USCBFinancial Services · Banks - RegionalThe 5 Wall Street analysts covering USCB Financial Holdings, Inc. hold a median 12-month price target of $23 — +16.6% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 39 of 100 as at 4 Nov 2026 — in the lower half. The Street sees upside; the factor read is a caution. That gap is the story on this page.
Consensus tells you what everyone already believes. The model scores USCB Financial Holdings, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Momentum (75): The shares have been drifting up relative to others.
Accruals (22): A large share of reported profit has not shown up as cash, or the balance sheet is expanding quickly — both tend to unwind.
Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.
The bullish and bearish analyst opinions on USCB, reported as data — targets and ratings, the market's view beside the model's.
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Data provided by Twelve Data
The green dot is the last close — the median target sits +16.6% from it.
Of the 20 most recent actions, 3 moved their price target up and 2 moved it down.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 27 Oct 2026 | Piper Sandler | Maintains | Overweight | $27 → $24 |
| 26 Oct 2026 | Raymond James | Downgrade | Outperform | $25 → $23 |
| 3 Aug 2026 | Keefe, Bruyette & Woods | Maintains | Outperform | — |
| 3 Aug 2026 | Keefe, Bruyette & Woods | Maintains | Outperform | $22 → $24 |
| 27 July 2026 | Piper Sandler | Maintains | Overweight | — |
| 27 July 2026 | Piper Sandler | Maintains | Overweight | $24 → $27 |
| 28 Apr 2026 | Piper Sandler | Maintains | Overweight | $23 → $24 |
| 28 Apr 2026 | Piper Sandler | Maintains | Overweight | — |
| 8 Sept 2025 | Piper Sandler | Maintains | Overweight | — |
| 8 Sept 2025 | Raymond James | Upgrade | Strong Buy | — |
| 28 July 2025 | Raymond James | Upgrade | Outperform | — |
| 28 Apr 2025 | Keefe, Bruyette & Woods | Maintains | Outperform | — |
| 2 Apr 2025 | Raymond James | Downgrade | Market Perform | — |
| 4 Nov 2024 | Piper Sandler | Upgrade | Overweight | — |
| 29 July 2024 | Keefe, Bruyette & Woods | Maintains | Outperform | — |
| 30 Jan 2024 | Keefe, Bruyette & Woods | Maintains | Outperform | — |
| 29 Jan 2024 | Raymond James | Maintains | Outperform | — |
| 31 July 2023 | Piper Sandler | Maintains | Neutral | — |
| 11 July 2023 | Janney Montgomery Scott | Initiates | Neutral | — |
| 2 May 2023 | Keefe, Bruyette & Woods | Maintains | Outperform | — |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
USCB appears in the Radar on the weeks it earns a place.
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Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 4 Nov 2026, USCB Financial Holdings, Inc. returned +17.7% against +14.8% for the S&P 500, dividends included.
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Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 51% of US stocks
Cheaper than 31% of US stocks
Cheaper than 50% of US stocks
Higher than 49% of US stocks
Higher than 44% of US stocks
Higher than 95% of US stocks
Higher than 89% of US stocks
Higher than 71% of US stocks
Higher than 50% of US stocks
Higher than 83% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
The headline figures, each with its date. Every row carries its own link — cite it straight from here.
USCB Financial Holdings, Inc. has a market value of $366.0M and an enterprise value of $545.0M.
Revenue in the twelve months to 30 June 2026: $97.1M. The latest quarter grew 8.3% year on year.
Net income over the same four quarters: $28.7M, a 29.6% net margin.
Free cash flow in the twelve months to 30 June 2026: $49.1M.
USCB Financial Holdings, Inc. spent $35.4M on share buybacks and $8.4M on dividends in the twelve months to 30 June 2026.
Trailing P/E: 12.7×; forward P/E: 9.2× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 2.52%, paying out 29% of earnings.
USCB Financial Holdings, Inc. employs 222 people — $438K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
| Company | Market cap | TKN rank |
|---|---|---|
| USCBUSCB Financial Holdings, Inc. | $366.0M | 39 |
| BRBSBlue Ridge Bankshares, Inc. (Virginia) | $371.8M | 34 |
| CFFIC&F Financial Corp. | $363.4M | 72 |
| TSBKTimberland Bancorp, Inc. (Washington) | $374.5M | 73 |
| FRSTPrimis Financial Corp. | $374.9M | 72 |
| WSBFWaterstone Financial, Inc. | $376.4M | 91 |
| ISBAIsabella Bank Corp. | $355.7M | 43 |
Look up any of the roughly 4,600 stocks we score.
The rank is the raw material. Whether the rules would actually own USCB Financial Holdings, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →
USCB Financial hired four deposit bankers who collectively managed $700 million in deposits. Its net income for the first nine months reached $28 million, exceeding its prior full-year records.
Why it matters — The hiring and reported earnings provide USCB watchers with updates on deposit-banking talent and recent financial performance.
USCB Financial Holdings held its third-quarter 2026 earnings conference call on October 23, 2026. The excerpt identifies company executives and analysts participating but provides no discussion of results.
Why it matters — The call is a company update, but the supplied excerpt contains no financial details or management commentary to assess.
USCB Financial reported record third-quarter 2026 earnings, supported by year-over-year loan growth and net interest income. Management also outlined continued investments in deposit gathering, commercial lending and technology.
Why it matters — The results and planned investments offer USCB watchers insight into the factors supporting the quarter and the company’s ongoing priorities.
Zacks Investment Research says USCB Financial’s revenue and EPS for the quarter ended September 2026 provide a view of its performance, while highlighting that key metrics can also be compared with Wall Street estimates and year-ago figures. The excerpt does not provide the results of those comparisons.
Why it matters — Those comparisons may give USCB watchers additional context for assessing quarterly performance beyond revenue and EPS.
USCB Financial Holdings reported quarterly earnings of $0.51 per share, below the Zacks Consensus Estimate of $0.55. Earnings were $0.45 per share a year earlier.
Why it matters — USCB watchers may note the earnings shortfall against consensus alongside the year-over-year increase in earnings per share.
The 5 Wall Street analysts covering USCB Financial Holdings, Inc. have a median 12-month price target of $23, with estimates ranging from $22 to $24. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.
Of the 5 analysts covering USCB Financial Holdings, Inc., 3 rate it a Buy, 2 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks USCB Financial Holdings, Inc. 39 out of 100 across roughly 4,600 US stocks as at 4 Nov 2026. None of this is personal advice — it does not consider your circumstances.
As at 4 Nov 2026, USCB Financial Holdings, Inc. ranks 39 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Momentum (75 of 100).
No one can know that. What the data says: the median 12-month target from 5 analysts implies +16.6% from the last close, and Ticker Nerd's factor model ranks USCB Financial Holdings, Inc. 39 out of 100 as at 4 Nov 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
No analyst covering USCB Financial Holdings, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for USCB are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $22 to $24 over the next 12 months.
USCB Financial Holdings, Inc. returned +17.7% over the 12 months to 4 Nov 2026, with dividends reinvested. Past performance does not indicate future returns.
USCB Financial Holdings, Inc. Class A Common Stock represents the equity of USCB Financial Holdings, Inc., the bank holding company for U.S.
The most recent item we track (The Motley Fool, 26 Oct 2026): "USCB Financial: 3 Key Takeaways for Long-Term Investors". USCB Financial hired four deposit bankers who collectively managed $700 million in deposits. Its net income for the first nine months reached $28 million, exceeding its prior full-year records.
USCB Financial Holdings, Inc. Class A Common Stock represents the equity of USCB Financial Holdings, Inc., the bank holding company for U.S. Century Bank. USCB Financial Holdings, Inc. operates as a community banking group focused on serving individuals and businesses through a broad range of deposit, lending, and cash management solutions. Its offerings include personal and business checking and savings accounts, credit cards, real estate loans, and other commercial banking services delivered through branch locations and online banking channels. The company’s market role is centered on relationship banking, with an emphasis on supporting everyday financial needs, small and medium-sized businesses, and local commercial activity. Headquartered in Doral, Florida, USCB Financial Holdings, Inc. is positioned within the regional banking segment of the financial services sector.
CEO Mr. Luis F. de la Aguilera · 222 employees · United States · https://www.uscentury.com
