616.0427.55
Mkt Cap0.40.30.348.633.132.416.4
Rev LTM972777310,4909,8239,6834,980
Op Inc LTM-------
FCF LTM49-740212,8963,5952,6831,366
FCF 3Y Avg39-373173,3423,4942,3831,211
CFO LTM50-739223,6653,8043,0621,556
CFO 3Y Avg40-373193,9123,7042,6211,330

Growth & Margins

USCBNEWTATLOFITBMTBHBANMedian
NameUSCB Fin.NewtekOneAmes Nat.Fifth Th.M&T Bank Huntingt. 
Rev Chg LTM5.8%7.8%21.3%23.8%4.7%26.1%14.6%
Rev Chg 3Y Avg12.6%26.8%8.1%7.4%0.9%9.1%8.6%
Rev Chg Q14.5%7.0%18.5%45.3%4.1%46.4%16.5%
QoQ Delta Rev Chg LTM3.8%1.7%4.3%10.6%1.0%10.2%4.0%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM51.5%-267.4%30.3%34.9%38.7%31.6%33.3%
CFO/Rev 3Y Avg45.8%-138.6%30.2%43.8%39.2%32.1%35.7%
FCF/Rev LTM50.5%-267.5%28.9%27.6%36.6%27.7%28.3%
FCF/Rev 3Y Avg45.3%-138.7%27.9%37.6%37.0%29.3%33.2%

Valuation

USCBNEWTATLOFITBMTBHBANMedian
NameUSCB Fin.NewtekOneAmes Nat.Fifth Th.M&T Bank Huntingt. 
Mkt Cap0.40.30.348.633.132.416.4
P/S4.41.23.94.63.43.33.6
P/Op Inc-------
P/EBIT-------
P/E14.75.112.420.710.913.512.9
P/CFO8.5-0.412.913.38.710.69.6
Total Yield8.8%28.9%10.8%7.5%11.9%10.5%10.7%
Dividend Yield2.0%9.2%2.8%2.7%2.7%3.1%2.7%
FCF Yield 3Y Avg12.2%-103.1%8.9%10.9%11.8%9.5%10.2%
D/E0.71.70.10.40.50.70.6
Net D/E-0.30.6-1.7-0.9-0.70.0-0.5

Returns

USCBNEWTATLOFITBMTBHBANMedian
NameUSCB Fin.NewtekOneAmes Nat.Fifth Th.M&T Bank Huntingt. 
1M Rtn2.9%-7.1%1.6%-2.8%-5.0%-4.9%-3.8%
3M Rtn19.5%-14.1%8.3%0.1%0.3%-5.0%0.2%
6M Rtn26.2%4.6%18.8%19.4%14.6%6.9%16.7%
12M Rtn37.7%0.8%59.9%19.6%15.6%-6.0%17.6%
3Y Rtn127.7%-5.3%110.9%132.3%100.4%76.0%105.6%
1M Excs Rtn1.0%-8.5%0.1%-3.8%-5.7%-6.4%-4.8%
3M Excs Rtn15.6%-18.0%4.4%-3.8%-3.6%-8.9%-3.7%
6M Excs Rtn9.4%-12.5%2.5%3.3%-3.3%-11.0%-0.4%
12M Excs Rtn18.8%-18.1%43.3%2.0%-0.6%-23.9%0.7%
3Y Excs Rtn46.7%-88.6%33.2%44.5%20.8%-2.9%27.0%

Comparison Analyses

null

Financials

Segment Financials

Revenue by Segment
$ Mil20252024202320222021
Single Segment9083666960
Total9083666960


Price Behavior

Price Behavior
Market Price$23.08 
Market Cap ($ Bil)0.4 
First Trading Date12/30/2021 
Distance from 52W High-1.7% 
   50 Days200 Days
DMA Price$22.12$19.65
DMA Trendupup
Distance from DMA4.3%17.4%
 3M1YR
Volatility24.5%26.2%
Downside Capture12.4531.65
Upside Capture97.5062.50
Correlation (SPY)11.8%22.0%
USCB Betas & Captures as of 8/31/2026

 1M2M3M6M1Y3Y
Beta0.320.460.060.340.430.79
Up Beta1.13-0.67-0.560.100.620.85
Down Beta-2.190.11-0.240.040.200.68
Up Capture24%119%83%61%47%68%
Bmk +ve Days10213268138427
Stock +ve Days10193366128376
Down Capture-7%78%-6%45%41%90%
Bmk -ve Days11213259113324
Stock -ve Days10212958117356

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with USCB
USCB36.1%26.2%1.14-
Sector ETF (XLF)4.9%14.6%0.1047.1%
Equity (SPY)18.2%13.0%1.0121.5%
Gold (GLD)18.8%29.3%0.59-0.5%
Commodities (DBC)47.0%20.6%1.76-31.7%
Real Estate (VNQ)5.7%13.6%0.1535.8%
Bitcoin (BTCUSD)-31.0%44.4%-0.716.0%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with USCB
USCB11.9%35.1%0.40-
Sector ETF (XLF)9.9%18.4%0.4037.2%
Equity (SPY)13.1%17.2%0.5825.6%
Gold (GLD)18.9%18.8%0.810.5%
Commodities (DBC)11.0%19.5%0.44-2.2%
Real Estate (VNQ)1.2%18.8%-0.0425.7%
Bitcoin (BTCUSD)12.5%52.6%0.4210.7%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with USCB
USCB5.8%35.1%0.40-
Sector ETF (XLF)13.2%22.1%0.5437.2%
Equity (SPY)15.6%17.9%0.7425.6%
Gold (GLD)12.1%16.4%0.610.5%
Commodities (DBC)8.4%18.1%0.38-2.2%
Real Estate (VNQ)4.9%20.7%0.2025.7%
Bitcoin (BTCUSD)62.7%66.2%1.0310.7%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date8312026
Short Interest: Shares Quantity0.3 Mil
Short Interest: % Change Since 81520261.1%
Average Daily Volume0.1 Mil
Days-to-Cover Short Interest4.5 days
Basic Shares Quantity18.3 Mil
Short % of Basic Shares1.5%

Earnings Returns History

Updated 8/25/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/23/20266.4%7.2%10.8%
4/23/2026-1.8%-6.3%-3.7%
1/22/2026-5.8%-9.5%-7.5%
12/5/20250.8%6.2%7.1%
7/24/20250.8%-3.1%4.7%
4/24/2025-9.5%-6.1%-6.3%
1/23/20252.6%6.0%3.7%
10/31/20243.3%30.1%39.9%
...
SUMMARY STATS   
# Positive899
# Negative111010
Median Positive2.7%6.0%7.1%
Median Negative-2.2%-4.6%-5.8%
Max Positive6.4%30.1%39.9%
Max Negative-9.7%-9.5%-10.5%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/23/20266.4%7.2%10.8%
4/23/2026-1.8%-6.3%-3.7%
1/22/2026-5.8%-9.5%-7.5%
12/5/20250.8%6.2%7.1%
7/24/20250.8%-3.1%4.7%
4/24/2025-9.5%-6.1%-6.3%
1/23/20252.6%6.0%3.7%
10/31/20243.3%30.1%39.9%
7/25/2024-2.3%-2.0%-7.4%
4/25/20244.7%16.6%17.6%
1/25/2024-0.2%-1.5%-10.5%
10/26/2023-3.5%3.2%5.2%
7/27/2023-9.7%-6.3%-8.5%
4/27/2023-0.9%-7.3%2.7%
1/26/2023-2.2%0.7%-0.2%
10/27/2022-0.9%-1.5%-3.9%
7/28/20222.8%0.3%15.9%
4/28/20220.0%-1.4%-5.4%
1/27/2022-1.0%5.6%-3.3%
SUMMARY STATS   
# Positive899
# Negative111010
Median Positive2.7%6.0%7.1%
Median Negative-2.2%-4.6%-5.8%
Max Positive6.4%30.1%39.9%
Max Negative-9.7%-9.5%-10.5%

SEC Filings

Expand for More
Report DateFiling DateFiling
06/30/202608/07/202610-Q
03/31/202605/08/202610-Q
12/31/202503/13/202610-K
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202505/09/202510-Q
12/31/202403/14/202510-K
09/30/202411/12/202410-Q
06/30/202408/12/202410-Q
03/31/202405/10/202410-Q
12/31/202303/22/202410-K
09/30/202311/09/202310-Q
06/30/202308/11/202310-Q
03/31/202305/12/202310-Q
12/31/202203/24/202310-K
09/30/202211/10/202210-Q
Collapse to Preview
Report DateFiling DateFiling
06/30/202608/07/202610-Q
03/31/202605/08/202610-Q
12/31/202503/13/202610-K
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202505/09/202510-Q
12/31/202403/14/202510-K
09/30/202411/12/202410-Q
06/30/202408/12/202410-Q
03/31/202405/10/202410-Q
12/31/202303/22/202410-K
09/30/202311/09/202310-Q
06/30/202308/11/202310-Q
03/31/202305/12/202310-Q
12/31/202203/24/202310-K
09/30/202211/10/202210-Q
06/30/202208/11/202210-Q
03/31/202205/12/202210-Q
12/31/202103/24/202210-K

Insider Activity

Updated 7/9/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Collazo, AndresEVP, Operations & ITDirectSell608202619.001,00019,000598,899Form
2De, La Aguilera LuisPresident and CEODirectSell522202618.3049,414904,2764,445,894Form
3De, La Aguilera LuisPresident and CEODirectSell521202618.1536,826668,3924,409,452Form
4De, La Aguilera LuisPresident and CEODirectSell521202618.014,93188,8074,375,439Form
5De, La Aguilera LuisPresident and CEODirectSell519202618.062,48544,8794,387,587Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Collazo, AndresEVP, Operations & ITDirectSell608202619.001,00019,000598,899Form
2De, La Aguilera LuisPresident and CEODirectSell522202618.3049,414904,2764,445,894Form
3De, La Aguilera LuisPresident and CEODirectSell521202618.1536,826668,3924,409,452Form
4De, La Aguilera LuisPresident and CEODirectSell521202618.014,93188,8074,375,439Form
5De, La Aguilera LuisPresident and CEODirectSell519202618.062,48544,8794,387,587Form
6De, La Aguilera LuisPresident and CEODirectSell519202618.0580514,5304,385,157Form
7De, La Aguilera LuisPresident and CEODirectSell515202618.2022,883416,4714,421,599Form
8Abadin, Ramon DirectSell515202618.219,000163,890447,256Form
9De, La Aguilera LuisPresident and CEODirectSell515202618.0619,947360,2434,387,587Form
10De, La Aguilera LuisPresident and CEODirectSell513202618.275,27996,4474,438,605Form
11De, La Aguilera LuisPresident and CEODirectSell511202618.1410,005181,4914,407,022Form
12De, La Aguilera LuisPresident and CEODirectSell507202618.1613,100237,8964,411,881Form
13De, La Aguilera LuisPresident and CEODirectSell507202618.1216,895306,1374,402,163Form
14Wycoff, W Kirk DirectSell501202618.2812,848234,86133,156,008Form
15Wycoff, W Kirk DirectSell501202618.2437,152677,65233,317,804Form
16Collazo, AndresEVP, Operations & ITDirectSell310202618.278,000146,160601,996Form
17De, La Aguilera LuisPresident and CEODirectSell130202618.0210,000180,2004,430,992Form
18Wycoff, W Kirk DirectSell1212202518.6839,000728,52034,675,422Form
19Wycoff, W Kirk DirectSell1211202518.5682,0431,522,71835,176,508Form
20Wycoff, W Kirk DirectSell1203202517.7514,695260,83635,097,590Form
21Wycoff, W Kirk DirectSell1126202518.0622,558407,39735,975,953Form
22Wycoff, W Kirk DirectSell1125202518.0221,327384,31336,302,768Form
23Guerra-Kattou, MarthaEVP, Sales and MarketingDirectSell909202516.856,000101,100629,162Form

Investor Activity (13F)

Updated Sep 22, 2026
13F holdings as of Mar 31, 2026 (Q1 2026)

Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.

Active ManagerValue% of PortfolioTotal PositionsQoQFiling
Patriot Financial Partners GP II, L.P.$34.4 Mil8.9%12Hold13F
Endeavour Capital Advisors Inc$19.0 Mil4.3%42Hold13F
Active Manager
Active Manager
Active ManagerValue% of PortfolioTotal PositionsQoQFiling
Patriot Financial Partners GP II, L.P.$34.4 Mil8.9%12Hold13F
Endeavour Capital Advisors Inc$19.0 Mil4.3%42Hold13F
Core Cache Last Updated: 9/21/2026