Stock Ratings / Financials / USCB / insiders

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USCB Financial Holdings Inc. (Class A) (USCB) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

Q: 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.

Q: 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).

Q: 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.

Q: 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).

Q: Are USCB insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies USCB leadership and institutional positioning as: HEAVY INSIDER & 13F ACCUMULATION.

$19.85 -0.35% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $19.89

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.

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate) →

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

EXT / AFTER-HRS: $19.89 (+0.18%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 1.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate).

Audit Bucket Track Record →

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%

Deterministic 5-Pillar Attribution (70/100 Composite)

🔍 WHY USCB SCORES 70/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Macro Regime Fit+16/20 pts (23% of score)

FRED Regime × Technicals: 41% of 52W Range • RSI-14 at 30.6 (OVERSOLD (<32))

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade A-$22.04+1.4% Next Q

Q2 (-2Q)

Grade B+$22.35-10.6% Next Q

Q3 (-1Q)

Grade B$19.99-0.7% Next Q

Current

Grade B-$19.85+6.6% Hist 90D α

Trajectory: A- (78) → B- (70)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the USCB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 70/100 (B-) score, USCB faces multiple-compression risk if 14.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($22.24) or 200D SMA ($20.27) invalidates the momentum regime and cuts Target Base ($20.92) toward Bear Floor ($16.28).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $USCB• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “USCB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 70%NO 30%Trade / Inspect Odds →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

USCB Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (USCB)

No recent open-market Form 4 cluster sales or emergency dumps flagged on USCB. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (USCB Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

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).

USCB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Are USCB insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies USCB leadership and institutional positioning as: HEAVY INSIDER & 13F ACCUMULATION.

Direct Sub-Reports: USCB RQD Cockpit USCB 12M Forecast USCB Earnings & Move USCB Dividends & DRIP USCB Insiders & 13F USCB Whale Options USCB Profit Sankey USCB News & Why