USCB Stock Price, U.S. Century Bank Quote, Chart

Market Summary

USD12.43+0.17

Delayed

1.39%

USCB Alerts

2 major insider buys recently.

USCB Stock Price

View Fullscreen

USCB RSI Chart

USCB Valuation

Market Cap

244.3M

Price/Earnings (Trailing)

15.91

Price/Sales (Trailing)

2.23

EV/EBITDA

1.51

Price/Free Cashflow

11.45

USCB Price/Sales (Trailing)

USCB Profitability

EBT Margin

18.39%

Return on Equity

7.87%

Return on Assets

0.62%

Free Cashflow Yield

8.74%

USCB Fundamentals

USCB Revenue

Revenue (TTM)

109.5M

Rev. Growth (Yr)

38.02%

Rev. Growth (Qtr)

10.41%

USCB Earnings

Earnings (TTM)

15.3M

Earnings Growth (Yr)

-20.61%

Earnings Growth (Qtr)

69.5%

Breaking Down USCB Revenue

Last 7 days

1.5%

Last 30 days

18.3%

Last 90 days

8.9%

How does USCB drawdown profile look like?

USCB Financial Health

USCB Investor Care

Shares Dilution (1Y)

0.14%

Diluted EPS (TTM)

0.84

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2024	109.5M	0	0	0
2023	78.1M	85.7M	93.6M	101.0M
2022	58.3M	61.5M	65.5M	71.1M
2021	53.7M	54.7M	55.7M	56.7M
2020	0	0	0	52.6M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of U.S. Century Bank

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
May 07, 2024	anderson robert b.	bought	37,140	12.38	3,000	executive vp and cfo
May 06, 2024	anderson robert b.	bought	35,730	11.91	3,000	executive vp and cfo
May 01, 2024	anderson robert b.	bought	11,330	11.48	987	executive vp and cfo
Apr 30, 2024	anderson robert b.	bought	214,879	11.14	19,289	executive vp and cfo
Apr 30, 2024	rodriguez ramon a	bought	10,062	11.18	900	-
Apr 22, 2024	kafafian robert e.	acquired	-	-	4,229	-
Apr 22, 2024	fernandez bernardo b. jr.	acquired	-	-	940	-
Mar 14, 2024	anderson robert b.	bought	44,840	11.21	4,000	executive vp and cfo

Which funds bought or sold USCB recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-38.91	-9,156	12,061	-%
May 16, 2024	JANE STREET GROUP, LLC	sold off	-100	-161,332	-	-%
May 15, 2024	BARCLAYS PLC	reduced	-35.7	-99,000	145,000	-%
May 15, 2024	Elizabeth Park Capital Advisors, Ltd.	reduced	-4.84	-175,055	1,354,960	1.12%
May 15, 2024	Tower Research Capital LLC (TRC)	added	118	9,710	19,118	-%
May 15, 2024	PATRIOT FINANCIAL PARTNERS GP, LP	unchanged	-	-3,813,020	51,139,400	19.07%
May 15, 2024	Curi RMB Capital, LLC	unchanged	-	-591,316	7,930,590	0.18%
May 15, 2024	ENDEAVOUR CAPITAL ADVISORS INC	added	5.33	-314,937	15,632,600	5.40%
May 15, 2024	MENDON CAPITAL ADVISORS CORP	reduced	-89.81	-722,528	9,583,880	5.14%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	unchanged	-	-14,875	199,500	-%

Are Funds Buying or Selling USCB?

Are funds buying USCB calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own USCB

No. of Funds

USCB Alerts

2 major insider buys recently.

Unveiling U.S. Century Bank's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	endeavour capital advisors inc	6.7%	1,301,840	SC 13G/A

Recent SEC filings of U.S. Century Bank

View All Filings

Date Filed	Form Type	Document
May 17, 2024	4	Insider Trading
May 10, 2024	10-Q	Quarterly Report
May 07, 2024	4	Insider Trading
May 02, 2024	4	Insider Trading
May 01, 2024	4	Insider Trading
Apr 30, 2024	4	Insider Trading
Apr 30, 2024	4	Insider Trading
Apr 25, 2024	8-K	Current Report
Apr 23, 2024	8-K	Current Report
Apr 23, 2024	ARS	ARS

U.S. Century Bank News

Latest updates

U.S. Century Bank Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)														(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4
Revenue	10.4%	31.00	28.00	26.00	24.00	22.00	21.00	18.00	17.00	15.00	15.00	14.00	14.00	14.00	-
EBITDA Margin	-10.6%	0.71*	0.80*	0.91*	1.05*	1.19*	1.28*	1.37*	1.42*	1.41*	1.41*	1.02*	1.04*	1.06*	1.08*
Interest Expenses	5.4%	15.00	14.00	14.00	14.00	16.00	17.00	17.00	16.00	14.00	14.00	13.00	12.00	12.00	-
Income Taxes	81.2%	1.00	1.00	1.00	1.00	2.00	1.00	2.00	2.00	2.00	2.00	2.00	1.00	1.00	-
Earnings Before Taxes	72.1%	6.00	4.00	5.00	6.00	8.00	6.00	8.00	7.00	7.00	7.00	9.00	5.00	6.00	-
EBT Margin	-14.8%	0.18*	0.22*	0.26*	0.31*	0.36*	0.38*	0.44*	0.48*	0.48*	0.49*	0.24*	0.25*	0.25*	0.25*
Net Income	69.5%	5.00	3.00	4.00	4.00	6.00	4.00	6.00	5.00	5.00	6.00	7.00	4.00	5.00	-
Net Income Margin	-14.4%	0.14*	0.16*	0.19*	0.23*	0.27*	0.28*	0.33*	0.36*	0.36*	0.37*	0.19*	0.20*	0.20*	0.21*
Free Cashflow	232.0%	8.00	-6.01	8.00	11.00	9.00	-2.52	11.00	14.00	5.00	-1.92	10.00	10.00	4.00	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet											(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2020Q4
Assets	6.4%	2,489	2,339	2,245	2,226	2,164	2,086	2,037	2,016	1,967	1,854	1,502
Cash Equivalents	208.2%	127	41.00	33.00	87.00	63.00	54.00	73.00	83.00	94.00	46.00	48.00
Net PPE	-1.0%	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	6.00
Liabilities	6.8%	2,294	2,147	2,062	2,042	1,980	1,903	1,860	1,836	1,775	1,650	1,331
Shareholder's Equity	1.6%	195	192	183	184	184	182	177	180	192	204	171
Retained Earnings	4.1%	-84.95	-88.55	-91.27	-95.09	-99.62	-104	-108	-114	-119	-124	-53.62
Additional Paid-In Capital	0.2%	306	305	306	306	306	311	311	311	311	311	178
Shares Outstanding	-	-	-	-	20.00	-	-	-	-	-	-	-
Float	-	-	-	-	105	-	-	-	125	-	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)														(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4
Cashflow From Operations	234.3%	8,026	-5,978	8,338	11,185	9,001	-2,025	11,457	14,502	5,603	-1,597	9,797	9,792	4,059	-
Share Based Compensation	18.8%	360	303	287	295	127	126	132	137	128	156	34.00	44.00	53.00	-
Cashflow From Investing	19.7%	-66,424	-82,717	-76,804	-44,249	-69,232	-69,772	-39,325	-80,769	-80,735	-127,436	-61,120	-94,906	-75,901	-
Cashflow From Financing	49.4%	143,882	96,322	14,621	57,093	69,314	52,639	17,922	55,426	123,017	105,664	73,803	26,291	130,048	-
Dividend Payments	-	-	-	-	-	-	-	-	-	-	-	542	754	781	-
Buy Backs	-91.9%	79.00	970	-500*	747	5,867	-	-	-	-	-	-	7,500	-	-

Get Full Access to Grufity – and Unlimited Downloads

Gain full access to fair value, watchlists, stock screener, unlimited page visits, and additional features by joining as a member today for just $1.99.

Try For Just $1.99

USCB Income Statement

2024-03-31

Consolidated Statements of Operations - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest income:
Loans, including fees	$ 26,643	$ 19,711
Investment securities	2,811	2,286
Interest-bearing deposits in financial institutions	1,433	382
Total interest income	30,887	22,379
Interest expense:
Interest-bearing checking	369	43
Money market and savings accounts	10,394	4,785
Time deposits	3,294	1,057
Federal Home Loan Bank advances and other borrowings	1,672	497
Total interest expense	15,729	6,382
Net interest income before provision for credit losses	15,158	15,997
Provision for credit losses	410	201
Net interest income after provision for credit losses	14,748	15,796
Non-interest income:
Service fees	1,651	1,205
(Loss) gain on sale of securities available for sale, net		(21)
Gain on sale of loans held for sale, net	67	347
Other non-interest income	746	539
Total non-interest income	2,464	2,070
Non-interest expense:
Salaries and employee benefits	6,310	6,377
Occupancy	1,314	1,299
Regulatory assessment and fees	433	224
Consulting and legal fees	592	358
Network and information technology services	507	478
Other operating expense	2,018	1,440
Total non-interest expense	11,174	10,176
Income before income tax expense	6,038	7,690
Income tax expense	1,426	1,881
Net income	$ 4,612	$ 5,809
Common Class A [Member]
Per share information:
Net income per share, basic	$ 0.23	$ 0.29
Net income per share, diluted	0.23	0.29
Cash dividend declared	$ 0.05	$ 0

USCB Balance Sheet

2024-03-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets:
Cash and due from banks	$ 9,601	$ 8,019
Interest-bearing deposits in banks	116,945	33,043
Total cash and cash equivalents	126,546	41,062
Investment securities held to maturity, net of allowance of $12 and $8, respectively (fair value $152,156 and $155,510, respectively)	173,038	174,974
Investment securities available for sale, at fair value	259,992	229,329
Federal Home Loan Bank stock, at cost	5,532	10,153
Loans held for investment, net of allowance of $21,454 and $21,084, respectively	1,799,742	1,759,743
Accrued interest receivable	11,579	10,688
Premises and equipment, net	4,787	4,836
Bank owned life insurance	52,192	51,781
Deferred tax assets, net	36,249	37,282
Lease right-of-use asset	10,680	11,423
Other assets	8,805	7,822
Total assets	2,489,142	2,339,093
Deposits:
Demand deposits	576,626	552,762
Money market and savings accounts	1,141,422	1,048,272
Interest-bearing checking	57,839	47,702
Time deposits	326,907	288,403
Total deposits	2,102,794	1,937,139
Federal Home Loan Bank advances and other borrowings	162,000	183,000
Lease liability	10,680	11,423
Accrued interest and other liabilities	18,657	15,563
Total liabilities	2,294,131	2,147,125
Commitments and contingencies (see Notes 5 and 10)
Stockholders' Equity:
Additional paid-in capital on common stock	305,740	305,212
Accumulated deficit	(84,952)	(88,548)
Accumulated other comprehensive loss	(45,427)	(44,271)
Total stockholders' equity	195,011	191,968
Total liabilities and stockholders' equity	2,489,142	2,339,093
Preferred Stock Class C [Member]
Stockholders' Equity:
Preferred stock
Preferred Stock Class D [Member]
Stockholders' Equity:
Preferred stock
Preferred Stock Class E [Member]
Stockholders' Equity:
Preferred stock
Common Class A [Member]
Stockholders' Equity:
Common stock	19,650	19,575
Common Class B [Member]
Stockholders' Equity:
Common stock

About U.S. Century Bank

USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that engages in the provision of various banking products and services to small-to-medium sized businesses. The company accepts checking and savings accounts, certificates of deposit, and money market deposit and time deposit accounts. Its loan products include small business administration loans, yacht financing, residential real estate loans; commercial real estate loans; commercial and industrial loans; foreign bank loans; and secured and unsecured consumer loans comprising personal loans, overdrafts, and deposit account collateralized loans. The company also offers lockbox, treasury, commercial payments, cash management, and online banking services, as well as provides title insurance policies for real estate transactions. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida.

CEO	Mr. Luis F. de la Aguilera
WEBSITE	uscentury.com
INDUSTRY	Banks Diversified
EMPLOYEES	198

U.S. Century Bank Frequently Asked Questions

What is the ticker symbol for U.S. Century Bank? What does USCB stand for in stocks?

USCB is the stock ticker symbol of U.S. Century Bank. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of U.S. Century Bank (USCB)?

As of Fri May 17 2024, market cap of U.S. Century Bank is 244.26 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of USCB stock?

You can check USCB's fair value in chart for subscribers.

What is the fair value of USCB stock?

You can check USCB's fair value in chart for subscribers. The fair value of U.S. Century Bank is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of U.S. Century Bank is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for USCB so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is U.S. Century Bank a good stock to buy?

The fair value guage provides a quick view whether USCB is over valued or under valued. Whether U.S. Century Bank is cheap or expensive depends on the assumptions which impact U.S. Century Bank's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for USCB.

What is U.S. Century Bank's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, USCB's PE ratio (Price to Earnings) is 15.91 and Price to Sales (PS) ratio is 2.23. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. USCB PE ratio will change depending on the future growth rate expectations of investors.