USCB Financial Holdings Inc. Class A Common Stock (USCB)

FairStock Score: 39/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I start with a bank’s ability to earn on equity. FairStock calculates an ROE of 12.36%, a respectable double-digit figure, and a price-to-book of 1.75 at the 2026-10-13 close, so I am paying up for that return rather than getting a discount to book. The FairStock P/E of 14.20 and PEG of 0.64 suggest the market is not demanding heroic growth if earnings persist. Filed results support persistence but not perfectly: in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $9.1M and diluted EPS was $0.49, up from $8.1M and $0.40 in fiscal Q2 2025, the quarter ended 2025-06-30. Full-year FY2025 net income was $26.1M, or $1.33 per diluted share, versus FY2024’s $24.7M and $1.24; FY2023 net income was $16.5M. The Lynch category is STALWART, steady growth, because profit compounded 19.3% a year over five years. That is attractive, but the Piotroski F-Score of 4/9 and FairStock Score of 39/100 tell me the financial foundation is not screaming strength. The bank is small, with 216 employees and niche SBA, yacht, HOA, and correspondent-banking exposure where credit underwriting matters enormously. Missing CET1, NIM, nonperforming loans, reserves, and loan-to-deposit data mean I cannot underwrite the balance sheet. At 1.75 times book, I need confidence in credit; without it, this is a fair-to-full price, not a Graham bargain.

In plain English: USCB is a small bank holding company that lends to businesses and provides specialized services like small-business and yacht loans, homeowner-association banking, and banking for Latin American banks. It looks reasonably profitable and has grown earnings, but the stock is not a deep bargain: it trades at a modest multiple of profit and above the value of its net assets. Because key bank safety numbers are not in the data, the picture is incomplete.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer