US Century Bank

USCB · NASDAQ · Financial Services / Banks - Regional

20.26USD+0.13 (+0.65%)

Price History

Full chart

Market Stats

Previous Close20.13

Open20.22

Day Range19.91 – 20.39

52-Week Range15.97 – 23.89

Volume61.55K

Market Cap418.08M

P/E (TTM)14.51

Forward P/E11.45

EPS1.56

Dividend Yield2.10%

Beta0.46

50-Day Avg22.33

200-Day Avg19.91

About

USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various personal and business banking products and services in the United States. The company offers small business administration and yacht lending services; homeowners association services, including deposit collection, lockbox services, payment services, and lending products; jurist advantage and private client group services; correspondent banking services for banks in certain Latin America and the Caribbean countries. It also provides deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, and certificates of deposit; treasury, commercial payment, and cash management services; insured cash sweep and certificate of deposit account registry services; and clients title insurance policies for real estate transactions. The company was founded in 2002 and is headquartered in Doral, Florida.

Company Details

SectorFinancial Services
IndustryBanks - Regional
CEOMr. Luis F. de la Aguilera
Employees216
Headquarters2301 NW 87th Avenue, Doral, FL, United States, 33172, USA
Websitehttps://www.uscentury.com

Leadership

Mr. Luis F. de la AguileraPresident, CEO & Chairman · b. 1960
Mr. Robert B. Anderson CPAExecutive VP & CFO · b. 1966
Mr. Nicholas G. BustleExecutive VP & Chief Corporate Lending Officer · b. 1963
Mr. Andres L. CollazoExecutive VP and Director of Operations & Information Technology Systems · b. 1964
Mr. Roberto Diaz CPASenior VP, Controller & Chief Accounting Officer
Ms. Martha Guerra-KattouExecutive VP and Director of Sales & Marketing · b. 1969
Ms. Jessica GoldbergSenior VP & Human Resources Director
Mr. Oscar GomezExecutive VP & Head of Global Banking Division · b. 1955
Mr. Sergio E. GarridoSenior VP & Chief Credit Officer
Ms. Maricarmen LogronoExecutive VP, Chief Risk Officer & Corporate Secretary · b. 1979

Financials

Income Statement

Currency: USD	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	44.75M	58.73M	15.03M	76.17M	108.42M	143.97M	152.08M
Growth (%)	-	+31.25%	-74.41%	+406.73%	+42.35%	+32.79%	+5.63%
Cost of Revenue	-	12.29M	4.07M	9.93M	44.82M	64.45M	63.67M
Gross Profit	44.75M	46.44M	15.03M	66.23M	63.60M	79.52M	88.41M
Gross Margin	100.00%	79.08%	100.00%	86.96%	58.66%	55.23%	58.13%
Operating Expense	30.64M	33.04M	7.63M	39.15M	41.81M	47.04M	52.49M
Operating Income	14.10M	13.41M	7.40M	27.09M	21.80M	32.48M	35.92M
Operating Margin	31.52%	22.83%	49.24%	35.56%	20.10%	22.56%	23.62%
EBITDA	35.13M	14.68M	8.43M	27.77M	22.39M	33.06M	36.37M
EBITDA Margin	78.52%	25.00%	56.11%	36.46%	20.65%	22.97%	23.92%
Net Income	10.39M	10.82M	5.65M	20.14M	16.55M	24.67M	26.10M
Net Income Margin	23.22%	18.42%	37.59%	26.44%	15.26%	17.14%	17.16%
Interest Expense	0	9.04M	955.00K	7.44M	42.45M	61.30M	61.86M
Interest Expense % of Total Revenue	0.00%	15.39%	6.35%	9.77%	39.15%	42.58%	40.67%

Balance Sheet

Currency: USD	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	1.31B	1.50B	1.85B	2.09B	2.34B	2.58B	2.80B
Total Liabilities	1.15B	1.33B	1.65B	1.90B	2.15B	2.37B	2.59B
Total Equity	160.28M	171.00M	203.90M	182.43M	191.97M	215.39M	212.39M
Cash	35.74M	47.73M	46.23M	54.17M	41.06M	77.03M	82.34M
Total Debt	41.00M	50.51M	50.19M	60.40M	194.42M	171.45M	90.75M
Net Debt	5.26M	2.78M	3.96M	6.23M	153.36M	94.42M	8.41M

Cash Flow

Currency: USD	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	14.34M	13.10M	22.05M	29.54M	22.55M	34.09M	42.80M
Investing Cash Flow	-127.08M	-178.78M	-359.36M	-270.60M	-273.00M	-211.86M	-245.41M
Financing Cash Flow	123.14M	177.67M	335.81M	249.00M	237.35M	213.74M	164.05M
Capital Expenditure	871.00K	347.00K	633.00K	673.00K	163.00K	314.00K	303.00K
Free Cash Flow	13.46M	12.76M	21.42M	28.86M	22.38M	33.78M	42.50M
Dividends Paid	1.83M	3.13M	2.08M	0	500.21M	3.94M	7.83M
FCF to OCF	93.92%	97.35%	97.13%	97.72%	99.28%	99.08%	99.29%
Dividend Paid to FCF	13.56%	24.52%	9.70%	0.00%	2234.77%	11.66%	18.42%

Earnings

Report Date	Mar 31, 2020	Jun 30, 2020	Mar 31, 2021	Jun 2, 2021	Jul 30, 2021	Oct 28, 2021	Jan 27, 2022	Apr 28, 2022	Jul 28, 2022	Oct 27, 2022	Jan 26, 2023	Apr 27, 2023	Jul 27, 2023	Oct 26, 2023	Jan 25, 2024	Apr 25, 2024	Jul 25, 2024	Oct 31, 2024	Jan 23, 2025	Apr 24, 2025	Jul 24, 2025	Oct 23, 2025	Jan 22, 2026	Apr 23, 2026	Jul 23, 2026	Oct 22, 2026
EPS Estimate	0.00	0.00	0.00	0.00	0.20	0.25	0.24	0.24	0.26	0.30	0.30	0.26	0.24	0.20	0.22	0.21	0.23	0.31	0.37	0.38	0.38	0.42	0.50	0.47	0.49	0.55
EPS Actual	0.09	0.07	0.40	0.24	0.38	0.37	0.30	0.24	0.26	0.28	0.22	0.29	0.21	0.23	0.17	0.23	0.31	0.35	0.34	0.38	0.40	0.45	0.24	0.51	0.49	-
Surprise	-	-	-	-	90.00%	48.00%	25.00%	0.00%	0.00%	-6.67%	-26.67%	11.54%	-12.50%	15.00%	-22.73%	9.52%	34.78%	12.90%	-8.11%	0.00%	5.26%	7.14%	-52.00%	8.51%	0.00%	-
Timing	-	-	-	-	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours

Key Statistics & Ratios

Market Cap418.08M

Enterprise Value592.73M

Trailing P/E14.51

Forward P/E11.45

Price / Sales4.43

Price / Book1.78

EPS1.56

Book Value12.64

Revenue (TTM)94.48M

Gross Profit (TTM)94.48M

Profit Margin30.41%

Operating Margin49.14%

Return on Equity12.36%

Return on Assets1.00%

Shares Outstanding18.47M

Shares Float15.24M

Beta0.46

Dividend Yield2.10%

Dividend Rate0.48

Payout Ratio28.11%

Analyst Ratings

Hold

Based on 5 analystsTarget 24.35

Buy
2
Hold
3

Ownership Breakdown

Institutions: 61.64%
Insiders: 32.58%
Retail / Other: 5.78%

Top Institutional Holders

Patriot Financial Partners GP II, LP
1.81M9.78%
T. Rowe Price Investment Management,Inc.
1.32M7.15%
Endeavour Capital Advisors Inc
1.05M5.70%
AllianceBernstein L.P.
937.36K5.07%
BlackRock Inc
908.84K4.92%
Mendon Capital Advisors Corp
597.79K3.24%
Wellington Management Company LLP
539.78K2.92%
Curi Capital, LLC
527.10K2.85%
Vanguard Capital Management, LLC
487.88K2.64%
Basswood Capital Management LLC
436.89K2.36%
Pacific Ridge Capital Partners, LLC
339.69K1.84%
Geode Capital Management, LLC
252.16K1.36%
Kennedy Capital Management Inc
239.39K1.30%
Dimensional Fund Advisors, Inc.
226.78K1.23%

Top Fund Holders

T. Rowe Price Small-Cap Stock
707.88K3.83%
RMB Mendon Financial Services A
550.00K2.98%
Vanguard MStar Total Stk Mkt Idx Invest
370.80K2.01%
T. Rowe Price Instl Small-Cap Stock
370.15K2.00%
iShares Russell 2000 ETF
307.79K1.67%
Avantis US Small Cap Value ETF
208.28K1.13%

Dividends

20263×

0.13Aug 17, 20260.13May 15, 20260.13Feb 17, 2026

20254×

0.10Nov 14, 20250.10Aug 15, 20250.10May 15, 20250.10Feb 14, 2025

20244×

0.05Nov 15, 20240.05Aug 15, 20240.05May 14, 20240.05Feb 14, 2024