Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
USCB Financial Holdings, Inc. (USCB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$19.84-0.50%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
2.33 → 2.12 EPS · FY ending Dec 31, 2027 · 4 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 4 to 4; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for USCB yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Maintain quarterly dividend of $0.125 per share | USCB keeps paying a steady dividend of $0.125 per share. | Intact | dividend per share falls below $0.12 quarterly | Dividend per share: $0.12 per share FY2026-Q2; GAAP. Published target: >= $0.12 per share quarterly. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 7, 20260.125 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
USCB is a smaller-cap financial business with a growth-oriented thesis, supported by recent loan and net interest income growth. The multi-year view is on watch: overall factors are neutral, risk is moderate, and recent momentum weakened.
The valuation signal is described as justified, with a low fragility rating and a small expectations gap. The evidence does not provide a peer comparison or a clear account of specific market expectations, so how much future growth is assumed remains uncertain.
In the near term, the latest evidence is mixed: an October earnings miss and weaker company momentum offset reported year-over-year loan growth of 9.0% and net interest income growth of 14.2%. Management has maintained the stated quarterly dividend, but future payments remain subject to board review; its growth priorities were newly stated in one supplied transcript, so evidence of sustained execution is limited.
The multi-year thesis hinges on whether loan growth and income gains continue while management maintains disciplined growth. Near term, a guidance cut or Federal Reserve rate cuts are identified as unfavorable risks; continued earnings strength and higher guidance from sector bellwethers are identified as supportive signals.
Over the next one to three years, USCB has evidence of operating growth, but the recent miss, weaker momentum, and limited history for newly stated priorities keep the thesis on watch. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| A primary condition in USCB Financial Holdings, Inc.'s published investment case. The stated target is >= $2.0 per share. |
| Intact |
| EPS falls below $1.8 per share in FY26 |
Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Drive growth through mergers and acquisitions | The bank focuses on growth through mergers and acquisitions. | Under Pressure | no meaningful M&A activity for 12 months | 0 M&A deals in last 12 months vs active strategy target News feed shows only earnings and dividend updates; no M&A activity since 2021. Nov 4, 2026Last status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Improve operating income to at least $11.686 million | It is improving operating income, which rose to $11.686 million in Q1 2026. | Intact | operating income falls below $10.7 million | Operating income: $12.188M FY2026-Q3; GAAP. Published target: >= $11.686 million. The stored target says 2026-Q1; this source reports FY2026-Q3. Fiscal/calendar alignment needs review. Oct 22, 202612,188,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$2.19 → $2.12 · observed estimates
$0.12B → $0.12B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $2.19 | $118,490,000 | 4 / 3 |
| 2026-07-25 | $2.19 | $118,153,330 | 5 / 3 |
| 2026-07-26 | $2.19 | $118,153,330 | 5 / 3 |
| 2026-07-27 | $2.19 | $118,153,330 | 5 / 3 |
| 2026-07-28 | $2.23 | $120,620,000 | 5 / 3 |
| 2026-07-29 | $2.23 | $120,340,000 | 4 / 3 |
| 2026-07-30 | $2.30 | $123,653,330 | 5 / 3 |
| 2026-07-31 | $2.30 | $122,615,000 | 4 / 3 |
| 2026-08-01 | $2.30 | $122,615,000 | 4 / 3 |
| 2026-08-02 | $2.33 | $123,940,000 | 5 / 4 |
| 2026-08-03 | $2.33 | $123,940,000 | 5 / 4 |
| 2026-08-04 | $2.33 | $123,940,000 | 5 / 4 |
| 2026-08-05 | $2.33 | $123,940,000 | 5 / 4 |
| 2026-08-06 | $2.33 | $123,940,000 | 5 / 4 |
| 2026-08-08 | $2.33 | $123,940,000 | 5 / 4 |
| 2026-08-09 | $2.33 | $123,940,000 | 5 / 4 |
| 2026-08-10 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-08-12 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-08-13 | $2.33 | $123,940,000 | 5 / 4 |
| 2026-08-14 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-08-15 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-08-16 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-08-17 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-08-18 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-08-19 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-08-20 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-08-21 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-08-22 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-08-23 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-08-24 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-08-25 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-08-26 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-08-27 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-08-28 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-08-29 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-08-30 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-08-31 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-01 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-02 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-03 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-04 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-05 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-06 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-07 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-08 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-09 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-10 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-11 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-12 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-13 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-14 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-15 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-16 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-17 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-18 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-19 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-20 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-21 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-22 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-23 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-24 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-25 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-26 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-27 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-28 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-29 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-09-30 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-10-01 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-10-02 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-10-03 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-10-04 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-10-05 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-10-06 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-10-07 | $2.33 | $123,940,000 | 4 / 3 |
| 2026-10-08 | $2.32 | $123,940,000 | 4 / 3 |
| 2026-10-09 | $2.32 | $123,940,000 | 4 / 3 |
| 2026-10-10 | $2.32 | $123,940,000 | 4 / 3 |
| 2026-10-11 | $2.32 | $123,940,000 | 4 / 3 |
| 2026-10-12 | $2.32 | $123,940,000 | 4 / 3 |
| 2026-10-13 | $2.32 | $123,940,000 | 4 / 3 |
| 2026-10-14 | $2.32 | $123,940,000 | 4 / 3 |
| 2026-10-15 | $2.32 | $123,940,000 | 4 / 3 |
| 2026-10-16 | $2.32 | $123,940,000 | 4 / 3 |
| 2026-10-17 | $2.32 | $123,940,000 | 4 / 3 |
| 2026-10-18 | $2.32 | $123,940,000 | 4 / 3 |
| 2026-10-19 | $2.32 | $123,940,000 | 4 / 3 |
| 2026-10-20 | $2.32 | $123,940,000 | 4 / 3 |
| 2026-10-21 | $2.32 | $123,940,000 | 4 / 3 |
| 2026-10-22 | $2.32 | $123,940,000 | 4 / 3 |
| 2026-10-23 | $2.32 | $123,940,000 | 4 / 3 |
| 2026-10-24 | $2.29 | $123,115,000 | 4 / 3 |
| 2026-10-25 | $2.29 | $123,115,000 | 4 / 3 |
| 2026-10-26 | $2.29 | $123,115,000 | 4 / 3 |
| 2026-10-27 | $2.29 | $123,115,000 | 4 / 3 |
| 2026-10-28 | $2.18 | $119,077,475 | 4 / 3 |
| 2026-10-29 | $2.18 | $119,077,475 | 4 / 3 |
| 2026-10-30 | $2.18 | $119,077,475 | 4 / 3 |
| 2026-10-31 | $2.18 | $119,077,475 | 4 / 3 |
| 2026-11-01 | $2.18 | $119,077,475 | 4 / 3 |
| 2026-11-02 | $2.18 | $119,077,475 | 4 / 3 |
| 2026-11-03 | $2.12 | $117,227,475 | 4 / 3 |
| 2026-11-04 | $2.12 | $117,227,475 | 4 / 3 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 3 Buy / Strong Buy · 2 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 2 recorded
0 raises · 0 cuts · 0 unchanged · 1 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Review earnings4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.