USCB FINANCIAL HOLDINGS, INC.
USCBNasdaq
$20.48
↓ -2.2%Jul 17 close · end-of-day
Price
1Y↑ +23.4%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
—
Enterprise Value
—
P/E
—
P/S
—
P/B
—
EV/EBITDA
—
PEG
—
FCF Yield
—
Dividend Yield
—
Revenue (TTM)
—
Net Income (TTM)
$27.8M
Free Cash Flow (TTM)
$42.9M
Gross Margin
—
Operating Margin
—
Net Margin
—
ROE
12.4%
ROIC
—
Debt / Equity
—
Net Cash
$79.0M
Return 1Y
+23.1%
Company profile
USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various banking products and services to small-to-medium sized businesses. The company accepts checking, savings, money market, and time deposit accounts; and certificates of deposit. Its loan products include residential real estate loans; commercial real estate loans; commercial and industrial loans; foreign banks loans; and secured and unsecured consumer loans comprising personal loans, overdrafts, and deposit account collateralized loans. The company also offers treasury, commercial payments, cash management, and online banking services. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida.
- CEO
- Luis de la Aguilera
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 196
- Headquarters
- Florida
- Website
- uscentury.com
Management & directors
- Garrido Sergio E.SVP, Chief Credit Officer
- Collazo AndresExecutive VP, Operations & IT
- De La Aguilera LuisPresident and CEO
- Anderson Robert B.Executive VP and CFO
- Bustle NicholasEVP and Chief Lending Officer
- Gomez OscarExecutive VP, Global Banking
- Guerra-Kattou MarthaEVP, Sales and Marketing
- Logrono MaricarmenEVP and Chief Risk Officer
- Turner WilliamEVP and Chief Credit Officer
Roles derived from SEC Form 4 filings.
Earnings
USCB Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue——
Diluted EPS$0.51↑ +34.2%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $10.8M | $21.1M | $20.1M | $16.5M | $24.7M | $26.1M |
| Diluted EPS | — | — | — | — | $1.24 | $1.33 |
| Operating cash flow | $13.1M | $22.1M | $29.5M | $22.5M | $34.8M | $42.8M |
| Free cash flow | $12.8M | $21.4M | $28.9M | $22.4M | $34.5M | $42.5M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $6.2M | $6.9M | $6.9M | $7.7M | $8.1M | $8.9M | $1.4M | $9.4M |
| Diluted EPS | — | $0.35 | — | $0.38 | — | $0.45 | — | $0.51 |
| Operating cash flow | $18.3M | $11.3M | -$2.9M | $14.6M | $18.0M | $20.1M | -$10.0M | $15.3M |
| Free cash flow | $18.2M | $11.2M | -$3.0M | $14.6M | $18.0M | $20.0M | -$10.1M | $15.0M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — | — | — |
Company news
Jul 20, 2026
Jul 6, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-07-06 | Garrido Sergio E.· SVP, Chief Credit Officer | Award | 15,000 | $0.00 | $0.00 | filing |
| 2026-06-08 | COLLAZO ANDRES· EVP, Operations & IT | Sale | 1,000 | $19.00 | $19,000.00 | filing |
| 2026-05-21 | DE LA AGUILERA LUIS· President and CEO | Sale | 49,414 | $18.30 | $904,276.20 | filing |
| 2026-05-21 | DE LA AGUILERA LUIS· President and CEO | Option exercise | 49,414 | $12.05 | $595,438.70 | filing |
| 2026-05-20 | DE LA AGUILERA LUIS· President and CEO | Sale | 36,826 | $18.15 | $668,391.90 | filing |
| 2026-05-20 | DE LA AGUILERA LUIS· President and CEO | Option exercise | 36,826 | $12.05 | $443,753.30 | filing |
| 2026-05-19 | DE LA AGUILERA LUIS· President and CEO | Sale | 4,931 | $18.01 | $88,807.31 | filing |
| 2026-05-19 | DE LA AGUILERA LUIS· President and CEO | Option exercise | 4,931 | $12.05 | $59,418.55 | filing |
| 2026-05-18 | DE LA AGUILERA LUIS· President and CEO | Sale | 2,485 | $18.06 | $44,879.10 | filing |
| 2026-05-18 | DE LA AGUILERA LUIS· President and CEO | Option exercise | 2,485 | $12.05 | $29,944.25 | filing |
| 2026-05-15 | DE LA AGUILERA LUIS· President and CEO | Sale | 805 | $18.05 | $14,530.25 | filing |
| 2026-05-15 | DE LA AGUILERA LUIS· President and CEO | Option exercise | 805 | $12.05 | $9,700.25 | filing |
| 2026-05-14 | DE LA AGUILERA LUIS· President and CEO | Sale | 22,883 | $18.20 | $416,470.60 | filing |
| 2026-05-14 | DE LA AGUILERA LUIS· President and CEO | Option exercise | 22,883 | $12.05 | $275,740.15 | filing |
| 2026-05-14 | ABADIN RAMON | Sale | 9,000 | $18.21 | $163,890.00 | filing |
| 2026-05-14 | ABADIN RAMON | Option exercise | 4,000 | $11.35 | $45,400.00 | filing |
| 2026-05-14 | ABADIN RAMON | Option exercise | 5,000 | $7.50 | $37,500.00 | filing |
| 2026-05-13 | DE LA AGUILERA LUIS· President and CEO | Sale | 19,947 | $18.06 | $360,242.82 | filing |
| 2026-05-13 | DE LA AGUILERA LUIS· President and CEO | Option exercise | 19,947 | $12.05 | $240,361.35 | filing |
| 2026-05-13 | ABADIN RAMON | Sale | 6,552 | $18.03 | $118,132.56 | filing |
| 2026-05-11 | DE LA AGUILERA LUIS· President and CEO | Sale | 5,279 | $18.27 | $96,447.33 | filing |
| 2026-05-11 | DE LA AGUILERA LUIS· President and CEO | Option exercise | 5,279 | $12.05 | $63,611.95 | filing |
| 2026-05-07 | DE LA AGUILERA LUIS· President and CEO | Sale | 10,005 | $18.14 | $181,490.70 | filing |
| 2026-05-07 | DE LA AGUILERA LUIS· President and CEO | Option exercise | 10,005 | $11.35 | $113,556.75 | filing |
| 2026-05-06 | DE LA AGUILERA LUIS· President and CEO | Sale | 13,100 | $18.16 | $237,896.00 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.