USCB:NASDAQUSCB Financial Holdings, Inc. Analysis
Data as of 2026-09-01 - not real-time
$22.26
Latest Price
5/10Risk
Risk Level: Medium
Executive Summary
USCB Financial Holdings, Inc. trades at $22.26, with its short-term moving averages stacked above the longer-term ones — a bullish trend structure. Over a rolling month the price has gained 9.0%. With RSI at 54.4 the momentum picture is neutral, alongside a bearish MACD signal. Price has been bracketed by support at $21.77 and resistance at $23.89.
On valuation the read is undervalued — earnings multiple of 14.3 versus a 16.7 sector average, below the peer group. Sell-side targets cluster 9.4% above the current quote. Revenue is growing at 14.1% on a 30.4% profit margin. The 2.14% dividend yield looks covered by current payout levels.
Risk comes out at 5 of a possible 10, a moderate reading. With 30-day volatility of 26.8%, a beta of 0.45 and a maximum drawdown of 14.2%, position sizing matters here. The wider market backdrop reads extreme greed at 92 on the fear-greed composite.
All three time horizons resolve to buy, carrying 6/10 conviction.
On valuation the read is undervalued — earnings multiple of 14.3 versus a 16.7 sector average, below the peer group. Sell-side targets cluster 9.4% above the current quote. Revenue is growing at 14.1% on a 30.4% profit margin. The 2.14% dividend yield looks covered by current payout levels.
Risk comes out at 5 of a possible 10, a moderate reading. With 30-day volatility of 26.8%, a beta of 0.45 and a maximum drawdown of 14.2%, position sizing matters here. The wider market backdrop reads extreme greed at 92 on the fear-greed composite.
All three time horizons resolve to buy, carrying 6/10 conviction.
Top Market Events
Although the revenue and EPS for USCB Financial USCB give a sense of how its business performed in the quarter ended...USCB Financial USCB delivered earnings and revenue surprises of 0.MIAMI, July 23, 2026 GLOBE NEWSWIRE -- USCB Financial Holdings, Inc.
Market Outlook
Short Term
< 1 yearPositive
Model confidence: 6/10
Key Factors
- Short-term moving averages stacked above long-term ones
- Trading above the 200-day average of 19.50
- MACD momentum is negative
Medium Term
1–3 yearsPositive
Model confidence: 6/10
Key Factors
- Short-term moving averages stacked above long-term ones
- P/E of 14.3 versus sector average of 16.7
- Trading above the 200-day average of 19.50
Long Term
> 3 yearsPositive
Model confidence: 6/10
Key Factors
- P/E of 14.3 versus sector average of 16.7
- Analyst targets imply +9.4% versus the current price
- Profit margin of 30.4% is healthy
Key Metrics & Analysis
Financial Health
Revenue Growth14.10%
Profit Margin30.41%
P/E Ratio14.3
ROE12.36%
ROA1.00%
P/B Ratio1.8
Op. Cash Flow$50.1M
Industry P/E16.7
Technical Analysis
TrendBullish
RSI54.4
Support$21.77
Resistance$23.89
MA 20$22.39
MA 50$21.43
MA 200$19.50
MACDBearish
VolumeIncreasing
Fear & Greed Index92.25
Valuation
Fair Value$33.79
Target Price$24.35
Upside/Downside9.39%
GradeUndervalued
TypeBlend
Dividend Yield2.14%
Risk Assessment
Beta0.45
Volatility26.75%
Sector RiskMedium
Reg. RiskHigh
Geo RiskLow
Currency RiskLow
Liquidity RiskMedium
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.