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

Market Summary

USD11.83-0.12

Market Closed

-1.00%

USCB Alerts

2 major insider buys recently.

USCB Stock Price

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USCB RSI Chart

USCB Valuation

Market Cap

232.5M

Price/Earnings (Trailing)

14.05

Price/Sales (Trailing)

2.3

EV/EBITDA

2.38

Price/Free Cashflow

10.39

USCB Price/Sales (Trailing)

USCB Profitability

EBT Margin

21.58%

Return on Equity

8.62%

Return on Assets

0.71%

Free Cashflow Yield

9.63%

USCB Fundamentals

USCB Revenue

Revenue (TTM)

101.0M

Rev. Growth (Yr)

35.83%

Rev. Growth (Qtr)

6.04%

USCB Earnings

Earnings (TTM)

16.5M

Earnings Growth (Yr)

-38.63%

Earnings Growth (Qtr)

-28.75%

Breaking Down USCB Revenue

Last 7 days

10.3%

Last 30 days

6.4%

Last 90 days

-1.4%

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

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Net sales

Year	Q1	Q2	Q3	Q4
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 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
Mar 13, 2024	anderson robert b.	bought	38,506	11.3255	3,400	executive vp and cfo
Mar 12, 2024	anderson robert b.	bought	40,644	11.29	3,600	executive vp and cfo

Which funds bought or sold USCB recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 02, 2024	NISA INVESTMENT ADVISORS, LLC	unchanged	-	-35.00	467	-%
May 01, 2024	CONCOURSE FINANCIAL GROUP SECURITIES, INC.	sold off	-	-	-	-%
Apr 30, 2024	Avior Wealth Management, LLC	new	-	11.00	11.00	-%
Apr 26, 2024	SALZHAUER MICHAEL	new	-	200,321	200,321	0.15%
Apr 25, 2024	Bank of New York Mellon Corp	reduced	-16.93	-98,050	334,020	-%
Apr 23, 2024	AMALGAMATED BANK	reduced	-62.75	-8,000	4,000	-%
Apr 22, 2024	MetLife Investment Management, LLC	new	-	77,469	77,469	-%
Apr 22, 2024	RAYMOND JAMES & ASSOCIATES	sold off	-100	-510,703	-	-%
Mar 11, 2024	VANGUARD GROUP INC	added	2.22	744,947	4,637,340	-%
Mar 01, 2024	GOLDMAN SACHS GROUP INC	new	-	407,900	407,900	-%

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 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
Apr 23, 2024	DEF 14A	DEF 14A
Mar 22, 2024	10-K	Annual Report
Mar 14, 2024	4	Insider Trading

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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4
Revenue	6.0%	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	-12.6%	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	2.5%	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	-37.0%	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	-30.8%	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	-16.3%	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	-28.8%	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	-16.0%	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	-172.7%	-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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2020Q4
Assets	4.2%	2,339	2,245	2,226	2,164	2,086	2,037	2,016	1,967	1,854	1,502
Cash Equivalents	22.8%	41.00	33.00	87.00	63.00	54.00	73.00	83.00	94.00	46.00	48.00
Net PPE	-2.3%	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	5.00	6.00
Liabilities	4.1%	2,147	2,062	2,042	1,980	1,903	1,860	1,836	1,775	1,650	1,331
Shareholder's Equity	5.0%	192	183	184	184	182	177	180	192	204	171
Retained Earnings	3.0%	-88.55	-91.27	-95.09	-99.62	-104	-108	-114	-119	-124	-53.62
Additional Paid-In Capital	-0.2%	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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4
Cashflow From Operations	-171.7%	-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	5.6%	303	287	295	127	126	132	137	128	156	34.00	44.00	53.00	-
Cashflow From Investing	-7.7%	-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	558.8%	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	194100.0%	970	-500*	747	5,867	-	-	-	-	-	-	7,500	-	-

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USCB Income Statement

2023-12-31

Consolidated Statements of Operations - USD ($)	12 Months Ended
Consolidated Statements of Operations - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Interest income:
Loans, including fees	$ 87,884,000	$ 60,825,000
Investment securities	10,012,000	9,346,000
Interest-bearing deposits in financial institutions	3,121,000	929,000
Total interest income	101,017,000	71,100,000
Interest expense:
Interest-bearing deposits	901,000	86,000
Savings and money markets accounts	29,658,000	5,173,000
Time deposits	8,500,000	1,509,000
Federal Home Loan Bank advances	3,390,000	671,000
Total interest expense	42,449,000	7,439,000
Net interest income before provision for credit losses	58,568,000	63,661,000
Provision for credit losses	2,367,000	2,495,000
Net interest income after provision for credit losses	56,201,000	61,166,000
Non-interest income:
Service fees	5,055,000	4,010,000
Bank Owned life insurance income	2,160,000	1,061,000
Gain (loss) on sale of securities available for sale, net	(1,859,000)	(2,529,000)
Gain on sale of loans held for sale, net	801,000	891,000
Loan settlement		161,000
Other non-interest income	1,246,000	1,634,000
Total non-interest income	7,403,000	5,228,000
Non-interest expense:
Salaries and employee benefits	24,429,000	23,943,000
Occupancy	5,230,000	5,058,000
Regulatory assessment and fees	1,453,000	930,000
Consulting and legal fees	1,899,000	1,890,000
Network and information technology services	2,016,000	1,806,000
Audit and tax services fees	1,287,000	918,000
Other operating	5,494,000	4,764,000
Total non-interest expense	41,808,000	39,309,000
Net income before income tax expense	21,796,000	27,085,000
Income tax expense	5,251,000	6,944,000
Net income	16,545,000	20,141,000
Net income available to common stockholders	16,545,000	20,141,000
Common Class A [Member]
Non-interest expense:
Net income available to common stockholders	$ 16,545,000	$ 20,141,000
Per share information:
Net income per share, basic	$ 0.84	$ 1.01
Net income per share, diluted	$ 0.84	$ 1.00

USCB Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Assets:
Cash and due from banks	$ 8,019	$ 6,605
Interest-bearing deposits in banks	33,043	47,563
Total cash and cash equivalents	41,062	54,168
Investment securities held to maturity net allowance of $8 and $0,respectively (fair value $155,510 and $169,088, respectively)	174,974	188,699
Investment securities available for sale, at fair value	229,329	230,140
Federal Home Loan Bank stock, at cost	10,153	2,882
Loans held for investment, net of allowance of $21,084 and $17,487, respectively	1,759,743	1,489,851
Accrued interest receivable	10,688	7,546
Premises and equipment, net	4,836	5,263
Bank owned life insurance	51,781	42,781
Deferred tax asset, net	37,282	42,360
Lease right-of-use asset	11,423	14,395
Other assets	7,822	7,749
Total assets	2,339,093	2,085,834
Deposits:
Demand	552,762	629,776
Money market and savings accounts	1,048,272	915,853
Interest-bearing checking accounts	47,702	66,675
Time deposits	288,403	216,977
Total deposits	1,937,139	1,829,281
Federal Home Loan Bank advances	183,000	46,000
Lease liability	11,423	14,395
Accrued interest and other liabilities	15,563	13,730
Total liabilities	2,147,125	1,903,406
Commitments and contingencies (See Notes 10 and 18)
Stockholders' Equity:
Additional paid-in capital on common stock	305,212	311,282
Accumulated deficit	(88,548)	(104,104)
Accumulated other comprehensive income (loss)	(44,271)	(44,751)
Total stockholders' equity	191,968	182,428
Total liabilities and stockholders' equity	2,339,093	2,085,834
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:
Preferred stock	19,575	20,001
Common Class B [Member]
Stockholders' Equity:
Preferred 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 03 2024, market cap of U.S. Century Bank is 232.46 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 03 2024, USCB's PE ratio (Price to Earnings) is 14.05 and Price to Sales (PS) ratio is 2.3. 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.