USCB Financial Holdings, Inc. Class A (USCB)

Over the past six months, several events have impacted USCB Financial Holdings, Inc.'s stock price. On October 24, 2025, USCB reported its third-quarter 2025 earnings, with earnings per share of $0.45, surpassing the forecasted $0.42, and the stock price increased by 1.3%. On October 20, 2025, the company declared a quarterly cash dividend on its common stock. In Q3 2025, USCB completed a $40 million subordinated debt issuance and repurchased approximately 2 million shares, representing 10% of the company, at a weighted average price of $17.19 per share. In August 2025, the payoff of $10 million in consumer yacht loans negatively impacted the company's loan yield. On July 24, 2025, USCB Financial Holdings, Inc. reported a net income of $8.1 million or $0.40 per fully diluted share for the three months ended June 30, 2025. On January 23, 2025, the company reported fully diluted EPS of $0.34 for Q4 2024 and doubled its quarterly dividend to $0.10 per share. On November 12, 2024, USCB Financial Holdings Inc. submitted its 10-Q filing for the quarter ended September 30, 2024, reporting an increase in net income and total assets and declared a quarterly cash dividend of $0.05 per share for the fourth quarter of 2024.

The provided information does not explicitly detail any specific demand seasonality for USCB Financial Holdings, Inc.'s products and services. As a community bank offering a broad range of personal and business banking solutions, demand for its core services like deposits and loans may generally align with broader economic cycles rather than distinct seasonal patterns. The company's focus on diversified deposit-focused business verticals, including association banking, private client group, and correspondent banking, suggests a strategy to maintain consistent engagement across various client segments.

USCB Financial Holdings, Inc. operates in the financial services sector, specifically within the banking industry, through its wholly-owned subsidiary, U.S. Century Bank. It functions as a community bank primarily serving small-to-medium sized businesses, local business owners, entrepreneurs, and professionals in South Florida, as well as international clients with U.S. banking needs. The company offers a wide range of personal and business banking offerings such as lending services, credit practices, and deposit products. Specialty banking offerings include Small Business Administration lending, yacht lending, homeowners association services, Jurist Advantage and Private Client Group services, correspondent banking services for banks in Latin America and the Caribbean, and Medical Advantage for healthcare professionals. The company also provides commercial and consumer checking accounts, money market deposit accounts, savings accounts, certificates of deposit, treasury, commercial payment, cash management services, and title insurance policies for real estate transactions.

USCB Financial Holdings, Inc. is headquartered in Doral, Florida, with operations concentrated in the Miami-Dade metropolitan area, where it maintains a network of 10 banking centers, including Fort Lauderdale, Pembroke Pines, Miami, Coral Gables, and Key Largo. USCB also serves international clients with U.S. banking needs.

USCB Financial Holdings, Inc. appears to maintain a positive brand reputation, primarily driven by its strong financial performance, consistently reporting record earnings and growth in assets and deposits. USCB is rated 5-Stars by BauerFinancial, an independent bank rating firm. There have been no specific events reported in the past year that have negatively affected USCB Financial Holdings, Inc.'s brand reputation.

Major institutional owners of USCB Financial Holdings, Inc. include Priam Capital Associates LLC with 20.03% ownership, Patriot Financial Manager LP with 10.26% ownership, Endeavour Capital Advisors Inc. with 6.180% ownership as of August 13, 2025, Alliancebernstein L.P. with 4.847% ownership as of August 14, 2025, Basswood Capital Management L.L.C. with 2.349% ownership as of August 14, 2025 and Mendon Capital Advisors Corp with 3.441% ownership as of August 14, 2025. Other institutional holders include Blackrock, Inc., Vanguard Group Inc., Curi Capital, Llc, Pacific Ridge Capital Partners, Llc, and Kennedy Capital Management Llc. Institutional ownership accounts for 50.23% of the company, while individuals hold 3.36%.