olivLaw · US equity research
USCB Financial Holdings, Inc. USCB
State Commercial Banks · SIC 6022 · Vertical: State Commercial Banks (SIC 6022)
USCB Financial Holdings is the holding company for U.S. Century Bank, which operates mainly in South Florida and serves small and medium-sized businesses, professionals and niche clients such as SBA borrowers and homeowner associations. Activity has grown quickly: in the third quarter of 2026 the bank reported its highest quarterly net income since its 2021 listing, and total assets passed 3.0 billion dollars by June 2026.
At the close of 30 Oct 2026, USCB Financial Holdings, Inc. (USCB) stock was 19.88 USD (+0.15% on the day), with market capitalisation 367.3 m USD, P/E 14.9 on diluted EPS of 1.33 USD over the last 12 months, dividend yield 2.29%, beta 0.79, 52-week range 17.16–23.48 USD. Latest reported quarter (Q2 2026): net income of 9.1 m USD (+11.5% YoY), diluted EPS 0.49 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 30.7
- weak (30–45)
- Bollinger (20, 2)
- 19.36 – 23.75
- in the lower half of the band · %B 0.12 · band width 20.4%
- SMA 50 / 200
- 22.24 / 20.27
- mixed trend
- MACD (12, 26, 9)
- -0.67 / -0.42
- MACD below signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | −8.9% | −0.9% | −8.0 pp | — |
| 3 months | −9.5% | +1.2% | −10.7 pp | — |
| 6 months | +8.3% | +4.8% | +3.5 pp | — |
| Year to date | +7.9% | +10.7% | −2.8 pp | — |
| 1 year | +15.6% | +11.1% | +4.5 pp | +29.4% |
| 3 years | +85.1% | +80.7% | +4.4 pp | +78.8% |
| 5 years | +59.3% | +64.6% | −5.3 pp | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q2 2026 · 30 Jun 2026
Quarterly statements · USD
| Fiscal year | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 |
|---|---|---|---|---|---|---|---|---|
| Pre-tax income | 9.2 m | 9.1 m | 10.1 m | 10.7 m | 11.8 m | 3.3 m | 11.7 m | 12.7 m |
| Income tax | 2.2 m | 2.2 m | 2.4 m | 2.6 m | 2.9 m | 1.9 m | 2.3 m | 3.6 m |
| Net income | 6.9 m | 6.9 m | 7.7 m | 8.1 m | 8.9 m | 1.4 m | 9.4 m | 9.1 m |
| Diluted EPS | 0.35 | — | 0.38 | 0.40 | 0.45 | — | 0.51 | 0.49 |
| Operating cash flow | 11.3 m ≈ | -2.9 m | 14.6 m | 18.0 m ≈ | 20.1 m ≈ | -10.0 m | 15.3 m | 24.7 m ≈ |
| Capex | 78.0 k ≈ | 58.0 k | 46.0 k | 48.0 k ≈ | 114.0 k ≈ | 95.0 k | 320.0 k | 442.0 k ≈ |
| Dividends paid | 1.0 m ≈ | 890.0 k | 2.0 m | 2.0 m ≈ | 2.0 m ≈ | 1.8 m | 2.3 m | 2.3 m ≈ |
| Share repurchases | 121.0 k ≈ | 0 | 174.0 k | 0 ≈ | 34.4 m ≈ | 0 | 1.0 m | 0 ≈ |
≈ derived quarter (cumulative difference / share-days average)
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Today's P/E sits at the 100 percentile of its own 2-quarter history (min 13.8, median 14.1, max 14.3; quarters with earnings only).
Fiscal years
| Fiscal year | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Revenue | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
| Revenue YoY | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
| Net income | 10.8 m | 21.1 m | 20.1 m | 16.5 m | 24.7 m | 26.1 m |
| Net income YoY | unavailable | +94.8% | −4.4% | −17.9% | +49.1% | +5.8% |
| Diluted EPS | unavailable | unavailable | unavailable | unavailable | 1.24 | 1.33 |
| Diluted EPS YoY | unavailable | unavailable | unavailable | unavailable | unavailable | +7.3% |
| net % | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
| Free cash flow | 12.8 m | 21.4 m | 28.9 m | 22.4 m | 34.5 m | 42.5 m |
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2025 · 31 Dec 2025
- Cash
- 38.5 m USD
- Financial debt
- unavailable USD
- Net debt
- unavailable USD
- Equity
- 217.2 m USD
- Total assets
- 2.8 bn USD
- Debt / equity
- unavailable
- Current ratio
- unavailable
- ROE
- 12.1%
- ROA
- 1.0%
- FCF margin
- unavailable
Financial statements (source on every figure)
Revenue and net income (USD)
Income statement · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Net interest income | 43.6 m | 52.5 m | 63.7 m | 58.6 m | 69.9 m | 83.6 m | SEC (XBRL)· 13 Mar 2026verified |
| Net fee income | 6.1 m | 10.7 m | 5.2 m | 7.4 m | 12.7 m | 6.6 m | SEC (XBRL)· 13 Mar 2026verified |
| Non-interest expense | 33.0 m | 35.7 m | 39.3 m | 41.8 m | 47.0 m | 52.0 m | SEC (XBRL)· 13 Mar 2026verified |
| Pre-tax income | 13.4 m | 27.7 m | 27.1 m | 21.8 m | 32.5 m | 35.9 m | SEC (XBRL)· 13 Mar 2026verified |
| Net income | 10.8 m | 21.1 m | 20.1 m | 16.5 m | 24.7 m | 26.1 m | SEC (XBRL)· 13 Mar 2026verified |
| Diluted EPS | — | — | — | — | 1.24 | 1.33 | SEC (XBRL)· 13 Mar 2026verified |
Balance sheet · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Cash | 47.7 m | 46.2 m | 54.2 m | 41.1 m | 77.0 m | 38.5 m | SEC (XBRL)· 13 Mar 2026verified |
| Loans | 1.0 bn | 1.2 bn | 1.5 bn | 1.8 bn | 1.9 bn | 2.2 bn | SEC (XBRL)· 13 Mar 2026verified |
| Total assets | 1.5 bn | 1.9 bn | 2.1 bn | 2.3 bn | 2.6 bn | 2.8 bn | SEC (XBRL)· 13 Mar 2026verified |
| Deposits | 1.3 bn | 1.6 bn | 1.8 bn | 1.9 bn | 2.2 bn | 2.3 bn | SEC (XBRL)· 13 Mar 2026verified |
| Total liabilities | 1.3 bn | 1.7 bn | 1.9 bn | 2.1 bn | 2.4 bn | 2.6 bn | SEC (XBRL)· 13 Mar 2026verified |
| Equity | 171.0 m † | 203.9 m † | 182.4 m † | 192.0 m † | 215.4 m † | 217.2 m † | SEC (XBRL)· 13 Mar 2026verified |
† equity attributable to the parent's shareholders: in these years the issuer no longer reports the total including non-controlling interests.
Cash flow · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Dividends paid | 3.1 m | 2.1 m | — | — | 3.9 m | 7.8 m | SEC (XBRL)· 13 Mar 2026verified |
| Share repurchases | — | — | — | 7.6 m | 501.0 k | 34.6 m | SEC (XBRL)· 13 Mar 2026verified |
Computed indicators
Growth
Profitability
Returns
Market and valuation
Banking
32 indicators that do not apply to the sector.
Valuation
olivLaw classification
Score: 45 / 100
A scoring methodology on indicators and valuation, not investment advice.
Closing price
30 Oct 2026Source: olivLaw, closing series
Market cap: 367.3 m USD
Key indicators
Coverage and freshness
Score by group
- Returns45
- Quality57
- Valuation26
- Balance sheet16
Estimated value range
The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 13.22 – 21.47 USD.
Valuation assumptions are editorial choices, not measured; beta is not measured.
Method ranges (USD per share)
— — Mid · ▏ Price
Valuation methods
- Residual income13.22 – 13.85 (Mid 13.53)
- Justified P/B15.96 – 21.47 (Mid 18.31)
- Dividend discount (DDM)unavailable · input data missing
- Peers: P/E18.06 – 20.47 (Mid 19.44)31 companies used · median multiple 12.5x · quartiles 11.6x – 13.2xACNB, BANR, BHB, BNY, BUSE, CATY, CFFI, CFG, CZFS, EFSI, EWBC, FCNCA, FUSB, FVCB, FXNC, GBFH, HTH, IBCP, JMSB, MTB, NTRS, NWFL, OFG, PCB, PEBO, SBFG, STT, SYBT, UBSI, UCB, WTFC
- Peers: P/B14.48 – 17.15 (Mid 15.84)30 companies used · median multiple 1.3x · quartiles 1.1x – 1.4xACNB, AVBH, BANR, BHB, BRBS, BUSE, CATY, CBFV, CFFI, CFG, CZFS, EFSI, FITB, FUSB, FVCB, FXNC, GBFH, HTH, IBCP, JMSB, MTB, NWFL, OFG, PCB, PEBO, SBFG, STT, UBSI, UCB, WTFC
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Neutral profile · Score 45/100
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROE · Quality | 12.4% | 74 (vs peers) | 23% |
| ROA · Quality | 1.0% | 43 (on a fixed band) | 9% |
| Cost-to-income · Quality | 56.6% | 34 (on a fixed band) | 14% |
| Net interest margin · Quality | 3.1% | 65 (on a fixed band) | 9% |
| EPS CAGR 3Y · Growth | unavailable | unavailable | — |
| Revenue CAGR 3Y · Growth | unavailable | unavailable | — |
| NPL ratio · Balance sheet | unavailable | unavailable | — |
| Cost of risk · Balance sheet | unavailable | unavailable | — |
| Loan-to-deposit · Balance sheet | 93.6% | 16 (on a fixed band) | 6% |
| P/B · Valuation | 1.6x | 14 (vs peers) | 14% |
| P/E (TTM) · Valuation | 12.8x | 37 (vs peers) | 14% |
| Dividend yield · Returns | 2.3% | 45 (vs peers) | 11% |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet· partial16/100 · 1/3 factors with a value
- Growth· partialunavailable · 0/2 factors with a value
- Quality57/100 · 4/4 factors with a value
- Returns45/100 · 1/1 factors with a value
- Valuation26/100 · 2/2 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
USCB Financial Holdings, Inc. (USCB). Latest full fiscal year: 2025; data up to 2026-06-30.
Figures computed from the financial statements: net interest income 83.6 m USD in 2025; ROE 12.4%.
The estimated value range is 15.22–18.81 USD per share (median of 4 methods, agreement: high); assumptions are illustrative. Against the central value of 17.07 USD, the price of 19.88 USD leaves a potential of -14.1% (value / price − 1) and a margin of safety of -16.4% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
olivLaw score 45/100, methodological classification: neutral profile (score, margin of safety and method agreement together; not a judgement of the right price). Groups assessed only in part: balance, growth. Not investment advice.
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
- ROE: 12.4%
What contradicts it
- Loan-to-deposit: 93.6%
- P/B: 1.6x
- The price is above the estimated value range
Not assessed (insufficient data or a ratio without meaning): EPS CAGR 3Y, Revenue CAGR 3Y, NPL ratio, Cost of risk.
Versus the vertical median
State Commercial Banks (SIC 6022) · same industry (4-digit SIC) · compared with 39 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| BNYThe Bank Of New York Mellon Corporation | 99.0 bn | 16.2 | 15.0% | 32.6% | +7.8% | +36% / +246% |
| FITBFifth Third Bancorp | 48.9 bn | 18.1 | 8.4% | — | −2.0% | +29% / +127% |
| STTState Street Corporation | 46.2 bn | 13.6 | 13.1% | 23.8% | +7.3% | +47% / +163% |
| MTBM&T Bank Corp | 31.9 bn | 11.5 | 10.7% | 178.1% | +7.5% | +20% / +96% |
| NTRSNorthern Trust Corporation | 30.6 bn | 13.0 | 18.4% | 28.8% | −2.5% | +31% / +157% |
| CFGCitizens Financial Group Inc | 26.7 bn | 12.6 | 8.9% | 25.4% | +5.6% | +25% / +172% |
| EWBCEast West Bancorp, Inc. | 17.9 bn | 12.6 | 16.6% | — | +4.4% | +29% / +144% |
| WTFCWintrust Financial Corp | 10.3 bn | 12.1 | 12.2% | 338.9% | +5.9% | +17% / +104% |
| UBSIUnited Bankshares Inc | 6.6 bn | 13.1 | 9.5% | — | −5.7% | +35% / +70% |
| UCBUnited Community Banks, Inc. | 4.4 bn | 12.0 | 10.3% | 34.0% | +11.7% | +26% / +66% |
| CATYCathay General Bancorp | 4.3 bn | 12.6 | 11.7% | 590.4% | +2.9% | +42% / +90% |
| SYBTStock Yards Bancorp, Inc. | 2.4 bn | 15.6 | 13.3% | — | +3.4% | +21% / +101% |
| BUSEFirst Busey Corporation | 2.4 bn | 11.7 | 9.6% | 29.3% | +55.7% | +29% / +45% |
| BANRBanner Corporation | 2.4 bn | 11.4 | 10.8% | — | unavailable | +15% / +64% |
| OFGOFG Bancorp | 2.1 bn | 9.8 | 16.1% | — | unavailable | +29% / +69% |
| HTHHilltop Holdings Inc. | 2.1 bn | 15.5 | 6.6% | — | unavailable | +15% / +34% |
| PEBOPeoples Bancorp Inc. | 1.4 bn | 11.4 | 10.1% | 136.3% | +2.3% | +35% / +40% |
| IBCPIndependent Bank Corporation | 811.8 m | 10.6 | 14.4% | 219.8% | +0.3% | +21% / +83% |
| CUBBCustomers Bancorp, Inc. | 699.3 m | 2.5 | 14.3% | — | −14.0% | −1% / +11% |
| BHBBar Harbor Bankshares | 678.0 m | 13.7 | 9.7% | — | +3.4% | +38% / +62% |
| ACNBAcnb Corporation | 665.1 m | 12.4 | 13.3% | 27.1% | +45.1% | +45% / +90% |
| PCBPcb Bancorp | 410.8 m | 10.1 | 10.8% | 1,351.7% | +4.5% | +39% / +90% |
| CZFSCitizens Financial Services, Inc. | 410.5 m | 10.0 | 12.3% | 416.6% | +2.8% | +56% / +74% |
| NWFLNorwood Financial Corp | 387.1 m | 12.3 | 11.2% | 338.1% | +8.1% | +33% / +39% |
| AVBHAvidbank Holdings, Inc. | 374.8 m | — | -5.6% | — | unavailable | +31% / +64% |
1- and 3-year price returns: for USCB from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Scenarios are not available. input data missing
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
In brief
USCB Financial Holdings is the holding company for U.S. Century Bank, which operates mainly in South Florida and serves small and medium-sized businesses, professionals and niche clients such as SBA borrowers and homeowner associations. Activity has grown quickly: in the third quarter of 2026 the bank reported its highest quarterly net income since its 2021 listing 3, and total assets passed 3.0 billion dollars by June 2026 2.
SWOT
Strengths
- The customer base is concentrated in South Florida, a market with rapid population growth, and the bank has solid personal relationships with commercial clients.
- Capital is solid, with all regulatory ratios above well-capitalized thresholds at the end of 2025 and at 30 September 2026.
- Profitability improved in 2026 and the net interest margin widened, indicating a good ability to turn asset growth into earnings.
Weaknesses
- The geographic and real estate loan concentration makes the bank sensitive to any local economic decline or fall in collateral values.
- Its small size relative to competitors means fewer resources for technology investment and compliance.
- Non-interest income is modest and recently fell, so profit depends largely on the interest margin.
Opportunities
- Population and economic growth in South Florida could open new lending and deposit opportunities.
- Expanding SBA, niche financing and correspondent banking services could diversify revenue sources.
- Strategic acquisitions, mentioned by the company as an option, could accelerate growth if suitable opportunities arise.
Threats
- A local recession or a fall in Florida real estate markets could lead to credit losses and reduced loan origination.
- Strong competition from much larger institutions could pressure interest rates and fees.
- Regulatory changes and compliance risks, including those related to the Bank Secrecy Act and anti-money laundering rules, could bring extra costs and penalties.
Risks
- Geographic concentrationhigh
Most clients and collateral are in South Florida, so a local recession or a major natural event could affect the whole portfolio at once.
- Commercial loan qualityhigh
The rise in non-performing loans in 2026 shows that credit risk in the commercial portfolio could increase, especially for commercial real estate loans.
- Interest rate sensitivitymedium
The bank's earnings depend on the spread between interest received and interest paid; rapid rate changes could reduce the margin.
- Reliance on large depositorsmedium
Several large depositor relationships are important; losing them could force the bank to fund itself through more expensive and less stable sources.
- Compliance and operational risksmedium
Correspondent banking and high transaction volumes increase exposure to fraud, security incidents and regulatory sanctions.
Investment thesis
What would need to be true (bull case)
- Net income in the third quarter of 2026 reached the highest level since the listing, and nine-month profit could exceed the full-year profit of any prior year.
- The net interest margin has risen steadily and could keep supporting revenue if the lending market stays healthy.
- The bank holds solid niche positions in SBA lending, professional services and correspondent banking, which could protect its market share.
What would break the thesis
- High exposure to one region and to commercial real estate loans could turn a local slowdown into an asset quality problem.
- Rising non-performing loans, even from a low base, could be an early sign of pressure on the portfolio.
- Non-interest income is weak and has fallen, so a decline in the margin could quickly affect profitability.
What to watch
- Trend in non-performing loans and loan loss provisionsQ1 2027
- Net interest margin and cost of depositsQ1 2027
- Effects of losing emerging growth company status at the end of 20262027
- Results in the 2026 annual report on Form 10-K, including guidance and capital measuresnext 10-K
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
The business
USCB Financial Holdings, Inc. is a Florida bank holding company headquartered in Miami whose sole direct subsidiary is U.S. Century Bank, a Florida state-chartered bank; at 31 December 2025 the group had consolidated assets of 2.8 billion dollars and 10 banking centers in South Florida 1. The company was formed in December 2021 when the bank's shareholders became shareholders of the holding company, and its Class A shares trade on Nasdaq under USCB 1. The stated strategy is organic growth, supplemented by acquisitions if opportunities arise, with a focus on relationship-based banking in its local market 1.
Lending remains the core, with a focus on small and medium-sized businesses and commercial real estate in South Florida; loans held for investment reached 2.2 billion dollars at the end of 2025 1. Deposits are gathered largely through personal relationships of the owners and employees of commercial clients, and the bank also offers products for municipalities and other public entities 1. Diversified fee sources come from services to homeowner associations and law firms, correspondent banking for institutions in Latin America and the Caribbean, and the title insurance subsidiary Florida Peninsula Title LLC 1.
The company had 205 full-time equivalent employees at 31 December 2025, and as a bank holding company it is subject to an extensive regulatory framework aimed mainly at protecting depositors and the banking system rather than shareholders 1. As an emerging growth company it benefits from certain reporting exemptions, and it expects to cease to be one as of 31 December 2026 1.
Segments
Homeowner associations, law firms and professionals
The services for homeowner associations, law firms, physicians and other high-net-worth professionals combine deposit collection, payment services and lending, and relationships with corporate clients help extend personal deposit accounts 1.
Market context
Trends
- Asset quality under pressureheadwind
The ratio of non-performing loans to total loans rose from 0.06% to 0.33% between the third quarters of 2025 and 2026 3. If this continues, credit losses could increase and pressure profitability.
Competitive position
The bank competes with local, regional and national banks, credit unions, mortgage and consumer finance companies, brokers and fintech firms; some rivals are much larger and have greater financial resources 1. Competition is on interest rates, fees, branch networks, service quality and digital offerings 1.
The bank notes that some competitors are not subject to the same regulatory restrictions and that product pricing can be pressed downward, which could affect its margin 12. Its focus on niches such as SBA lending, homeowner associations and professional services is a way to differentiate itself 1.
- Local, regional and national banks in Florida
Compete directly on commercial lending and deposits in South Florida, with larger branch networks.
- Credit unions
Compete for retail deposits and some small-scale lending products.
- Mortgage and non-bank consumer finance companies
Compete on real estate loans and some commercial financing without the same level of regulation.
- Fintech and payment service providers
Compete on digital services, payments and products for small and medium-sized clients.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
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News & filings
In the press
No news in our archive over the last 180 days.
SEC filings
- Current report22 Oct 2026Results of operations · Regulation FD disclosure · Financial statements and exhibits
- Current report19 Oct 2026Regulation FD disclosure · Financial statements and exhibits
- Quarterly report07 Aug 2026
- Current report28 Jul 2026Regulation FD disclosure · Financial statements and exhibits
- Current report23 Jul 2026Results of operations · Regulation FD disclosure · Financial statements and exhibits
- Current report20 Jul 2026Regulation FD disclosure · Financial statements and exhibits
- Current report01 Jun 2026Other events · Financial statements and exhibits
- Current report27 May 2026Shareholder vote · Other events · Financial statements and exhibits
- Quarterly report08 May 2026
- Current report01 May 2026Termination of a material agreement · Financial statements and exhibits
Sources
- [1] Form 10-K, fiscal year ended 2025-12-31 · SEC / USCB Financial Holdings, Inc. · 13 Mar 2026
- [2] Form 10-Q, quarter ended 2026-06-30 · SEC / USCB Financial Holdings, Inc. · 07 Aug 2026
- [3] Form 8-K, results release (exhibit 99.1) · SEC / USCB Financial Holdings, Inc. · 22 Oct 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.