USCB
USCB Financial Holdings, Inc.
NasdaqGMUSDEQUITY
Financial Services
DELAYED
Buy
+20/100
Last price
21.98
▼ 0.32 (1.43%)
MARKET · —
Price
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Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
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Tool
1D
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Range —
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Open
—
Prev close
22.30
Day high
22.34
Day low
21.97
Volume
40.10K
Market cap
$406.07M
P/E (TTM)
14.09
52W range
16.36 – 23.89
Trailing performance
Returnvs SPY
1W
+0.69%
-1.2%
1M
-4.97%
-6.4%
3M
+9.68%
+6.3%
6M
+10.67%
-4.3%
YTD
+19.33%
+5.4%
1Y
+27.13%
+11.4%
3Y
+109.13%
+27.2%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
10 more panels on USCB open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-42.55K
Net selling
Buy transactions
9
206.57K shares
Sell transactions
11
249.12K shares
Net transactions
+20
Buys less sells
Sell : buy shares
1.2 : 1
Mixed
Insider-held shares
6.02M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jul 6, 26 | GARRIDO SERGIO E Officer |
STOCK | 15.00K | $0 | Direct |
| Jun 8, 26 | COLLAZO ANDRES Officer |
SELL | 1.00K | $19.00K | Direct |
| May 21, 26 | DE LA AGUILERA LUIS Chief Executive Officer |
CONVERSION | 49.41K | $595.44K | Direct |
| May 21, 26 | DE LA AGUILERA LUIS Chief Executive Officer |
SELL | 49.41K | $904.28K | Direct |
| May 20, 26 | DE LA AGUILERA LUIS Chief Executive Officer |
CONVERSION | 41.76K | $503.17K | Direct |
| May 20, 26 | DE LA AGUILERA LUIS Chief Executive Officer |
SELL | 41.76K | $757.20K | Direct |
| May 18, 26 | DE LA AGUILERA LUIS Chief Executive Officer |
CONVERSION | 3.29K | $39.64K | Direct |
| May 18, 26 | DE LA AGUILERA LUIS Chief Executive Officer |
SELL | 3.29K | $59.41K | Direct |
| May 14, 26 | ABADIN RAMON Director |
CONVERSION | 9.00K | $82.90K | Direct |
| May 14, 26 | DE LA AGUILERA LUIS Chief Executive Officer |
CONVERSION | 42.83K | $516.10K | Direct |
| May 14, 26 | ABADIN RAMON Director |
SELL | 9.00K | $163.89K | Direct |
| May 14, 26 | DE LA AGUILERA LUIS Chief Executive Officer |
SELL | 42.83K | $776.71K | Direct |
| May 13, 26 | ABADIN RAMON Director |
SELL | 6.55K | $118.13K | Direct |
| May 11, 26 | DE LA AGUILERA LUIS Chief Executive Officer |
CONVERSION | 5.28K | $63.61K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
ANDERSON ROBERT B |
Chief Financial Officer | 123.70K | Stock Award(Grant) |
BUSTLE NICHOLAS |
Officer | 63.49K | Stock Award(Grant) |
COLLAZO ANDRES |
Officer | 31.52K | Sale |
DE LA AGUILERA LUIS |
Chief Executive Officer | 242.94K | Conversion of Exercise of derivative security |
FEINGLASS HOWARD P |
Director and Beneficial Owner of more than 10% of a Class of Security | 3.98M | Conversion of Exercise of derivative security |
GARRIDO SERGIO E |
Officer | 25.20K | Stock Award(Grant) |
GOMEZ OSCAR |
Officer | 33.61K | Stock Award(Grant) |
GUERRA-KATTOU MARTHA |
Officer | 41.04K | Stock Award(Grant) |
LEVITAN AIDA |
Director | 24.97K | Stock Gift |
WYCOFF W KIRK |
Beneficial Owner of more than 10% of a Class of Security | — | Sale |
Fundamentals
Market cap$406.07M
Enterprise value$580.72M
Revenue (TTM)$94.48M
Gross profit$94.48M
EBITDA—
Net income$28.73M
EPS (TTM)$1.56
Free cash flow—
Total cash$124.86M
Total debt$299.52M
Book value / share$12.64
Shares outstanding18.47M
Float15.24M
Short % of float2.14%
Dividend yield2.16%
Beta (5Y)0.44
Valuation & profitability ratios
Trailing P/E14.09
Forward P/E9.43
PEG ratio—
Price / sales—
Price / book1.74
EV / revenue6.15
EV / EBITDA—
Gross margin0.00%
Operating margin49.14%
Profit margin30.41%
Return on equity12.36%
Return on assets1.00%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $90.22M | $82.68M | $65.97M | $68.73M | +9.1% |
| Operating revenue | $90.22M | $82.68M | $65.97M | $68.73M | +9.1% |
| Selling, general & admin | $32.17M | $28.79M | $24.43M | $23.94M | +11.7% |
| Pre-tax income | $35.92M | $32.48M | $21.80M | $27.09M | +10.6% |
| Tax provision | $9.82M | $7.80M | $5.25M | $6.94M | +25.8% |
| Net income | $26.10M | $24.67M | $16.55M | $20.14M | +5.8% |
| Net income to common | $26.10M | $24.67M | $16.55M | $20.14M | +5.8% |
| Basic EPS | 1.34 | 1.25 | 0.84 | 1.01 | +7.2% |
| Diluted EPS | 1.34 | 1.24 | 0.84 | 1.00 | +8.1% |
| Basic shares | 19.43M | 19.68M | 19.62M | 20.00M | -1.3% |
| Diluted shares | 19.65M | 19.83M | 19.69M | 20.18M | -0.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $38.48M | $77.03M | $41.06M | $54.17M | -50.1% |
| Accounts receivable | $11.66M | $10.95M | $10.69M | $7.55M | +6.5% |
| Property, plant & equipment | $9.77M | $13.01M | $16.26M | $19.66M | -25.0% |
| Total assets | $2.79B | $2.58B | $2.34B | $2.09B | +8.1% |
| Current debt | — | $16.00M | $5.00M | — | — |
| Long-term debt | $197.55M | $163.00M | $178.00M | $46.00M | +21.2% |
| Total debt | $203.07M | $171.45M | $194.42M | $60.40M | +18.4% |
| Total liabilities | $2.57B | $2.37B | $2.15B | $1.90B | +8.8% |
| Retained earnings | -$49.54M | -$67.81M | -$88.55M | -$104.10M | +26.9% |
| Shareholder equity | $217.18M | $215.39M | $191.97M | $182.43M | +0.8% |
| Net tangible assets | $217.18M | $215.39M | $191.97M | $182.43M | +0.8% |
| Shares issued | 18.14M | 19.92M | 19.58M | 20.00M | -9.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Net income | $26.10M | $24.67M | $16.55M | $20.14M | — | +5.8% |
| Depreciation & amortisation | $619.00K | $587.00K | $590.00K | $688.00K | — | +5.5% |
| Stock-based compensation | $3.00M | $2.13M | $1.01M | $523.00K | — | +41.1% |
| Change in working capital | -$1.03M | -$1.87M | -$1.16M | -$768.00K | — | +45.1% |
| Operating cash flow | $42.80M | $34.84M | $22.55M | $29.54M | — | +22.9% |
| Capital expenditure | -$303.00K | -$314.00K | -$163.00K | -$673.00K | — | +3.5% |
| Investing cash flow | -$245.41M | -$212.61M | -$273.00M | -$270.60M | — | -15.4% |
| Share buybacks | -$34.55M | -$501.00K | -$7.58M | $0 | — | -6,797.0% |
| Dividends paid | -$7.83M | -$3.94M | $0 | — | -$2.08M | -98.8% |
| Financing cash flow | $164.05M | $213.74M | $237.35M | $249.00M | — | -23.3% |
| Free cash flow | $42.50M | $34.52M | $22.38M | $28.86M | — | +23.1% |
| End cash position | $38.48M | $77.03M | $41.06M | $54.17M | — | -50.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $27.95M | $26.20M | $18.03M | $24.96M | $24.40M | — | +6.7% |
| Operating revenue | $27.95M | $26.20M | $18.03M | $24.96M | $24.40M | — | +6.7% |
| Selling, general & admin | $8.54M | $8.57M | $8.67M | $7.91M | $7.95M | — | -0.4% |
| Pre-tax income | $12.71M | $11.69M | $3.27M | $11.80M | $10.74M | — | +8.8% |
| Tax provision | $3.64M | $2.33M | $1.91M | $2.87M | $2.60M | — | +55.7% |
| Net income | $9.08M | $9.35M | $1.36M | $8.94M | $8.14M | — | -2.9% |
| Net income to common | $9.08M | $9.35M | $1.36M | $8.94M | $8.14M | — | -2.9% |
| Basic EPS | 0.49 | 0.51 | — | 0.46 | 0.41 | 0.38 | -3.9% |
| Diluted EPS | 0.49 | 0.51 | — | 0.45 | 0.40 | 0.38 | -3.9% |
| Basic shares | 18.35M | 18.21M | — | 19.52M | 20.06M | 20.02M | +0.7% |
| Diluted shares | 18.51M | 18.45M | — | 19.76M | 20.30M | 20.32M | +0.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $118.15M | $78.96M | $38.48M | $56.81M | $54.82M | +49.6% |
| Accounts receivable | $11.67M | $11.77M | $11.66M | $12.13M | $11.29M | -0.9% |
| Property, plant & equipment | $17.29M | $9.16M | $9.77M | $10.60M | $11.40M | +88.8% |
| Total assets | $3.02B | $2.85B | $2.79B | $2.77B | $2.72B | +6.1% |
| Current debt | — | — | — | — | $6.00M | — |
| Long-term debt | $280.28M | $92.34M | $197.55M | $50.26M | $102.00M | +203.5% |
| Total debt | $292.90M | $97.09M | $203.07M | $56.54M | $115.05M | +201.7% |
| Total liabilities | $2.79B | $2.62B | $2.57B | $2.56B | $2.49B | +6.3% |
| Retained earnings | -$35.69M | -$42.47M | -$49.54M | -$49.09M | -$56.02M | +16.0% |
| Shareholder equity | $233.24M | $223.25M | $217.18M | $209.09M | $231.58M | +4.5% |
| Net tangible assets | $233.24M | $223.25M | $217.18M | $209.09M | $231.58M | +4.5% |
| Shares issued | 18.46M | 18.26M | 18.14M | 18.11M | 20.08M | +1.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $9.08M | $9.35M | $1.36M | $8.94M | $8.14M | -2.9% |
| Depreciation & amortisation | $179.00K | $166.00K | $163.00K | $158.00K | $150.00K | +7.8% |
| Stock-based compensation | $874.00K | $889.00K | $749.00K | $774.00K | $774.00K | -1.7% |
| Change in working capital | $12.34M | $5.23M | -$18.51M | $7.74M | $6.19M | +136.0% |
| Operating cash flow | $24.65M | $15.28M | -$10.01M | $20.15M | $18.04M | +61.4% |
| Capital expenditure | -$442.00K | -$320.00K | -$95.00K | -$114.00K | -$48.00K | -38.1% |
| Investing cash flow | -$132.13M | -$14.95M | -$43.51M | -$44.22M | -$85.52M | -784.0% |
| Share buybacks | $0 | -$1.00M | $0 | -$34.38M | $0 | +100.0% |
| Dividends paid | -$2.29M | -$2.28M | -$1.81M | -$2.01M | -$2.00M | -0.6% |
| Financing cash flow | $146.68M | $40.16M | $35.19M | $26.07M | $24.31M | +265.2% |
| Free cash flow | $24.21M | $14.96M | -$10.11M | $20.03M | $17.99M | +61.9% |
| End cash position | $118.15M | $78.96M | $38.48M | $56.81M | $54.82M | +49.6% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.49 | 0.49 | +0.8% |
| Mar 2026 | 0.47 | 0.51 | +6.8% |
| Dec 2025 | 0.50 | 0.24 | -51.5% |
| Sep 2025 | 0.42 | 0.45 | +8.0% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.56 | 5 | $29.19M | +16.9% |
| Next quarter | 0.56 | 5 | $29.65M | +64.5% |
| Current year | 2.09 | 5 | $112.97M | +25.2% |
| Next year | 2.33 | 5 | $123.94M | +9.7% |
Analyst targets & ownership
Mean target$24.35
High target$27.00
Low target$22.50
Implied upside10.78%
Analyst count5
ConsensusNONE
Strong buy / Buy2 / 1
Hold2
Sell / Strong sell0 / 0
Held by insiders32.58%
Held by institutions61.63%
Institutions holding136
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
22.34
-1.62% from price
SMA 20
22.68
-3.07% from price
SMA 50
22.55
-2.53% from price
SMA 100
21.09
+4.21% from price
SMA 200
20.06
+9.57% from price
EMA 12
22.40
-1.86% from price
EMA 26
22.50
-2.31% from price
EMA 50
22.23
-1.11% from price
RSI (14)
41.2
Neutral
MACD (12,26,9)
-0.10
Hist -0.10
ATR (14)
0.53
2.42% of price
Realised vol 30D
18.3%
Annualised
Bollinger upper
23.51
20, 2σ
Bollinger lower
21.84
20, 2σ
50 / 200 cross
Golden
22.55 vs 20.06
Trend bias
Above 200
+9.57%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.47
Less volatile than market
Correlation to SPY
0.23
Largely independent
Realised vol 30D
18.3%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-14.2%
Peak to trough
Max drawdown 5Y
-44.2%
Peak to trough
ATR 14
0.53
2.42% of price
Beta (reported)
0.44
5Y monthly, from filing
Short interest
Shares short
253.65K
Prior 272.92K
Change vs prior
-7.1%
Shorts covering
% of float
2.14%
Normal
% of shares out
1.37%
Against total outstanding
Days to cover
3.5
Liquid
Float
15.24M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Sep 8, 25 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Sep 8, 25 | Raymond James | UPGRADE | Outperform | Strong Buy |
| Jul 28, 25 | Raymond James | UPGRADE | Market Perform | Outperform |
| Apr 28, 25 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Apr 2, 25 | Raymond James | DOWNGRADE | Outperform | Market Perform |
| Nov 4, 24 | Piper Sandler | UPGRADE | Neutral | Overweight |
| Jul 29, 24 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jan 30, 24 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jan 29, 24 | Raymond James | MAINTAINED | Outperform | Outperform |
| Jul 31, 23 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Jul 11, 23 | Janney Montgomery Scott | INITIATED | — | Neutral |
| May 2, 23 | Keefe, Bruyette & Woods | MAINTAINED | — | Outperform |
Dividends & splits
Forward rate$0.48 / yr
Forward yield2.16%
5-year avg yield—
Payout ratio28.85%
Ex-dividend dateAug 17, 2026
Next pay dateSep 4, 2026
Last split—
Split date—
SEC filings
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-07-28
Corporate Changes & Voting Matters
8-K · 2026-07-23
Corporate Changes & Voting Matters
8-K · 2026-07-20
Corporate Changes & Voting Matters
8-K · 2026-06-01
Corporate Changes & Voting Matters
8-K · 2026-05-27
Periodic Financial Reports
10-Q · 2026-05-08
Corporate Changes & Voting Matters
8-K · 2026-05-01
Headlines
USCB Financial Holdings, Inc. to Announce Third Quarter 2026 Results
GlobeNewswire · 2d ago
USCB Financial Holdings Inc (USCB) Q2 2026 Earnings Call Highlights: Surpassing $3 Billion in ...
GuruFocus.com · 76d ago
USCB Financial Q2 Earnings Call Highlights
MarketBeat · 76d ago
USCB Financial Holdings, Inc. Q2 2026 Earnings Call Summary
Moby · 76d ago
USCB Financial (USCB) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
Zacks · 77d ago
USCB Financial Holdings, Inc. (USCB) Q2 Earnings Match Estimates
Zacks · 77d ago
USCB Financial Holdings, Inc. Surpasses $3 Billion in Assets with 14.6% Annualized Linked-Quarter Loan Growth; Achieves Q2 2026 EPS of $0.49, 3.49% Net Interest Margin, ROAA of 1.26%, and ROAE of 15.90%
GlobeNewswire · 77d ago
USCB Financial Holdings Inc (USCB) Q2 2026: Everything You Need To Know Ahead Of Earnings
GuruFocus.com · 77d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.