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USCB Financial Holdings (USCB) Fair Value & Analysis

Financial Services · US · Market cap $362M

Price$19.89
Fair Value$18.58
Upside-6.6%
Quality95/100
Evidence: High Range $13.93 – $23.22

Fair value as of: Jun 26, 2026

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Analysis

USCB Financial Holdings (USCB) currently trades at $19.89, while our model-based Fair Value estimate is $18.58 — implying the stock looks roughly 6.6% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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.

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Frequently asked questions

Is USCB Financial Holdings (USCB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $18.58 versus a price of $19.89 — about −7% (overvalued). Model-based estimate, not financial advice.
What is the fair value of USCB?
Our 21-model fair value for USCB Financial Holdings is $18.58 (as of Jun 26, 2026), built from audited fundamentals. The current price is $19.89.
What is the quality score of USCB?
USCB Financial Holdings has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.