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Uscb Financial Holdings

USCB on Nasdaq. Uscb Financial Holdings sells personal and business banking products to people and businesses in South Florida. Market value $415m.

Watch this stockFree. We tell you when something changes.

Price checks use the past 12 months to June 2026. Some use the latest annual report instead, as marked. Quality checks use five annual reports, the latest for the year to December 2025.

We can't read total debt from the filing, so debt is left out.

Should I look at this?

Not a fit for our list right now

Why it could be worth it

Nothing stands out yet.

What to watch out for

See Financial services stocks that passed both tests

This is not advice. Check the numbers below.

Compare with another stock

Return on equity
five annual reports to December 2025
11.2%five-year median

Yearly profit per dollar of owners' money: 11 cents. Above 10 is good.

Price to book
quarterly report to June 2026
1.8×

What you pay for each dollar of net assets: $1.77.

Earnings yield
past 12 months to June 2026
7.0%

Profit per $100 you pay: $6.97.

Quality score: 65 of 100. Price score: 74 of 100. Our list needs 70 on quality and 60 on price.

$22.30 a share, 36% above its 1-year low

Over the past year the price has ranged from $16.36 to $23.89.

Dividend: 1.9% a year

Paid every year for 2 years

Payouts have jumped around in recent years, so this may not repeat.

Prices from Tuesday’s close (6 October).

Five years of cash, in billions

n/a
n/a
n/a
n/a
n/a
20212022202320242025
Revenue
n/an/an/an/an/a
Operating margin
n/an/an/an/an/a
Debt to equity
n/an/an/an/an/a
Shares outstanding
0.02bn0.02bn0.02bn0.02bn0.02bn

Health checks

  • Free cash flow positiveDoesn't apply to banks and insurers
  • Accounting checksDoesn't apply to banks and insurers
  • DebtDoesn't apply to banks and insurers
  • Revenue growth, five yearsUnknown
  • Buying back its own sharesYes, 8% fewer since 2021

The quarter to June 2026

How the business did, compared with the same quarter a year earlier.

  • Profit: $9 million, up 12% on a year ago.
  • Spare cash over the past 12 months: $49 million, up from $41 million.
Profit by quarter
Profit by quarter
Quarter toAmount
September 2024$7m
December 2024$7m
March 2025$8m
June 2025$8m
September 2025$9m
December 2025$1m
March 2026$9m
June 2026$9m

From the company's quarterly reports to the SEC.

Dates

Next results (estimated)
n/a
Last annual report (10-K)
13 March 2026
Next quarterly (estimated, 10-Q)
6 November 2026

Who owns it

1 long-term investor we follow owns it, unchanged from 1 last quarter. 96 funds in all.

Jun '25
Dec '25
Jun '26
Largest holders overall

From 13F filings for the quarter ended 30 June 2026.

Big holders and activists

6 investors own more than 5%.

From Schedule 13D and 13G filings: anyone owning more than 5% must file one.

What insiders did

No insider bought shares on the open market in the last 12 months. 4 sold $7m.

  • COLLAZO ANDRES
    EVP, Operations & IT
    Sold
    Date
    8 June 2026
    Shares
    1,000
    Price
    $19.00
    Value
    $19,000
  • DE LA AGUILERA LUIS
    President and CEO, Director
    Sold
    Date
    21 May 2026
    Shares
    49,414
    Price
    $18.30
    Value
    $904,276
  • DE LA AGUILERA LUIS
    President and CEO, Director
    Sold
    Date
    20 May 2026
    Shares
    36,826
    Price
    $18.15
    Value
    $668,392
  • DE LA AGUILERA LUIS
    President and CEO, Director
    Sold
    Date
    19 May 2026
    Shares
    4,931
    Price
    $18.01
    Value
    $88,807
  • DE LA AGUILERA LUIS
    President and CEO, Director
    Sold
    Date
    18 May 2026
    Shares
    2,485
    Price
    $18.06
    Value
    $44,879
  • DE LA AGUILERA LUIS
    President and CEO, Director
    Sold
    Date
    15 May 2026
    Shares
    805
    Price
    $18.05
    Value
    $14,530
  • DE LA AGUILERA LUIS
    President and CEO, Director
    Sold
    Date
    14 May 2026
    Shares
    22,883
    Price
    $18.20
    Value
    $416,471
  • ABADIN RAMON
    Director
    Sold
    Date
    14 May 2026
    Shares
    9,000
    Price
    $18.21
    Value
    $163,890
  • DE LA AGUILERA LUIS
    President and CEO, Director
    Sold
    Date
    13 May 2026
    Shares
    19,947
    Price
    $18.06
    Value
    $360,243
  • ABADIN RAMON
    Director
    Sold
    Date
    13 May 2026
    Shares
    6,552
    Price
    $18.03
    Value
    $118,133

From Form 4 filings: insiders must report trades in their own company's shares within two days.

What could go wrong

Cheap for a reason is the question the numbers cannot answer.

Whether the price already reflects the risks is what the deep dive is for.

The deep dive

Everything above is arithmetic on public filings. The deep dive reads the last ten years of annual reports, the proxy statements, and the earnings calls, then argues the case the way Buffett, Klarman, and Hohn would, and checks every claim against the source.

  • What the business is worth, as a range, and the margin of safety at today’s price
  • Prices to start buying, buy, and buy hard
  • The three things that would make this a mistake
  • Every number footnoted to the filing it came from
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What a finished deep dive looks like

Not advice. Numbers on this page come from SEC filings and are updated each night; prices are updated again after the US market closes. The five-year figures are rounded.