USCB Financial Holdings, Inc. (USCB) Stock Score, Valuation & Financial Research
USCB Financial Holdings, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 55/100.
Quick answer for USCB
USCB Financial Holdings, Inc. currently has a Wall Street Score of 55/100. The stored market price is $23.1. Its financial score is 30/100. Its valuation score is 93/100. These figures are a research snapshot, not a buy or sell recommendation.
What USCB Financial Holdings, Inc. does
USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various personal and business banking products and services in the United States. The company offers small business administration and yacht lending services; homeowners association services, including deposit collection, lockbox services, payment services, and lending products; jurist advantage and private client group services; correspondent banking services for banks in certain Latin America and the Caribbean countries. It also provides deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, and certificates of deposit; treasury, commercial payment, and cash management services; insured cash sweep and certificate of deposit account registry services; and clients title insurance policies for real estate transactions. The
USCB financial snapshot
- Wall Street Score:
- 55/100
- Current price:
- $23.1
- Market capitalization:
- $421.9M
- Revenue:
- $140.6M
- Net income:
- $27.8M
- Free cash flow:
- $42.5M
- Cash:
- $79.0M
- Total debt:
- $92.3M
- EPS:
- 1.34
- P/E ratio:
- 17.2x
- Financial score:
- 30/100
- Valuation score:
- 93/100
- Revenue score:
- 34/100
What stands out
- Reported year-over-year revenue growth is -0.1%.
- Free cash flow is $42.5M, showing positive cash generation.
- The balance sheet shows $79.0M of cash versus $92.3M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 93/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 30/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research USCB
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.