US Century Bank (USCB)

Official site

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$21.95

-0.20 (-0.90%)

Market Cap: $409.21M

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Performance (10Y)

Beat Rate

71%(15/21)

Avg Surprise

+6.62%

Streak

2 Q

Upcoming Estimates

Period ending Sep 30, 2026

EPS Consensus$0.56

Range$0.53 - $0.58

5 analysts

EPS Revisions

30d

EPS Estimate DriftChange to current

90d ago$0.51+8.2%

60d ago$0.51+8.2%

30d ago$0.51+8.2%

7d ago$0.55+1.1%

Current$0.56

Revenue Consensus

$29M

Range$29M - $30M

4 analysts

Period ending Dec 31, 2026

EPS Consensus$0.58

Range$0.56 - $0.60

5 analysts

Revenue Consensus

$31M

Range$30M - $32M

4 analysts

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Dec 31, 2026Dec 26EST	-	$0.58	$0.56 - $0.60	-	-	5	-	-
Sep 30, 2026Sep 26EST	-	$0.56	$0.53 - $0.58	-	-	5	4 0 30d	-
Jun 30, 2026Jun 26 Reported Jul 23, 2026Reported Jul 23	$0.49	$0.49	$0.47 - $0.50	+0.00%	Beat	5	1 3 30d	+22.5%
Mar 31, 2026Mar 26 Reported Apr 23, 2026Reported Apr 23	$0.51	$0.47	$0.46 - $0.48	+8.51%	Beat	5	0 4 30d	+34.2%
Dec 31, 2025Dec 25 Reported Jan 22, 2026Reported Jan 22	$0.24	N/A	-	-52.00%	Miss	5	4 0 30d	-29.4%
Sep 30, 2025Sep 25 Reported Oct 23, 2025Reported Oct 23	$0.45	$0.42	$0.40 - $0.43	+7.14%	Beat	5	1 0 30d	+28.6%
Jun 30, 2025Jun 25 Reported Jul 24, 2025Reported Jul 24	$0.40	$0.38	$0.37 - $0.39	+5.26%	Beat	5	1 3 30d	+29.0%
Mar 31, 2025Mar 25 Reported Apr 24, 2025Reported Apr 24	$0.38	$0.38	$0.37 - $0.38	+0.00%	Beat	5	3 0 30d	+65.2%
Dec 31, 2024Dec 24 Reported Jan 24, 2025Reported Jan 24	$0.34	$0.37	$0.35 - $0.38	-8.11%	Miss	4	4 0 30d	+100.0%
Sep 30, 2024Sep 24 Reported Oct 31, 2024Reported Oct 31	$0.35	$0.31	$0.29 - $0.32	+12.90%	Beat	5	No revisions (30d)	+52.2%
Jun 30, 2024Jun 24 Reported Jul 25, 2024Reported Jul 25	$0.31	$0.23	$0.22 - $0.24	+34.78%	Beat	4	No revisions (30d)	+47.6%
Mar 31, 2024Mar 24 Reported Apr 25, 2024Reported Apr 25	$0.23	$0.21	$0.19 - $0.23	+9.52%	Beat	4	No revisions (30d)	-20.7%
Dec 31, 2023Dec 23 Reported Mar 22, 2024Reported Mar 22	$0.17	$0.22	$0.21 - $0.23	-22.73%	Miss	4	No revisions (30d)	-22.7%
Sep 30, 2023Sep 23 Reported Oct 26, 2023Reported Oct 26	$0.23	$0.20	$0.18 - $0.22	+15.00%	Beat	4	No revisions (30d)	-17.9%
Jun 30, 2023Jun 23 Reported Jul 27, 2023Reported Jul 27	$0.21	$0.24	$0.23 - $0.25	-12.50%	Miss	4	No revisions (30d)	-19.2%
Mar 31, 2023Mar 23 Reported Apr 27, 2023Reported Apr 27	$0.29	$0.26	$0.24 - $0.27	+11.54%	Beat	3	No revisions (30d)	+20.8%
Dec 31, 2022Dec 22 Reported Mar 24, 2023Reported Mar 24	$0.22	$0.30	$0.30 - $0.31	-26.67%	Miss	3	No revisions (30d)	-26.7%
Sep 30, 2022Sep 22 Reported Oct 27, 2022Reported Oct 27	$0.28	$0.30	$0.29 - $0.31	-6.67%	Miss	3	No revisions (30d)	-24.3%
Jun 30, 2022Jun 22 Reported Jul 28, 2022Reported Jul 28	$0.26	$0.26	$0.24 - $0.28	+0.00%	Beat	3	No revisions (30d)	-31.6%
Mar 31, 2022Mar 22 Reported Apr 28, 2022Reported Apr 28	$0.24	$0.24	$0.23 - $0.25	+0.00%	Beat	3	No revisions (30d)	+0.0%
Dec 31, 2021Dec 21 Reported Mar 24, 2022Reported Mar 24	$0.30	$0.24	$0.22 - $0.24	+25.00%	Beat	3	No revisions (30d)	-24.7%
Sep 30, 2021Sep 21 Reported Oct 28, 2021Reported Oct 28	$0.37	$0.25	$0.22 - $0.28	+48.00%	Beat	3	No revisions (30d)	+462.3%
Jun 30, 2021Jun 21 Reported Jul 30, 2021Reported Jul 30	$0.38	$0.20	-	+90.00%	Beat	-	-	+300.8%
Mar 31, 2021Mar 21 Reported Jun 2, 2021Reported Jun 2	$0.24	$0.00	-	N/A	Beat	-	-	-
Dec 31, 2020Dec 20 Reported Mar 31, 2021Reported Mar 31	$0.40	$0.00	-	N/A	Beat	-	-	-
Mar 31, 2020Mar 20 Reported Jun 30, 2020Reported Jun 30	$0.07	$0.00	-	N/A	Beat	-	-	-
Dec 31, 2019Dec 19 Reported Mar 30, 2020Reported Mar 30	$0.09	$0.00	-	N/A	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield2.28%

Forward Annual Dividend$0.50

Payout Ratio30.54%

FrequencyQuarterly

Pay MonthsMar, Jun, Sep, Dec

USCB dividend history and ex-dividend dates Run USCB in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	12.99	EV/EBITDA	14.11x
Price/FCF	8.26x	FCF Yield	12.11%
Profitability
Profit Margin	30.40%	Operating Margin	49.10%
ROE	12.40%	ROIC	5.59%
Financial Health
Debt/Equity	1.20x	Interest Coverage	0.64x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.44	Avg Volume	77.82K
52-Week High	$23.89	52-Week Low	$16.12

Technical Indicators Dashboard

Moving Averages

SMA 10$22.19

SMA 20$22.44

SMA 50$22.53

SMA 200$20.00

EMA 10$22.19

EMA 20$22.34

EMA 50$22.18

EMA 200$20.31

MACD

Line: -0.14Signal: -0.08Hist: -0.06

ADX

ADX: 17.4+DI: 20.1-DI: 23.0

Aroon & PSAR

Aroon Up12.0

Aroon Down64.0

PSAR$21.40

Bollinger Bands

Upper Band$23.26

Lower Band$21.62

%B Position731%(Upper)

Band Width0.20

RSI (14-Day)

Neutral

42.2

Momentum Oscillators

Stoch %K48.0

Stoch %D46.2

Williams %R-63.2

ROC (10d)0.5%

Momentum0.12

CCI (20d)-105.4

MFI (14d)23.1

Volatility Measures

ATR (14d)$0.53(2.4%)

StdDev (20d)0.41

Hist Vol18.1%(Low)

Volume Flow

VWAP$21.93

OBV1.5M

AD Line-13.0M

CMF (20d)0.062

Volume Metrics

Avg Vol (20d)75.4K

Vol Ratio0.8x

VWMA (20d)$22.64

Pivot Points

R3$23.35

R2$23.03

R1$22.59

Pivot Point$22.27

S1$21.83

S2$21.51

S3$21.07

Advanced Oscillators

TSI-9.49

Ultimate Osc44.4

KST-23.19

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$27.95M	$26.20M	$18.03M	$24.96M	$24.40M	$22.83M	$22.98M	$21.55M	$20.52M	$17.62M	$15.70M	$16.18M
Cost of Revenue	N/A	$801,000	$15.43M	$16.55M	$16.15M	$15.54M	$15.84M	$16.38M	$16.09M	$16.14M	$15.07M	$13.01M
Gross Profit	N/A	$25.40M	$18.03M	$24.85M	$23.37M	$22.15M	$21.95M	$20.62M	$19.74M	$17.21M	$14.23M	$15.53M

Operating Expenses	$13.97M	$13.71M	$14.28M	$13.05M	$12.63M	$12.05M	$12.85M	$11.45M	$11.56M	$11.17M	$10.72M	$10.46M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Operating Income	N/A	$11.69M	$3.27M	$11.80M	$10.74M	$10.10M	$9.10M	$9.16M	$8.18M	$6.04M	$3.51M	$5.07M

Interest Income	$39.58M	$37.03M	$37.63M	$37.72M	$36.15M	$33.98M	$34.17M	$33.56M	$32.62M	$30.89M	$27.98M	$26.38M
Interest Expense	$15.19M	$14.98M	$15.43M	$16.45M	$15.12M	$14.86M	$14.81M	$15.45M	$15.31M	$15.73M	$13.60M	$12.36M
Income Before Tax	$12.71M	$11.69M	$3.27M	$11.80M	$10.74M	$10.10M	$9.10M	$9.16M	$8.18M	$6.04M	$3.51M	$5.07M
Income Tax Expense	$3.64M	$2.33M	$1.91M	$2.87M	$2.60M	$2.44M	$2.20M	$2.21M	$1.97M	$1.43M	$787,000	$1.25M

Net Income	$9.08M	$9.35M	$1.36M	$8.94M	$8.14M	$7.66M	$6.90M	$6.95M	$6.21M	$4.61M	$2.72M	$3.82M

EBITDA	$12.57M	$11.79M	$3.33M	$12.00M	$10.53M	$10.16M	$9.10M	$9.73M	$8.33M	$6.04M	$3.59M	$4.67M
EBIT	$12.71M	$11.69M	$3.27M	$11.80M	$10.74M	$10.10M	$9.10M	$9.16M	$8.18M	$6.04M	$3.51M	$5.07M

* Some calculated fields are derived from available data when not provided by source

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News

U.S. Century Bank Recognized by Industry Leader Piper Sandler as a Top Performing Small-Cap Bank for Third Year

U.S. Century Bank's parent company, USCB Financial Holdings, Inc. (NASDAQ: USCB), has been recognized for the third consecutive year as a top-performing small-cap bank by Piper Sandler. USCB is the only Florida bank...

citybiz•Sep 23, 2026 4:50 PM ET9/23/26•Bullish

Analysts Offer Insights on Financial Companies: Hometrust Bancshares (HTB), Corebridge Financial, Inc. (CRBG) and Galaxy Digital (GLXY)

Analysts have provided new ratings for several financial companies. KBW maintained a Buy rating for Hometrust Bancshares (HTB) with a $53.00 price target...

The Globe and Mail•Aug 20, 2026 6:40 AM ET8/20/26•Neutral

T. Rowe Price Investment Management (USCB) discloses 8.6% ownership of USCB Financial

T. Rowe Price Investment Management, Inc. has filed an Amendment No. 2 to a Schedule 13G, disclosing an 8.6% passive ownership stake in USCB Financial Holdings Inc....

Stock Titan•Aug 14, 2026 10:11 AM ET8/14/26•Neutral

Is It Smart To Buy USCB Financial Holdings, Inc. (NASDAQ:USCB) Before It Goes Ex-Dividend?

USCB Financial Holdings, Inc. (NASDAQ:USCB) is approaching its ex-dividend date on August 17th, with a dividend of US$0.125 per share. The company currently offers a 2.2% trailing yield and pays out a modest 29% of its...

Sahm•Aug 13, 2026 1:41 PM ET8/13/26•Bullish

USCB Financial (NASDAQ: USCB) boosts Q2 profit as loans and assets grow

USCB Financial Holdings (NASDAQ: USCB) reported a strong Q2 2026 performance, with net income rising to $9.1 million and diluted EPS reaching $0.49...

Stock Titan•Aug 8, 2026 12:12 AM ET8/8/26•Bullish

USCB Valuation and Fair Value

P/E: 13.0x
Forward P/E: 11.4x
EV/EBITDA: 14.1x
P/FCF: 8.3x
P/B: 1.7x

See GNG's fair value

USCB Profitability: Margins, ROIC and FCF

Operating margin: 49.1%
Net margin: 30.4%
ROIC: 5.6%
ROE: 12.4%
FCF margin: 50.5%
FCF yield: 12.1%

USCB Competitors

Company	Ticker
HCM II Acquisition Corp	HOND
Value Line Inc	VALU
K&F Growth Acquisition Corp. II Class A Ordinary shares	KFII
New Providence Acquisition Corp. III Class A Ordinary Shares	NPAC
Bank of Marin Bancorp	BMRC
Oportun Financial Corp	OPRT
Pioneer Bancorp Inc	PBFS
Investar Holding Corp	ISTR

Sector: Financial Services

USCB Analyst Ratings

Consensus: Buy
Analysts: 5
Strong Buy: 2
Buy: 1
Hold: 2
Sell: 0
Strong Sell: 0

USCB Bull Case vs Bear Case

Bull case

USCB converts 50.5% of revenue into free cash flow.
USCB has a 30.4% net profit margin.
USCB grew quarterly revenue 14.1% year over year.

USCB Earnings: Beat Rate and Next Report

Beat rate: 4 of 8 quarters (50.0%)
Average surprise: -3.3%
EPS estimate (fiscal period ending Sep 30, 2026): $0.56
Estimate revisions (30 days, fiscal period ending Sep 30, 2026): 4 up, 0 down

USCB Dividend

Forward yield: 2.3%
Payout ratio: 30.5%
Pay months: Mar, Jun, Sep, Dec

USCB dividend history

Frequently Asked Questions About USCB

What is USCB's current dividend yield?

US Century Bank (USCB) has a forward dividend yield of 2.28%.

Does USCB pay dividends?

Yes, US Century Bank pays dividends with a forward dividend yield of 2.28%.

What is USCB's P/E ratio?

US Century Bank has a price-to-earnings (P/E) ratio of 12.99.

What is USCB's market cap?

US Century Bank (USCB) has a market capitalization of $409.21M with a current stock price of $21.95.

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