USCB Financial (USCB)
Market Price (8/8/2026): $22.29 | Market Cap: $409.0 MilSector: Financials | Industry: Regional Banks
USCB Financial (USCB)
Market Price (8/8/2026): $22.29Market Cap: $409.0 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.1%, Dividend Yield is 2.0%, 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 capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -34% Attractive cash flow generationCFO/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 volatilityVol 12M is 28% Megatrend and thematic driversMegatrends include Community & Regional Banking. Themes include Small Business Lending, and Local Real Estate Financing. | Trading close to highsDist 52W High is -1.4%, Dist 3Y High is -1.4% | Key risksUSCB key risks include [1] significant geographic, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.1%, Dividend Yield is 2.0%, 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 capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -34% |
| Attractive cash flow generationCFO/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 volatilityVol 12M is 28% |
| Megatrend and thematic driversMegatrends include Community & Regional Banking. Themes include Small Business Lending, and Local Real Estate Financing. |
| Trading close to highsDist 52W High is -1.4%, Dist 3Y High is -1.4% |
| Key risksUSCB key risks include [1] significant geographic, Show more. |
Qualitative Assessment
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USCB Financial (USCB) stock has gained about 25% since 4/30/2026 because of the following key factors:
1. Strong Fiscal Q2 2026 Performance and Operational Efficiency Gains.
USCB Financial Holdings reported net income of $9.1 million, or $0.49 per diluted share, for fiscal Q2 2026 (ended June 30, 2026), matching Wall Street estimates and representing a 22.5% increase year-over-year from fiscal Q2 2025. This strong performance was bolstered by several key operational improvements. The company surpassed $3 billion in total assets, marking an 11% increase year-over-year. Furthermore, the efficiency ratio improved to 49.97%, falling below 50% for the first time, down from 52.34% in fiscal Q1 2026. The net interest margin also expanded to 3.49% from 3.27% in fiscal Q1 2026, reflecting enhanced earning power from a growing loan portfolio and disciplined funding costs.
2. Significant Analyst Upgrades and Increased Price Targets.
The period saw a notable increase in positive analyst sentiment, with several firms upgrading USCB Financial's stock and raising price targets. Zacks Research upgraded the stock from a "hold" to a "strong-buy" rating on July 30, 2026. Piper Sandler increased their price target from $24.00 to $27.00 and maintained an "overweight" rating on July 27, 2026, following a previous increase from $23.00 to $24.00 on April 28, 2026. Hovde Group also lifted its price target from $20.00 to $22.00 on July 27, 2026. These multiple upgrades and raised targets signal growing confidence in the company's future prospects.
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USCB Financial (USCB) stock has gained about 25% since 4/30/2026 because of the following key factors:
1. Strong Fiscal Q2 2026 Performance and Operational Efficiency Gains.
USCB Financial Holdings reported net income of $9.1 million, or $0.49 per diluted share, for fiscal Q2 2026 (ended June 30, 2026), matching Wall Street estimates and representing a 22.5% increase year-over-year from fiscal Q2 2025. This strong performance was bolstered by several key operational improvements. The company surpassed $3 billion in total assets, marking an 11% increase year-over-year. Furthermore, the efficiency ratio improved to 49.97%, falling below 50% for the first time, down from 52.34% in fiscal Q1 2026. The net interest margin also expanded to 3.49% from 3.27% in fiscal Q1 2026, reflecting enhanced earning power from a growing loan portfolio and disciplined funding costs.
2. Significant Analyst Upgrades and Increased Price Targets.
The period saw a notable increase in positive analyst sentiment, with several firms upgrading USCB Financial's stock and raising price targets. Zacks Research upgraded the stock from a "hold" to a "strong-buy" rating on July 30, 2026. Piper Sandler increased their price target from $24.00 to $27.00 and maintained an "overweight" rating on July 27, 2026, following a previous increase from $23.00 to $24.00 on April 28, 2026. Hovde Group also lifted its price target from $20.00 to $22.00 on July 27, 2026. These multiple upgrades and raised targets signal growing confidence in the company's future prospects.
3. Robust Loan Growth Driven by Strong Regional Market Conditions.
USCB Financial experienced record new loan production, reaching $272 million in fiscal Q2 2026, which represents a 14.6% annualized linked-quarter increase. This growth contributed to total loans held for investment increasing by 9.9% year-over-year to $2.3 billion at June 30, 2026. Management specifically highlighted the resilience of the Miami-Dade market, its South Florida focus, and the continued demand for commercial lending, trade finance, treasury services, and wealth management, indicating strong underlying regional economic factors supporting the company's growth strategy.
4. Fiscal Q1 2026 Earnings Beat.
Prior to the robust fiscal Q2 2026 results, USCB Financial reported strong fiscal Q1 2026 earnings, with diluted earnings per share of $0.51. This figure surpassed the consensus estimate of $0.4835 by 5.48%. This earnings beat contributed to a positive market outlook and momentum for the stock leading into the second fiscal quarter.
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Stock Movement Drivers
Fundamental Drivers
The 23.3% change in USCB stock from 4/30/2026 to 8/7/2026 was primarily driven by a 13.5% change in the company's P/E Multiple.| (LTM values as of) | 4302026 | 8072026 | Change |
|---|---|---|---|
| Stock Price ($) | 18.12 | 22.34 | 23.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 90 | 97 | 7.7% |
| Net Income Margin (%) | 28.9% | 29.6% | 2.2% |
| P/E Multiple | 12.6 | 14.3 | 13.5% |
| Shares Outstanding (Mil) | 18 | 18 | -1.3% |
| Cumulative Contribution | 23.3% |
Market Drivers
4/30/2026 to 8/7/2026| Return | Correlation | |
|---|---|---|
| USCB | 23.3% | |
| Market (SPY) | 7.6% | 9.3% |
| Sector (XLF) | 10.5% | 46.4% |
Fundamental Drivers
The 20.1% change in USCB stock from 1/31/2026 to 8/7/2026 was primarily driven by a 24.3% change in the company's P/E Multiple.| (LTM values as of) | 1312026 | 8072026 | Change |
|---|---|---|---|
| Stock Price ($) | 18.60 | 22.34 | 20.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 95 | 97 | 2.1% |
| Net Income Margin (%) | 33.2% | 29.6% | -11.0% |
| P/E Multiple | 11.5 | 14.3 | 24.3% |
| Shares Outstanding (Mil) | 20 | 18 | 6.4% |
| Cumulative Contribution | 20.1% |
Market Drivers
1/31/2026 to 8/7/2026| Return | Correlation | |
|---|---|---|
| USCB | 20.1% | |
| Market (SPY) | 12.1% | 23.3% |
| Sector (XLF) | 8.3% | 46.1% |
Fundamental Drivers
The 37.6% change in USCB stock from 7/31/2025 to 8/7/2026 was primarily driven by a 21.7% change in the company's P/E Multiple.| (LTM values as of) | 7312025 | 8072026 | Change |
|---|---|---|---|
| Stock Price ($) | 16.24 | 22.34 | 37.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 88 | 97 | 10.5% |
| Net Income Margin (%) | 31.5% | 29.6% | -6.2% |
| P/E Multiple | 11.7 | 14.3 | 21.7% |
| Shares Outstanding (Mil) | 20 | 18 | 9.1% |
| Cumulative Contribution | 37.6% |
Market Drivers
7/31/2025 to 8/7/2026| Return | Correlation | |
|---|---|---|
| USCB | 37.6% | |
| Market (SPY) | 23.4% | 25.8% |
| Sector (XLF) | 11.3% | 48.3% |
Fundamental Drivers
The 114.3% change in USCB stock from 7/31/2023 to 8/7/2026 was primarily driven by a 45.4% change in the company's P/E Multiple.| (LTM values as of) | 7312023 | 8072026 | Change |
|---|---|---|---|
| Stock Price ($) | 10.42 | 22.34 | 114.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 71 | 97 | 37.5% |
| Net Income Margin (%) | 29.9% | 29.6% | -1.0% |
| P/E Multiple | 9.8 | 14.3 | 45.4% |
| Shares Outstanding (Mil) | 20 | 18 | 8.2% |
| Cumulative Contribution | 114.3% |
Market Drivers
7/31/2023 to 8/7/2026| Return | Correlation | |
|---|---|---|
| USCB | 114.3% | |
| Market (SPY) | 74.9% | 34.1% |
| Sector (XLF) | 70.4% | 48.3% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| USCB Return | 1% | -13% | 0% | 47% | 6% | 22% | 68% |
| Peers Return | 16% | -19% | 25% | 0% | 49% | 20% | 109% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 13% | 105% |
Monthly Win Rates [3] | |||||||
| USCB Win Rate | 100% | 42% | 67% | 50% | 67% | 75% | |
| Peers Win Rate | 33% | 50% | 54% | 46% | 69% | 64% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| USCB Max Drawdown | - | -28% | -30% | -18% | -20% | -14% | |
| Peers Max Drawdown | -16% | -31% | -31% | -26% | -21% | -20% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, FCBM, CBC, NU.
[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 8/7/2026 (YTD)
How Low Can It Go
| Event | USCB | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -17.0% | -18.8% |
| % Gain to Breakeven | 20.5% | 23.1% |
| Time to Breakeven | 182 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -13.0% | -9.5% |
| % Gain to Breakeven | 14.9% | 10.5% |
| Time to Breakeven | 18 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -28.7% | -6.7% |
| % Gain to Breakeven | 40.2% | 7.1% |
| Time to Breakeven | 226 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -23.0% | -24.5% |
| % Gain to Breakeven | 29.9% | 32.4% |
| Time to Breakeven | 57 days | 427 days |
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.
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| Event | USCB | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -28.7% | -6.7% |
| % Gain to Breakeven | 40.2% | 7.1% |
| Time to Breakeven | 226 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -23.0% | -24.5% |
| % Gain to Breakeven | 29.9% | 32.4% |
| Time to Breakeven | 57 days | 427 days |
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.
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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.
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- 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.
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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.
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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.
- 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.
- 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.
- 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.
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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.
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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.
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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:
- 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.
- 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.
- 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.
- 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.
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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.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| How Low Can USCB Financial Stock Really Go? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 18.09 |
| Mkt Cap | 0.4 |
| Rev LTM | 272 |
| Op Inc LTM | - |
| FCF LTM | 49 |
| FCF 3Y Avg | 28 |
| CFO LTM | 50 |
| CFO 3Y Avg | 29 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 16.1% |
| Rev Chg 3Y Avg | 22.4% |
| Rev Chg Q | 16.2% |
| QoQ Delta Rev Chg LTM | 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 LTM | 32.5% |
| CFO/Rev 3Y Avg | 26.8% |
| FCF/Rev LTM | 31.2% |
| FCF/Rev 3Y Avg | 24.1% |
Price Behavior
| Market Price | $22.34 | |
| Market Cap ($ Bil) | 0.4 | |
| First Trading Date | 12/30/2021 | |
| Distance from 52W High | -1.4% | |
| 50 Days | 200 Days | |
| DMA Price | $20.25 | $18.93 |
| DMA Trend | up | up |
| Distance from DMA | 10.3% | 18.0% |
| 3M | 1YR | |
| Volatility | 27.1% | 28.4% |
| Downside Capture | 13.93 | 44.32 |
| Upside Capture | 87.78 | 73.78 |
| Correlation (SPY) | 10.6% | 25.2% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.56 | 0.03 | 0.13 | 0.40 | 0.57 | 0.78 |
| Up Beta | -2.88 | -1.33 | -0.77 | -0.02 | 0.83 | 0.84 |
| Down Beta | 0.60 | -0.14 | -0.05 | 0.07 | 0.23 | 0.68 |
| Up Capture | 217% | 111% | 88% | 75% | 62% | 67% |
| Bmk +ve Days | 11 | 22 | 35 | 67 | 138 | 427 |
| Stock +ve Days | 10 | 23 | 34 | 68 | 130 | 377 |
| Down Capture | 100% | -5% | 5% | 56% | 58% | 90% |
| Bmk -ve Days | 11 | 21 | 28 | 59 | 114 | 326 |
| Stock -ve Days | 11 | 19 | 27 | 56 | 117 | 357 |
[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 | |
|---|---|---|---|---|
| USCB | 41.2% | 28.4% | 1.20 | - |
| Sector ETF (XLF) | 12.3% | 14.6% | 0.57 | 47.9% |
| Equity (SPY) | 23.3% | 12.8% | 1.36 | 25.0% |
| Gold (GLD) | 28.5% | 28.4% | 0.87 | -1.2% |
| Commodities (DBC) | 32.9% | 19.8% | 1.32 | -30.7% |
| Real Estate (VNQ) | 14.2% | 13.8% | 0.72 | 38.9% |
| Bitcoin (BTCUSD) | -44.2% | 42.9% | -1.23 | 10.3% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with USCB | |
|---|---|---|---|---|
| USCB | 11.0% | 35.5% | 0.39 | - |
| Sector ETF (XLF) | 11.4% | 18.4% | 0.48 | 37.2% |
| Equity (SPY) | 13.5% | 17.2% | 0.61 | 25.7% |
| Gold (GLD) | 18.6% | 18.6% | 0.81 | 0.5% |
| Commodities (DBC) | 8.2% | 19.6% | 0.31 | -1.9% |
| Real Estate (VNQ) | 2.3% | 18.9% | 0.02 | 25.8% |
| Bitcoin (BTCUSD) | 8.8% | 53.0% | 0.35 | 10.9% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with USCB | |
|---|---|---|---|---|
| USCB | 5.4% | 35.5% | 0.39 | - |
| Sector ETF (XLF) | 13.6% | 22.1% | 0.56 | 37.2% |
| Equity (SPY) | 15.4% | 17.9% | 0.73 | 25.7% |
| Gold (GLD) | 12.1% | 16.2% | 0.61 | 0.5% |
| Commodities (DBC) | 7.4% | 18.0% | 0.33 | -1.9% |
| Real Estate (VNQ) | 4.8% | 20.7% | 0.20 | 25.8% |
| Bitcoin (BTCUSD) | 58.2% | 66.2% | 0.98 | 10.9% |
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Returns Analyses
Earnings Returns History
Updated 8/3/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/23/2026 | 6.4% | 7.2% | |
| 4/23/2026 | -1.8% | -6.3% | -3.7% |
| 1/22/2026 | -5.8% | -9.5% | -7.5% |
| 12/5/2025 | 0.8% | 6.2% | 7.1% |
| 7/24/2025 | 0.8% | -3.1% | 4.7% |
| 4/24/2025 | -9.5% | -6.1% | -6.3% |
| 1/23/2025 | 2.6% | 6.0% | 3.7% |
| 10/31/2024 | 3.3% | 30.1% | 39.9% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 8 | 9 | 8 |
| # Negative | 11 | 10 | 10 |
| Median Positive | 2.7% | 6.0% | 6.2% |
| Median Negative | -2.2% | -4.6% | -5.8% |
| Max Positive | 6.4% | 30.1% | 39.9% |
| Max Negative | -9.7% | -9.5% | -10.5% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/23/2026 | 6.4% | 7.2% | |
| 4/23/2026 | -1.8% | -6.3% | -3.7% |
| 1/22/2026 | -5.8% | -9.5% | -7.5% |
| 12/5/2025 | 0.8% | 6.2% | 7.1% |
| 7/24/2025 | 0.8% | -3.1% | 4.7% |
| 4/24/2025 | -9.5% | -6.1% | -6.3% |
| 1/23/2025 | 2.6% | 6.0% | 3.7% |
| 10/31/2024 | 3.3% | 30.1% | 39.9% |
| 7/25/2024 | -2.3% | -2.0% | -7.4% |
| 4/25/2024 | 4.7% | 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% |
| 7/28/2022 | 2.8% | 0.3% | 15.9% |
| 4/28/2022 | 0.0% | -1.5% | -5.4% |
| 1/27/2022 | -1.0% | 5.6% | -3.3% |
| SUMMARY STATS | |||
| # Positive | 8 | 9 | 8 |
| # Negative | 11 | 10 | 10 |
| Median Positive | 2.7% | 6.0% | 6.2% |
| Median Negative | -2.2% | -4.6% | -5.8% |
| Max Positive | 6.4% | 30.1% | 39.9% |
| Max Negative | -9.7% | -9.5% | -10.5% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 06/30/2026 | 08/07/2026 | 10-Q |
| 03/31/2026 | 05/08/2026 | 10-Q |
| 12/31/2025 | 03/13/2026 | 10-K |
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/08/2025 | 10-Q |
| 03/31/2025 | 05/09/2025 | 10-Q |
| 12/31/2024 | 03/14/2025 | 10-K |
| 09/30/2024 | 11/12/2024 | 10-Q |
| 06/30/2024 | 08/12/2024 | 10-Q |
| 03/31/2024 | 05/10/2024 | 10-Q |
| 12/31/2023 | 03/22/2024 | 10-K |
| 09/30/2023 | 11/09/2023 | 10-Q |
| 06/30/2023 | 08/11/2023 | 10-Q |
| 03/31/2023 | 05/12/2023 | 10-Q |
| 12/31/2022 | 03/24/2023 | 10-K |
| 09/30/2022 | 11/10/2022 | 10-Q |
| Report Date | Filing Date | Filing |
|---|---|---|
| 06/30/2026 | 08/07/2026 | 10-Q |
| 03/31/2026 | 05/08/2026 | 10-Q |
| 12/31/2025 | 03/13/2026 | 10-K |
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/08/2025 | 10-Q |
| 03/31/2025 | 05/09/2025 | 10-Q |
| 12/31/2024 | 03/14/2025 | 10-K |
| 09/30/2024 | 11/12/2024 | 10-Q |
| 06/30/2024 | 08/12/2024 | 10-Q |
| 03/31/2024 | 05/10/2024 | 10-Q |
| 12/31/2023 | 03/22/2024 | 10-K |
| 09/30/2023 | 11/09/2023 | 10-Q |
| 06/30/2023 | 08/11/2023 | 10-Q |
| 03/31/2023 | 05/12/2023 | 10-Q |
| 12/31/2022 | 03/24/2023 | 10-K |
| 09/30/2022 | 11/10/2022 | 10-Q |
| 06/30/2022 | 08/11/2022 | 10-Q |
| 03/31/2022 | 05/12/2022 | 10-Q |
| 12/31/2021 | 03/24/2022 | 10-K |
Insider Activity
Updated 7/9/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Collazo, Andres | EVP, Operations & IT | Direct | Sell | 6082026 | 19.00 | 1,000 | 19,000 | 598,899 | Form |
| 2 | De, La Aguilera Luis | President and CEO | Direct | Sell | 5222026 | 18.30 | 49,414 | 904,276 | 4,445,894 | Form |
| 3 | De, La Aguilera Luis | President and CEO | Direct | Sell | 5212026 | 18.15 | 36,826 | 668,392 | 4,409,452 | Form |
| 4 | De, La Aguilera Luis | President and CEO | Direct | Sell | 5212026 | 18.01 | 4,931 | 88,807 | 4,375,439 | Form |
| 5 | De, La Aguilera Luis | President and CEO | Direct | Sell | 5192026 | 18.06 | 2,485 | 44,879 | 4,387,587 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Collazo, Andres | EVP, Operations & IT | Direct | Sell | 6082026 | 19.00 | 1,000 | 19,000 | 598,899 | Form |
| 2 | De, La Aguilera Luis | President and CEO | Direct | Sell | 5222026 | 18.30 | 49,414 | 904,276 | 4,445,894 | Form |
| 3 | De, La Aguilera Luis | President and CEO | Direct | Sell | 5212026 | 18.15 | 36,826 | 668,392 | 4,409,452 | Form |
| 4 | De, La Aguilera Luis | President and CEO | Direct | Sell | 5212026 | 18.01 | 4,931 | 88,807 | 4,375,439 | Form |
| 5 | De, La Aguilera Luis | President and CEO | Direct | Sell | 5192026 | 18.06 | 2,485 | 44,879 | 4,387,587 | Form |
| 6 | De, La Aguilera Luis | President and CEO | Direct | Sell | 5192026 | 18.05 | 805 | 14,530 | 4,385,157 | Form |
| 7 | De, La Aguilera Luis | President and CEO | Direct | Sell | 5152026 | 18.20 | 22,883 | 416,471 | 4,421,599 | Form |
| 8 | Abadin, Ramon | Direct | Sell | 5152026 | 18.21 | 9,000 | 163,890 | 447,256 | Form | |
| 9 | De, La Aguilera Luis | President and CEO | Direct | Sell | 5152026 | 18.06 | 19,947 | 360,243 | 4,387,587 | Form |
| 10 | De, La Aguilera Luis | President and CEO | Direct | Sell | 5132026 | 18.27 | 5,279 | 96,447 | 4,438,605 | Form |
| 11 | De, La Aguilera Luis | President and CEO | Direct | Sell | 5112026 | 18.14 | 10,005 | 181,491 | 4,407,022 | Form |
| 12 | De, La Aguilera Luis | President and CEO | Direct | Sell | 5072026 | 18.16 | 13,100 | 237,896 | 4,411,881 | Form |
| 13 | De, La Aguilera Luis | President and CEO | Direct | Sell | 5072026 | 18.12 | 16,895 | 306,137 | 4,402,163 | Form |
| 14 | Wycoff, W Kirk | Direct | Sell | 5012026 | 18.28 | 12,848 | 234,861 | 33,156,008 | Form | |
| 15 | Wycoff, W Kirk | Direct | Sell | 5012026 | 18.24 | 37,152 | 677,652 | 33,317,804 | Form | |
| 16 | Collazo, Andres | EVP, Operations & IT | Direct | Sell | 3102026 | 18.27 | 8,000 | 146,160 | 601,996 | Form |
| 17 | De, La Aguilera Luis | President and CEO | Direct | Sell | 1302026 | 18.02 | 10,000 | 180,200 | 4,430,992 | Form |
| 18 | Wycoff, W Kirk | Direct | Sell | 12122025 | 18.68 | 39,000 | 728,520 | 34,675,422 | Form | |
| 19 | Wycoff, W Kirk | Direct | Sell | 12112025 | 18.56 | 82,043 | 1,522,718 | 35,176,508 | Form | |
| 20 | Wycoff, W Kirk | Direct | Sell | 12032025 | 17.75 | 14,695 | 260,836 | 35,097,590 | Form | |
| 21 | Wycoff, W Kirk | Direct | Sell | 11262025 | 18.06 | 22,558 | 407,397 | 35,975,953 | Form | |
| 22 | Wycoff, W Kirk | Direct | Sell | 11252025 | 18.02 | 21,327 | 384,313 | 36,302,768 | Form | |
| 23 | Guerra-Kattou, Martha | EVP, Sales and Marketing | Direct | Sell | 9092025 | 16.85 | 6,000 | 101,100 | 629,162 | Form |
Investor Activity (13F)
Updated Aug 8, 2026Active 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 Manager |
|---|
| Active Manager |
|---|
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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