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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
FRED Regime × Technicals: 41% of 52W Range • RSI-14 at 30.6 (OVERSOLD (<32))
Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
USCB Financial Holdings Inc. (Class A) (USCB) slipped -0.35% to $19.85, trading at 41% of its 52-week range ($17 – $23.89). High-quality cash engine (steady margins, 12% return on capital) with steady institutional support.
Piper Sandler analyst Stephen Scouten maintains USCB Financial Holdings (NASDAQ:USCB) with a Overweight and lowers the price target from $27 to $24.
Stricter lending terms are now supporting margins as the bank scales deposit gathering across South Florida.
Analysts downgraded Block, Carpenter Technology, USCB Financial, Floor & Decor; several price targets were cut.
Raymond James analyst Michael Rose downgrades USCB Financial Holdings (NASDAQ:USCB) from Strong Buy to Outperform and lowers the price target from $25 to $23.
USCB Financial Holdings just posted Q3 2026 results showing record quarterly net income of US$9.5 million, or US$0.51 per share. Yet the stock dropped about 12% today and has been sliding over the past month, so sentimen
Record net income and margin expansion drive loan growth momentum.
USCB Financial (NASDAQ:USCB) reported record quarterly earnings for the third quarter of 2026, supported by year-over-year loan growth and net interest income, while management outlined continued investments in deposit g
Moby summary of USCB Financial Holdings, Inc.'s Q3 2026 earnings call
USCB Financial Holdings (NASDAQ:USCB) reported third-quarter financial results on Friday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on USCB today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for USCB. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why USCB Stock slipped -0.35% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 12% return on capital) with steady institutional support.