Stock Ratings / Financials / USCB / earnings

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USCB Financial Holdings Inc. (Class A) (USCB) Next Earnings Date & Expected ±5.9% Move

Q: When is USCB's next earnings date?

Based on SEC filing cadence, USCB Financial Holdings Inc. (Class A) (USCB)'s next quarterly reporting window is estimated around Dec 30, 2026.

Q: How much is USCB stock expected to move on earnings?

Volatility modeling currently projects a ±5.9% event move for USCB, spanning a range between $18.68 and $21.02.

$19.85 -0.35% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

USCB Financial Holdings Inc. (Class A) (USCB) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 12% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- • BUY Cap $366.7M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERBUY • B-

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+5.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for USCB)Realized 20D OHLCV Swing Band: ±5.9%

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±5.9% Swing Band

±$1.17 Expected Swing

MODEL EARNINGS SETUP GAUGE

USCB Quantitative Pre-Earnings Setup: 70/100

Trailing EPS: $1.41 • YoY Revenue Growth: 12.4%

Model Bullish Setup (70/100)Model Risk Weight (30/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$0	$26.1M	$42.5M	52%
FY 2024	2024-12-31	$0	$24.7M	$34.5M	52%
FY 2023	2023-12-31	$0	$16.5M	$22.5M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating USCB & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on USCB
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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USCB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +8.83%📐 WEDGE COMPRESSION COIL

2026-10-30O $19.86H $20.20L $19.82C $19.85VOL 122.3K

RES: $22.88SUP: $19.24SMA50: $22.24SMA200: $20.27

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

USCB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 USCB Butterfly Map → + Track USCB →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

5.9%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on USCB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for USCB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for USCB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (USCB)

Financials Rank #156 of 1096 ⚔️ FRST vs USCB Full Matrix →

1. Head-to-Head Financials Peer Comparison (USCB vs. FRST, CFFI, BRBS, FDBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, USCB Financial Holdings Inc. (Class A) (USCB) ranks #156 by composite RQD confidence (70/100, grade B-) and #772 by equity capitalization ($366.7M). Within this direct 5-issuer industry benchmark cohort, CFFI leads on earnings valuation at 13.5x trailing P/E, while USCB leads on capital efficiency and profitability with 12.0% ROIC and — gross margin. USCB currently leads its immediate peer cohort in composite quantitative strength at 70/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
USCB ACTIVE USCB Financial Holdings Inc. (Class A)	B-	70/100	14.1x	—	12.0%	-0.35%	$366.7M	Benchmark Subject
FRST Primis Financial Corp.	D+	56/100	—	—	0.0%	+0.03%	$367.6M	/frst-vs-uscb →
CFFI C&F Financial Corporation	C-	59/100	13.5x	—	10.3%	+1.39%	$361.8M	/cffi-vs-uscb →
BRBS Blue Ridge Bankshares Inc.	C+	66/100	33.8x	—	3.3%	+1.77%	$361.4M	/brbs-vs-uscb →
FDBC Fidelity D & D Bancorp Inc.	C+	69/100	13.6x	—	11.8%	+3.65%	$382.4M	/fdbc-vs-uscb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001901637

In its most recent audited fiscal period (FY2025, filed 2025-12-31), USCB Financial Holdings Inc. (Class A) (USCB) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $26.1M, operating cash flow of $42.8M, and free cash flow of $42.5M (+23.1% YoY). On the balance sheet, USCB closed FY2025 with $2.79B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$26.1M	$42.8M	$42.5M	$2.79B	—
FY2024 (FY)	2024-12-31	$0	$24.7M	$34.8M	$34.5M	$2.58B	—
FY2023 (FY)	2023-12-31	$0	$16.5M	$22.5M	$22.5M	—	—

3. USCB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is USCB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, USCB Financial Holdings Inc. (Class A) (NASDAQ: USCB) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $19.85 (-0.35% 1D, market cap $366.7M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, USCB ranks #156 in composite RQD confidence.

How does USCB compare to FRST and CFFI in the Financials sector?

Within the Financials sector (Major Banks), USCB carries a Roarable B- (70/100 RQD), trailing P/E of 14.1x, gross margin of —, and ROIC of 12.0%. By comparison, FRST (Primis Financial Corp.) holds a D+ grade (56/100 RQD, P/E N/A, ROIC 0.0%, cap $367.6M) and CFFI (C&F Financial Corporation) posts a C- grade (59/100 RQD, P/E 13.5x, ROIC 10.3%, cap $361.8M). Among the 5-stock peer group, CFFI leads on earnings multiple (13.5x) while USCB leads on capital efficiency (12.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for USCB?

Per USCB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001901637), USCB Financial Holdings Inc. (Class A) generated $0 in revenue, $26.1M in net income, and $42.5M in free cash flow against $2.79B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is USCB trading relative to its 50-day, 200-day, and 52-week technical levels?

USCB last traded at $19.85 (-0.35% on volume of 64,426 shares), positioning the stock -10.75% below its 50-day simple moving average ($22.24) and -2.07% below its 200-day simple moving average ($20.27). Across its 52-week range of $17.00 to $23.89, USCB sits at the 41.4% percentile with a 14-day RSI of 30.6 (OVERSOLD (<32)) and an implied next-earnings move of ±5.9% ($18.68 to $21.02).