USCB FINANCIAL HOLDINGS, INC. (USCB)

19.88 -2.89 (-12.68%)

As of 2026-10-23 14:59:38 EST

U.S. Century Bank is a community bank in Miami-Dade County, Florida, with headquarters in the city of Doral. U.S. Century Bank is a Minority Depository Institution (MDI) operating in South Florida. As of June 2026, it has $3.0 billion in total assets, $233.2 million in equity capital, and a branch network that includes 10 locations in Miami-Dade and Broward counties. It is a member of the Federal Deposit Insurance Corporation and rated five stars by Bauer Financial.

Traded asNasdaq: USCB
ISINUS90355N1019
CIK0001901637
LEI—
EIN874070846
SectorBanking
IndustryState Commercial Banks
CEOLuis de la Aguilera
Employees216
Fiscal Year End1231
Address2301 NW 87TH AVENUE, DORAL, FL, 33172
Phone(305) 715-5200
Websitehttp://www.uscentury.com/
Stock Quotes
trading_symbolregistrant_nametimepricechangepercentage_change
USCBUSCB FINANCIAL HOLDINGS, INC.2026-10-23 14:59:3819.88-2.89-12.68
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Company Information
trading_symbolcentral_index_keyregistrant_nameisin_numberlei_numberein_numberexchangesic_codesic_descriptionfiscal_year_endstate_of_incorporationaddress_streetaddress_cityaddress_stateaddress_zip_codeaddress_countryaddress_country_codephone_numbermailing_addressbusiness_addressformer_nameindustryfounding_datechief_executive_officernumber_of_employeeswebsitemarket_capshares_issuedshares_outstandingdescriptionupdate_time
USCB0001901637USCB FINANCIAL HOLDINGS, INC.US90355N1019—874070846Nasdaq6022State Commercial Banks1231FL2301 NW 87TH AVENUEDORALFL33172UNITED STATESUS(305) 715-52002301 NW 87TH AVENUE, DORAL, FL, 331722301 NW 87TH AVENUE, DORAL, FL, 33172—Banking2002-10-28Luis de la Aguilera216http://www.uscentury.com/173,000,000—18,474,470U.S. Century Bank is a community bank in Miami-Dade County, Florida, with headquarters in the city of Doral. U.S. Century Bank is a Minority Depository Institution (MDI) operating in South Florida. As of June 2026, it has $3.0 billion in total assets, $233.2 million in equity capital, and a branch network that includes 10 locations in Miami-Dade and Broward counties. It is a member of the Federal Deposit Insurance Corporation and rated five stars by Bauer Financial.2026-10-23 03:21:24
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USCB Stock Price (End-of-Day)
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USCB Stock Price (1-Minute)
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Market Cap
Fiscal YearMarket CapChange In Market CapPercentage Change In Market CapShares OutstandingChange In Shares OutstandingPercentage Change In Shares Outstanding
2025173,000,00040,700,00030.763418,256,986-1,796,039-8.9564
2024132,300,00027,500,00026.240520,053,025402,5622.0486
2023104,800,000-20,600,000-16.427419,650,46328,0830.1431
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Executive Compensation
Executive NameExecutive PositionFiscal YearSalaryBonusStock AwardsIncentive Plan CompensationOther CompensationTotal Compensation
Nicholas BustleChief Lending Officer, Executive Vice President2025355,446108,927130,465—48,154642,992
Luis De La AguileraPresident, Chief Executive Officer2025700,000388,256481,763—74,7521,644,771
Robert AndersonChief Financial Officer, Executive Vice President2025374,850210,441165,114—51,440801,845
Robert AndersonChief Financial Officer, Executive Vice President2024357,000201,000423,260—46,4971,027,757
Luis De La AguileraPresident, Chief Executive Officer2024625,000358,0002,011,251—72,0693,066,320
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Employee Count
Fiscal YearEmployee Count
2025205
2024199
2023196
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Income Statements
Fiscal Year202520242023
Revenue———
Cost Of Revenue———
Gross Profit———
Research And Development Expenses———
General And Administrative Expenses———
Operating Expenses———
Operating Income145,487,000131,233,000101,017,000
Net Income26,100,00024,674,00016,545,000
Earnings Per Share Basic1.34——
Earnings Per Share Diluted1.33——
Weighted Average Shares Outstanding Basic19,425,746——
Weighted Average Shares Outstanding Diluted19,650,814——
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Balance Sheet Statements
Fiscal Year202520242023
Cash And Cash Equivalents6,027,0006,986,0008,019,000
Marketable Securities Current———
Accounts Receivable———
Inventories———
Non Trade Receivables———
Other Assets Current———
Total Assets Current———
Marketable Securities Non Current———
Property Plant And Equipment4,247,0004,563,0004,836,000
Other Assets Non Current———
Total Assets Non Current———
Total Assets2,791,540,0002,581,216,0002,339,093,000
Accounts Payable———
Deferred Revenue———
Short Term Debt———
Other Liabilities Current———
Total Liabilities Current———
Long Term Debt———
Other Liabilities Non Current———
Total Liabilities Non Current———
Total Liabilities2,574,357,0002,365,828,0002,147,125,000
Common Stock———
Retained Earnings-49,542,000-67,813,000-88,548,000
Accumulated Other Comprehensive Income-30,265,000-44,534,000-44,271,000
Total Shareholders Equity217,183,000215,388,000191,968,000
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Cash Flow Statements
Fiscal Year202520242023
Depreciation And Amortization619,000587,000590,000
Share Based Compensation Expense3,005,0002,130,0001,012,000
Other Non Cash Income Expense———
Change In Accounts Receivable———
Change In Inventories———
Change In Non Trade Receivables716,000257,0003,142,000
Change In Other Assets5,930,0006,223,000-261,000
Change In Accounts Payable———
Change In Other Liabilities———
Cash From Operating Activities42,805,00034,090,00022,546,000
Purchases Of Marketable Securities139,841,00085,673,00040,379,000
Sales Of Marketable Securities82,497,00034,753,00024,185,000
Acquisition Of Property Plant And Equipment303,000314,000163,000
Acquisition Of Business———
Other Investing Activities———
Cash From Investing Activities-245,410,000-211,861,000-273,002,000
Tax Withholding For Share Based Compensation———
Payments Of Dividends7,829,0003,939,000—
Issuance Of Common Stock804,0001,319,00075,000
Repurchase Of Common Stock34,554,000501,0007,583,000
Issuance Of Long Term Debt———
Repayment Of Long Term Debt———
Other Financing Activities———
Cash From Financing Activities164,047,000213,744,000237,350,000
Change In Cash-38,558,00035,973,000-13,106,000
Cash At End Of Period6,027,0006,986,0008,019,000
Income Taxes Paid———
Interest Paid59,998,00060,544,00041,306,000
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Key Metrics
Fiscal Year202520242023
Earnings Per Share1.34——
Price To Earnings Ratio13.7463——
Earnings Growth Rate———
Price Earnings To Growth Ratio———
Book Value Per Share11.1802——
Price To Book Ratio1.6476——
Ebitda110,349,00095,197,00059,584,000
Enterprise Value———
Dividend Yield0.0219——
Dividend Payout Ratio0.30.1596—
Debt To Equity Ratio———
Capital Expenditures303,000314,000163,000
Free Cash Flow42,502,00033,776,00022,383,000
Return On Equity0.12020.11460.0862
One Year Beta0.71641.13030.6414
Three Year Beta0.78910.44630.285
Five Year Beta0.50090.42030.285
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Insider Transactions
Insider NameRelationship To IssuerTransaction DateAmount Of SecuritiesAcquired Or DisposedSecurities Owned Following Transaction
Garrido Sergio E.SVP, Chief Credit Officer2026-07-0615,000A25,197
COLLAZO ANDRESEVP, Operations & IT2026-06-081,000D31,521
DE LA AGUILERA LUISDirector, President and CEO2026-05-2149,414A292,359
DE LA AGUILERA LUISDirector, President and CEO2026-05-2149,414D242,945
DE LA AGUILERA LUISDirector, President and CEO2026-05-2149,414D17,430
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Institutional Holdings
Investor NamePeriod Of ReportMarket ValueAmount Of SecuritiesPrice Per Security
Sterling Capital Management LLC2026-09-306,54930021.83
WASHINGTON TRUST Co2026-09-30218,30010,00021.83
Root Financial Partners, LLC2026-09-309174221.8333
NISA INVESTMENT ADVISORS, LLC2026-09-308954121.8293
Daytona Street Capital LLC2026-09-30779,32434,72822.4408
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Mutual Fund Holdings
Registrant NamePeriod Of ReportFund NameFund SymbolAmount Of UnitsValue In UsdPercentage Value Compared To Assets
GOLDMAN SACHS TRUST2026-08-31Class P SharesGSGPX16,432365,447.680.0057
GOLDMAN SACHS TRUST2026-08-31Class R6 SharesGARUX16,432365,447.680.0057
GOLDMAN SACHS TRUST2026-08-31Investor SharesGSRTX16,432365,447.680.0057
GOLDMAN SACHS TRUST2026-08-31Class R SharesGRRTX16,432365,447.680.0057
GOLDMAN SACHS TRUST2026-08-31InstitutionalGJRTX16,432365,447.680.0057
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