USCB:NASDAQUSCB Financial Holdings, Inc. Analysis
Data as of 2026-05-07 - not real-time
$18.36
Latest Price
6/10Risk
Risk Level: Medium
Executive Summary
$18.36 is trading below its 20‑day SMA of 19.08 and 50‑day SMA of 18.85, indicating short‑term pressure, but the 30‑day volatility of ~21% and a beta under 0.8 suggest limited market‑wide swings. The RSI of 40 hints at near‑oversold conditions, while a bearish MACD histogram signals caution.
Fundamentals are more encouraging: a trailing PE of 12.5 sits well under the industry average of 16.5, and a forward PE of 8.35 points to earnings acceleration. Revenue grew 14.7% YoY and the dividend yield of 2.76% with a 29% payout ratio appears sustainable. Analyst consensus is a “buy” with a median price target around $21.5, offering roughly 18% upside.
Fundamentals are more encouraging: a trailing PE of 12.5 sits well under the industry average of 16.5, and a forward PE of 8.35 points to earnings acceleration. Revenue grew 14.7% YoY and the dividend yield of 2.76% with a 29% payout ratio appears sustainable. Analyst consensus is a “buy” with a median price target around $21.5, offering roughly 18% upside.
Market Outlook
Short Term
< 1 yearNeutral
Model confidence: 6/10
Key Factors
- Upcoming Q1 earnings release adds uncertainty
- Price below 20‑day SMA and bearish MACD
- Increasing volume supports potential bounce from support
Medium Term
1–3 yearsPositive
Model confidence: 8/10
Key Factors
- Undervalued relative to peers (PE 12.5 vs industry 16.5)
- Strong revenue growth and accelerating earnings
- Sustainable dividend yield of 2.76%
Long Term
> 3 yearsPositive
Model confidence: 9/10
Key Factors
- Solid balance sheet with cash near debt levels
- Stable regional banking niche with diversified services
- Consistent dividend policy and attractive upside potential
Key Metrics & Analysis
Financial Health
Revenue Growth14.70%
Profit Margin30.48%
P/E Ratio12.5
ROE12.40%
ROA1.01%
P/B Ratio1.5
Industry P/E16.5
Technical Analysis
TrendBullish
RSI40.0
Support$17.63
Resistance$20.25
MA 20$19.08
MA 50$18.85
MA 200$18.23
MACDBearish
VolumeIncreasing
Fear & Greed Index90.93
Valuation
Target Price$21.70
Upside/Downside18.19%
GradeUndervalued
TypeBlend
Dividend Yield2.76%
Risk Assessment
Beta0.78
Volatility20.85%
Sector RiskMedium
Reg. RiskMedium
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.