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Data-driven stock valuation

US Century Bank (USCB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of US Century Bank stock $12.22, price $19.67, that is 37.9% below the price, quality 60 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

UC US Century Bank logo Broad data Nov 8, 2026

US Century Bank

USCB · US
Solid, but very expensive

Our calculation puts a fair price 38% below what the stock costs today.

Quality 60/100
Highly profitable · 30.4% net margin (TTM)
2.4% dividend yield · Low payout
Broad data
Mixed Growth (revenue 5y +21.0 %/yr in USD)
Wide moat 68/100 · thin data
Insiders bought $20,000 (6M) · sold $2.9M
Fair value $12.22 · Strongly overvalued
Trails peers (5/14)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$23.48 $8.38 Fair Value $12.22 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $8.38 – $23.48 · fair‑value band $10.46 – $16.98 · the $19.67 price screens above the $12.22 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

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.

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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.

Stock analysis

US Century Bank (USCB) currently trades at $19.67, while our model-based Fair Value estimate is $12.22, 38% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $16.95 per share, and 0 of the 6 models we run sit above the $19.67 price.

Bear case: the Dividend Discount group reads lowest at $6.61, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $10.46 (bear) to $16.98 (bull), the price of $19.67 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 60/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

US Century Bank reported revenue of $152M in FY2025 versus $15.0M in FY2021, a compound +78.3%/yr. Reported net income was $26.1M in FY2025, compounding +46.6%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.

Key figures

Market cap $364M Small · P/E ratio 12.6 · P/S ratio 3.77 · EPS (TTM) $1.56 · Dividend yield 2.4% · Net margin 30.4% · Return on equity 13.4% · Return on assets (EBIT) 1.0% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 68 out of 100 (low confidence).

What moves the price

The share trades about 16% below its 52-week high and 17% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −38%, USCB screens richer than that median.

Fair Value models

Bear $10.46 Fair Value $12.22 Bull $16.98
Price $19.67 · Downside -37.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.9304 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $10.46 $12.22 $16.98 74
Gordon GGM $3.62 $7.04 $10.39 65
DDM Multi-Stage $3.62 $6.17 $7.45 65
All 6 models by family
Dividend Discount
Gordon GGM $3.62 $7.04 $10.39 65
DDM Multi-Stage $3.62 $6.17 $7.45 65
Multiples
P/E Multiple $13.78 $18.38 $22.97 63
P/B Multiple $11.64 $15.52 $19.40 55
Asset-Based
NCAV (Graham) $5.75 $7.71 $11.50 54
Economic Profit
Residual Income $10.46 $12.22 $16.98 74

Open the full fair value analysis →

Quality Score breakdown

Overall quality 60/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 31
How much profit the company makes from its sales and capital
Quality Growth 55
Are margins and returns getting better?
Cashflow 93
Do the profits arrive as real cash?
Financial strength 10
Debt, balance sheet and risk of trouble
Investment 74
Does it invest with discipline instead of growing at any price?
Low Volatility 85
How calm the share price moves, does not count
Price momentum 48
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 46
Distance to the 52-week high, does not count
New shares 86
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, one officer or director bought shares worth $20,000, on Oct 30, 2026. Over the same period, 3 people sold shares worth $2.9M.

  • BuyRamon M. RodriguezDirector1,000 shares at $20.00$20,000Oct 30, 2026
  • SaleAndres CollazoEVP, Operations & IT2× since Mar 7, 2026: 9,000 shares, avg. $18.35$165,160Jun 8, 2026
  • SaleLuis De La AguileraPresident and CEO, Director8× since Jan 29, 2026: 192,570 shares, avg. $18.17$3.5MMay 21, 2026
  • SaleRamon AbadinDirector2× since May 13, 2026: 15,552 shares, avg. $18.13$282,023May 14, 2026
  • SaleIra M Lubert10% owner3× since Dec 2, 2025: 103,695 shares, avg. $18.34$1.9MMay 1, 2026
  • SalePatriot Financial Partners Parallel II, L.P.10% owner82,043 shares at $18.56$1.5MDec 10, 2025
  • SaleW Kirk WycoffDirector, 10% owner2× since Nov 24, 2025: 43,885 shares, avg. $18.04$791,710Nov 25, 2025

Plus 11 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 92/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+5.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+25.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.0%
Start year 2020 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.6%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+23.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+20.6%
Dividend (yield on the price)2.4%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.23% → 24%

USCB screens overvalued: fair value 38% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score 60 · Top 25%
Fair Value upside −37.9% · Bottom 25%
Profitability
Return on equity (12 months) 13.4% · Above median
Return on assets 0.9% · Below median
Net margin (12 months) 30.4% · Above median
Operating margin (12 months) 46.7% · Above median
Growth and dividend
Revenue growth (quarter YoY) 8.3% · Below median
Dividend yield (12 months) 2.4% · Below median
Balance sheet
Debt / equity 0.93× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 12.6× · Pricier than median
P/B 1.71× · Priciest 25%
P/S (12 months) 3.77× · Pricier than median
Price / free cash flow (fiscal year) 8.6× · Cheaper than median
EV/EBITDA 13.2× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)42 · sector 47
PAST (return on equity)53 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)48 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs USCB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs USCB
BNP Paribas SA BNP €91.93 €106.01 +15% vs USCB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs USCB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs USCB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs USCB
Mizuho Financial Group MFG $9.40 $5.89 −37% vs USCB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs USCB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs USCB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs USCB

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Cite: Fair Value Calculator (2026). "US Century Bank Fair Value". https://www.fairvalue-calculator.com/stock/USCB

Frequently asked questions

Is US Century Bank (USCB) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $12.22 versus a price of $19.67, about 38% lower (overvalued).
What is the fair value of USCB?
Our model-based fair value for US Century Bank is $12.22 (as of Nov 8, 2026), built from audited fundamentals. The current price: $19.67.
What is the quality score of USCB?
US Century Bank has a Quality Score of 60/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for US Century Bank (USCB)?
Our model-based price target is the fair value of $12.22 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $10.46, optimistic scenario $16.98. It is a calculation from audited fundamentals, not an analyst target.
What is the US Century Bank stock forecast for 2026?
Our models put fair value at $12.22, about 38% lower versus a price of $19.67 (overvalued). Cautious scenario $10.46, optimistic scenario $16.98. The calculation is refreshed regularly with new filings.
What is the revenue of US Century Bank (USCB)?
US Century Bank reported trailing-twelve-month revenue of about $96.5M (latest available figure, as of Nov 8, 2026).
Does US Century Bank pay a dividend?
US Century Bank currently shows a dividend yield of 2.41% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of US Century Bank (USCB) and when is the ex-dividend date?
US Century Bank pays a dividend of $0.475 per share a year, a dividend yield of 2.4%. The next ex-dividend date is Nov 16, 2026, with payment on Dec 4, 2026. The payout ratio is 30.4% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of US Century Bank (USCB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For US Century Bank it is $12.22 per share (as of Nov 8, 2026), against a price of $19.67. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is US Century Bank stock overvalued or undervalued in 2026?
As of Nov 8, 2026, USCB trades above its calculated fair value: price $19.67, fair value $12.22, a gap of about −38% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of USCB?
No. The price is what the market pays today ($19.67); the fair value is what the company's own numbers justify ($12.22). For US Century Bank the two are $7.45 per share apart. That gap is exactly why we show both numbers side by side.
How much is US Century Bank worth?
The market values US Century Bank at about $364M (market capitalisation, as of Nov 8, 2026). Per share that is $19.67; our models calculate a fair value of $12.22 per share.
What do the bullish and bearish scenarios say about USCB?
Our models span a range for US Century Bank: cautious scenario $10.46, base $12.22, optimistic $16.98 per share (as of Nov 8, 2026, price $19.67). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of USCB?
US Century Bank trades at a price-to-earnings ratio of 12.6 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $12.22 is built from several models across several years. Median P/E at fiscal year-end, 5 fiscal years (2021 to 2025), reported earnings: 14.3. Other multiples: P/B 1.7, P/S 3.8, EV/EBITDA 13.2.
How solid is the balance sheet of US Century Bank (USCB)?
Balance-sheet figures for US Century Bank (as of Nov 8, 2026): return on equity 13.4%, debt of 0.93 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is USCB from its 52-week high?
US Century Bank trades at $19.67, about 16% below its 52-week high of $23.48 and 17% above the low of $16.88 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $12.22 is for.
Which stocks are comparable to US Century Bank?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is US Century Bank stock attractive at the current price?
The data as of Nov 8, 2026: price $19.67, calculated fair value $12.22 (−38%), Quality Score 60/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of USCB calculated?
We run US Century Bank through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $12.22 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. US Century Bank itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of US Century Bank (USCB)?
The closing price on Nov 6, 2026 was $19.67. Our model-based fair value is $12.22, about 38% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with US Century Bank right now?
The price sits above even our optimistic bull case ($16.98). The favourable scenario is already priced in. Solid but not exceptional quality (60/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of US Century Bank

How large is the market capitalisation of US Century Bank (USCB)?
The market capitalisation of US Century Bank is $364M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of US Century Bank (USCB)?
The price-to-sales ratio of US Century Bank is 3.77 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of US Century Bank (USCB)?
Earnings per share at US Century Bank are $1.56 (price ÷ EPS = P/E 12.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of US Century Bank (USCB)?
The dividend yield of US Century Bank is 2.4% (payout 30.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of US Century Bank (USCB)?
The net margin of US Century Bank is 30.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of US Century Bank (USCB)?
The return on equity (ROE) of US Century Bank is 13.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of US Century Bank (USCB)?
On an EBIT basis the return on assets of US Century Bank is 1.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of US Century Bank (USCB)?
The operating margin of US Century Bank is 46.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at US Century Bank (USCB)?
Revenue at US Century Bank is growing +8.3% versus a year earlier (3y avg +25.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at US Century Bank (USCB)?
Earnings per share at US Century Bank are growing +13.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does US Century Bank (USCB) generate?
The free cash flow of US Century Bank is $42.5M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does US Century Bank (USCB) carry?
The net debt of US Century Bank is $8.4M (fiscal year 2025, ≈ 0.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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