USCB Financial Holdings, Inc. (USCB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$19.94+0.50%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · USCB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -10.9% |
| Our one-year growth estimate | diamond | -20.1% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 9.2 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
USCB — earnings miss
Dated 2026-10-22
Results of Operations and Financial Condition. On October 22, 2026, USCB Financial Holdings, Inc. (the “Company”) issued a press release announcing its financial results for the quarter ended September 30, 2026 . A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8- K (“Form 8-K”) and is incorporated herein by reference. The information in this Item 2.02, including Exhibit 99.1 hereto, is being furnished and shall not be deemed “filed” for purposes of Sect…
Why it matters: Management named disciplined growth and loan growth as priorities. Another strong quarter would show that loan growth continues.
Supportive ifQ4 loans held for investment grow at least 8% year over year, near Q3's 9.0% rate.
Worry ifQ4 loans held for investment grow less than 5% year over year or decline from Q3.
Why it matters: Non-performing loans rose to 0.33% from 0.06% a year ago. A further rise could point to more credit stress.
Worry ifA later quarter reports non-performing loans above 0.50% of total loans.
Less concerning ifNon-performing loans return to 0.10% or less of total loans.
Why it matters: Loans grew 9.0%, but deposits fell 0.4% year over year. A return to growth would ease concern about funding loan growth.
Supportive ifA later quarter reports total deposits above the same quarter a year earlier.
Worry ifDeposits fall more than 2% year over year, or decline from Q3's $2.4 billion.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$78 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $240 loss on $10,000 · 2.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,593 loss on $10,000 · 15.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.