US Century Bank (USCB) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of US Century Bank $12.21, price $22.44, upside -45.6%, quality 61 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $8.38 – $23.48 · fair‑value band $10.46 – $21.54 · the $22.44 price screens above the $12.21 fair value. Dashed = 300-day average. As of Sep 23, 2026.
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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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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.
Stock analysis
US Century Bank (USCB) currently trades at $22.44, while our model-based Fair Value estimate is $12.21, implying the stock looks roughly 83.8% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $16.10 per share, and 0 of the 6 models we run sit above the $22.44 price.
Bear case: the Dividend Discount group reads lowest at $5.42, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $10.46 (bear) to $21.54 (bull), the price of $22.44 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 61/100 (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 $415M · P/E ratio 14.4 · P/S ratio 2.47 · EPS (TTM) $1.56 · Dividend yield 2.0% · Net margin 17.2% · Return on equity 12.4% · Return on assets (EBIT) 1.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 40% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −46%, USCB screens richer than that median.
Fair Value models
Bear $10.46Fair Value $12.21Bull $21.54
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.8120 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.Evidence ⓘEvidence = 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.
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%
’19
’20
’22
’23
’24
’25
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.
+22.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+20.6%
Dividend (yield on the price)2.0%
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%
Growth Forecast
Price in line with expectations
The price assumes less growth than the company has delivered so far and about what analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+1.8%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
−0.8%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −0.6% a year for the price and −3.2% for the forecasts.
Price, fair value, quality and upside side by side.
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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 · 1076 stocks
Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score60 · Top 25%
Fair Value upside−46% · Bottom 25%
Profitability
Return on equity (TTM)12% · Above median
Return on assets1% · Above median
Net margin (TTM)30% · Above median
Operating margin (TTM)49% · Above median
Growth and dividend
Revenue growth14% · Above median
Dividend yield (TTM)2.0% · Below median
Balance sheet
Debt / equity0.93× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)14.4× · Pricier than median
P/B1.96× · Priciest 25%
P/S (TTM)4.40× · Pricier than median
P/FCF9.8× · Pricier than median
EV/EBITDA14.6× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)71· sector 45
PAST (return on equity)49· sector 41
HEALTH (low debt)54· sector 85
DIVIDEND (yield)40· sector 53
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
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 Sep 23, 2026, our model estimates a fair value of $12.21 versus a price of $22.44, about −46% upside (overvalued).
What is the fair value of USCB?
Our model-based fair value for US Century Bank is $12.21 (as of Sep 23, 2026), built from audited fundamentals. The current price: $22.44.
What is the quality score of USCB?
US Century Bank has a Quality Score of 61/100. 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 $12.21 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario $10.46, optimistic scenario $21.54. 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 $12.21, about −46% upside versus a price of $22.44 (overvalued). Cautious scenario $10.46, optimistic scenario $21.54. 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 $94.5M (latest available figure, as of Sep 23, 2026).
Does US Century Bank pay a dividend?
US Century Bank currently shows a dividend yield of about 2.01% relative to its recent price (as of Sep 23, 2026).
What growth is priced into US Century Bank (USCB)?
For today's price to be fair in a discounted-cash-flow model, US Century Bank would have to grow free cash flow by +1.8 % per year for five years (discount rate 9.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +21.0 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of USCB use?
Our models discount US Century Bank at 9.8 %: a base by market capitalisation (small), damped by beta 0.46, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For US Century Bank that is +1.8 % per year a year over ten years, using the same discount rate (9.8 %) and the same formula as our fair value.
How much growth has US Century Bank (USCB) delivered so far?
Over the past 5 years revenue at US Century Bank grew +21.0 % a year. The price currently implies +1.8 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of US Century Bank (USCB) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into US Century Bank (+1.8 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of US Century Bank (USCB)?
The free-cash-flow yield on the price is 10.23 %: that much free cash flow US Century Bank produces per unit of market value. When it exceeds the discount rate of our models (9.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 $12.21 per share (as of Sep 23, 2026), against a price of $22.44. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is US Century Bank stock overvalued or undervalued in 2026?
As of Sep 23, 2026, USCB trades above its calculated fair value: price $22.44, fair value $12.21, a gap of about −46% (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 ($22.44); the fair value is what the company's own numbers justify ($12.21). For US Century Bank the two are $10.23 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 $415M (market capitalisation, as of Sep 23, 2026). Per share that is $22.44; our models calculate a fair value of $12.21 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 $12.21, optimistic $21.54 per share (as of Sep 23, 2026, price $22.44). 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 14.4 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $12.21 is built from several models across several years. Other multiples: P/B 2.0, P/S 4.4, EV/EBITDA 14.6.
How solid is the balance sheet of US Century Bank (USCB)?
Balance-sheet figures for US Century Bank (as of Sep 23, 2026): return on equity 12.4%, debt of 0.93 per unit of equity. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is USCB from its 52-week high?
US Century Bank trades at $22.44, about 4% below its 52-week high of $23.48 and 40% above the low of $16.04 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $12.21 is for.
Which stocks are comparable to US Century Bank?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 23, 2026: price $22.44, calculated fair value $12.21 (−46%), Quality Score 61/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $12.21, 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 13.0 % 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 Sep 23, 2026 was $22.44. Our model-based fair value is $12.21, about −46% upside (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 ($21.54). The favourable scenario is already priced in. Solid but not exceptional quality (61/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($10.46 to $21.54) leaves room in how you read the outcome. 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 $415M. 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 2.47 (P/E × margin). 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 14.4). 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 2.0% (payout 28.8%). 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 17.2% (fiscal year 2025). 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 12.4% (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 49.1% (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 +14.1% 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 +22.5% versus a year earlier. How much earnings per share grew versus a year earlier.
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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Broad data
Sep 23, 2026