USCB Class A USCB Financial Holdings, Inc. - Class A Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 7, 2026
$22.55
· of 52w range
· above low
· to high
$16.3652w low
$23.8952w high
P/E
13.8
EPS
$1.33
your badges
52W Range
$16–$24
Analyst Rating
BUY
Price Target
$24
P/E
13.8
ROE
11.6%
Net Profit Margin
28.9%
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USCB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$22.55
P/E
13.8
EPS
$1.33
ROE
11.6%
52W Range
$16–$24
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10-Year Performance Revenue, net income, margins and EPS trends
EPS$1.332024-12-31 → 2025-12-31
Free Cash Flow$43M2021-12-31 → 2025-12-31
Net margin28.9%2021-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | USCB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 13.8 | · | 13.2 | Fair value |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | USCB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 0.69%5Y avg ≈0.97% | ≈0.97% | · | · | |
| Pretax Margin | 39.8%5Y avg ≈39.1% | ≈39.1% | 34.5% | Top tier | |
| Net Profit Margin | 28.9%5Y avg ≈29.3% | ≈29.3% | 28.1% | Top tier | |
| ROA | 0.97%5Y avg ≈1.0% | ≈1.0% | 0.97% | In line | |
| ROE | 11.6%5Y avg ≈10.7% | ≈10.7% | 8.2% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | USCB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 9.1%5Y avg ≈13.3% | ≈13.3% | · | · | |
| Revenue CAGR 3Y | 9.4%5Y avg ≈9.6% | ≈9.6% | · | · | |
| Revenue CAGR 5Y | 12.7% | · | · | · | |
| EPS YoY | 7.3% | · | · | · | |
| Net Income YoY | 5.8%5Y avg ≈25.5% | ≈25.5% | · | · | |
| Net Income CAGR 3Y | 9.0%5Y avg ≈9.9% | ≈9.9% | · | · | |
| Net Income CAGR 5Y | 19.3% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | USCB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | In line |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Payout Ratio30.0%
Annualized Payout≈$0.50
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 17, 2026 | $0.13 | USD | ≈2.1% |
| May 15, 2026 | $0.13 | USD | ≈2.5% |
| Feb 17, 2026 | $0.13 | USD | ≈2.1% |
| Nov 14, 2025 | $0.10 | USD | ≈2.5% |
| Aug 15, 2025 | $0.10 | USD | ≈2.1% |
| May 15, 2025 | $0.10 | USD | ≈1.7% |
| Feb 14, 2025 | $0.10 | USD | ≈1.3% |
| Nov 15, 2024 | $0.05 | USD | ≈1.0% |
| Aug 15, 2024 | $0.05 | USD | ≈1.0% |
| May 14, 2024 | $0.05 | USD | ≈0.83% |
| Feb 14, 2024 | $0.05 | USD | ≈0.46% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
8.2%
Next Report
Oct 21, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 22, 2026 | $0.49 | $0.50 | -1.1% |
| March 31, 2026 | $0.51 | $0.48 | 5.5% | |
| Dec. 31, 2025 | $0.44 | $0.33 | 33.1% | |
| Sept. 30, 2025 | $0.47 | $0.43 | 9.7% | |
| June 30, 2025 | $0.40 | $0.39 | 3.2% | |
| March 31, 2025 | $0.38 | $0.38 | -0.91% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $42M | $7M | $4M | $9M | |
| Interest Income | $145M | $131M | $101M | $71M | $57M | $53M | |
| Pretax Income | $36M | $32M | $22M | $27M | $28M | $13M | |
| Income Tax | $10M | $8M | $5M | $7M | $7M | $3M | |
| Net Income | $26M | $25M | $17M | $20M | $21M | $11M | |
| EPS (Basic) | $1.34 | $1.25 | · | · | · | · | |
| EPS (Diluted) | $1.33 | $1.24 | · | · | · | · | |
| Shares (Basic) | 19,425,746 | 19,675,444 | · | · | · | · | |
| Shares (Diluted) | 19,650,814 | 19,831,421 | · | · | · | · | |
| EBITDA | $619.0K | $587.0K | $590.0K | $688.0K | $1M | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $38M | $77M | $41M | $54M | $46M | $48M | |
| PP&E (Net) | $4M | $5M | $5M | $5M | $5M | $6M | |
| PP&E (Gross) | $28M | $27M | $27M | $27M | $26M | $27M | |
| Accum. Depreciation | $23M | $23M | $22M | $22M | $21M | $21M | |
| Total Assets | $2.79B | $2.58B | $2.34B | $2.09B | $1.85B | $1.50B | |
| Total Liabilities | $2.57B | $2.37B | $2.15B | $1.90B | $1.65B | $1.33B | |
| Paid-in Capital | $279M | $308M | $305M | $311M | $311M | $178M | |
| Retained Earnings | $-50M | $-68M | $-89M | $-104M | $-124M | $-54M | |
| AOCI | $-30M | $-45M | $-44M | $-45M | $-3M | $5M | |
| Stockholders' Equity | $217M | $215M | $192M | $182M | $204M | $171M | |
| Liabilities + Equity | $2.79B | $2.58B | $2.34B | $2.09B | $1.85B | $1.50B |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| D&A | $619.0K | $587.0K | $590.0K | $688.0K | $1M | $1M | |
| Stock-based Comp | $3M | $2M | $1M | $523.0K | $287.0K | $187.0K | |
| Deferred Tax | $7M | $8M | $5M | $7M | $7M | $3M | |
| Other Non-cash | $6M | $-1M | $-852.0K | $1M | $-7M | · | |
| Operating Cash Flow | $43M | $35M | $23M | $30M | $22M | $13M | |
| CapEx | $303.0K | $314.0K | $163.0K | $673.0K | $633.0K | $347.0K | |
| Investing Cash Flow | $-245M | $-213M | $-273M | $-271M | $-359M | $-179M | |
| Stock Issued | $804.0K | $1M | $75.0K | $102.0K | $40M | $15.0K | |
| Stock Repurchased | $35M | $501.0K | $8M | · | · | · | |
| Net Stock Activity | $-34M | $818.0K | $-8M | $102.0K | $40M | · | |
| Dividends Paid | $8M | $4M | · | · | $2M | $3M | |
| Financing Cash Flow | $164M | $214M | $237M | $249M | $336M | $178M | |
| Net Change in Cash | $-39M | $36M | $-13M | $8M | $-2M | $12M | |
| Free Cash Flow | $43M | $34M | $22M | $29M | $21M | · | |
| Levered FCF | · | · | $-10M | $23M | $18M | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Net Margin | 28.9% | 29.8% | 25.1% | 29.2% | 33.4% | · | |
| Pretax Margin | 39.8% | 39.3% | 33.0% | 39.3% | 43.8% | · | |
| EBITDA Margin | 0.69% | 0.71% | 0.89% | 1.0% | 1.6% | · | |
| ROA | 0.97% | 1.0% | 0.75% | 1.0% | 1.3% | · | |
| ROE | 11.6% | 11.5% | 8.8% | 11.2% | 10.4% | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue / Share | $4.59 | · | · | · | · | · | |
| Cash Flow / Share | $2.18 | · | · | · | · | · | |
| EPS (TTM) | $1.33 | $1.24 | · | · | · | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue YoY | 9.1% | 25.3% | -4.2% | 9.0% | 27.2% | · | |
| Revenue CAGR 3Y | 9.4% | 9.4% | 9.9% | · | · | · | |
| Revenue CAGR 5Y | 12.7% | · | · | · | · | · | |
| EPS YoY | 7.3% | · | · | · | · | · | |
| Net Income YoY | 5.8% | 49.1% | -17.8% | -4.4% | 94.8% | · | |
| Net Income CAGR 3Y | 9.0% | 5.4% | 15.2% | · | · | · | |
| Net Income CAGR 5Y | 19.3% | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 20.2% | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue TTM | $90M | $83M | $66M | $69M | $63M | · | |
| Net Income TTM | $26M | $25M | $17M | $20M | $21M | · | |
| P/E | 13.8 | 14.3 | · | · | · | · | |
| Earnings Yield | 7.2% | 7.0% | · | · | · | · | |
| Payout Ratio | 30.0% | 16.0% | · | · | 9.8% | · | |
| Annual Payout | $8M | $4M | · | · | $2M | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | $15M | $16M | · | $12M | $10M | $6M | $4M | $2M | |
| Interest Income | $40M | $37M | $38M | $38M | $36M | $34M | $34M | $34M | $33M | $31M | $28M | $26M | $24M | $22M | $21M | $18M | |
| Pretax Income | $13M | $12M | $3M | $12M | $11M | $10M | $9M | $9M | $8M | $6M | $4M | $5M | $6M | $8M | $6M | $8M | |
| Income Tax | $4M | $2M | $2M | $3M | $3M | $2M | $2M | $2M | $2M | $1M | $787.0K | $1M | $1M | $2M | $1M | $2M | |
| Net Income | $9M | $9M | $1M | $9M | $8M | $8M | $7M | $7M | $6M | $5M | $3M | $4M | $4M | $6M | $4M | $6M | |
| EPS (Basic) | $0.49 | $0.51 | $0.09 | $0.46 | $0.41 | $0.38 | $0.35 | $0.35 | · | · | · | · | · | · | · | · | |
| EPS (Diluted) | $0.49 | $0.51 | $0.10 | $0.45 | $0.40 | $0.38 | $0.34 | $0.35 | · | · | · | · | · | · | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $118M | $79M | $38M | $57M | $55M | $98M | $77M | $38M | $77M | $127M | $41M | $33M | $87M | $63M | $54M | $73M | |
| PP&E (Net) | $5M | $4M | $4M | $4M | $4M | $4M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | |
| PP&E (Gross) | · | · | $28M | · | · | · | $27M | · | · | · | $27M | · | · | · | $27M | · | |
| Accum. Depreciation | · | · | $23M | · | · | · | $23M | · | · | · | $22M | · | · | · | $22M | · | |
| Total Assets | $3.02B | $2.85B | $2.79B | $2.77B | $2.72B | $2.68B | $2.58B | $2.50B | $2.46B | $2.49B | $2.34B | $2.24B | $2.23B | $2.16B | $2.09B | $2.04B | |
| Total Liabilities | $2.79B | $2.62B | $2.57B | $2.56B | $2.49B | $2.45B | $2.37B | $2.29B | $2.26B | $2.29B | $2.15B | $2.06B | $2.04B | $1.98B | $1.90B | $1.86B | |
| Paid-in Capital | $282M | $279M | $279M | $278M | $309M | $308M | $308M | $306M | $306M | $306M | $305M | $306M | $306M | $306M | $311M | $311M | |
| Retained Earnings | $-36M | $-42M | $-50M | $-49M | $-56M | $-62M | $-68M | $-74M | $-80M | $-85M | $-89M | $-91M | $-95M | $-100M | $-104M | $-109M | |
| AOCI | $-31M | $-31M | $-30M | $-38M | $-42M | $-41M | $-45M | $-38M | $-45M | $-45M | $-44M | $-51M | $-46M | $-42M | $-45M | $-45M | |
| Stockholders' Equity | $233M | $223M | $217M | $209M | $232M | $225M | $215M | $214M | $201M | $195M | $192M | $183M | $184M | $184M | $182M | $177M | |
| Liabilities + Equity | $3.02B | $2.85B | $2.79B | $2.77B | $2.72B | $2.68B | $2.58B | $2.50B | $2.46B | $2.49B | $2.34B | $2.24B | $2.23B | $2.16B | $2.09B | $2.04B |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $874.0K | $889.0K | $749.0K | $774.0K | $774.0K | $708.0K | $1M | $376.0K | $376.0K | $360.0K | $303.0K | $287.0K | $295.0K | $127.0K | $126.0K | $132.0K | |
| Deferred Tax | $2M | $-581.0K | $-758.0K | $2M | $3M | $2M | $2M | $2M | $2M | $1M | $787.0K | $1M | $1M | $2M | $1M | $2M | |
| Operating Cash Flow | $25M | $15M | $-10M | $20M | $18M | $15M | $-3M | $12M | $18M | $8M | $-6M | $8M | $11M | $9M | $-2M | $11M | |
| CapEx | $442.0K | $320.0K | $95.0K | $114.0K | $48.0K | $46.0K | $58.0K | $78.0K | $87.0K | $91.0K | $32.0K | $71.0K | $38.0K | $22.0K | $498.0K | $2.0K | |
| Investing Cash Flow | $-132M | $-15M | $-44M | $-44M | $-86M | $-72M | $-51M | $-75M | $-20M | $-66M | $-83M | $-77M | $-44M | $-69M | $-70M | $-39M | |
| Stock Issued | $2M | $191.0K | $246.0K | $241.0K | $225.0K | $92.0K | $996.0K | $0 | $1.0K | $322.0K | · | · | · | · | $0 | $0 | |
| Stock Repurchased | $0 | $1M | $0 | $34M | $0 | $174.0K | $0 | $121.0K | $301.0K | $79.0K | $970.0K | $0 | $746.0K | $6M | · | · | |
| Net Stock Activity | · | $-810.0K | · | · | · | $-82.0K | · | · | · | $243.0K | · | · | · | $-6M | · | · | |
| Dividends Paid | $2M | $2M | $2M | $2M | $2M | $2M | $890.0K | $1M | $1M | $1M | · | · | · | · | · | · | |
| Financing Cash Flow | $147M | $40M | $35M | $26M | $24M | $78M | $92M | $25M | $-47M | $144M | $96M | $15M | $57M | $69M | $53M | $18M | |
| Net Change in Cash | $39M | $40M | $-18M | $2M | $-43M | $21M | $39M | $-39M | $-49M | $85M | $8M | $-54M | $24M | $9M | $-19M | $-10M | |
| Free Cash Flow | · | $15M | · | · | · | $15M | · | · | · | $8M | · | · | · | $9M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-4M | · | · | · | $4M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 32.5% | 35.7% | · | 35.8% | 33.4% | 33.5% | · | 32.2% | 30.3% | 26.2% | · | 23.6% | 26.2% | 32.1% | · | 29.9% | |
| Pretax Margin | 45.5% | 44.6% | · | 47.3% | 44.0% | 44.2% | · | 42.5% | 39.8% | 34.3% | · | 31.3% | 34.5% | 42.6% | · | 40.5% | |
| ROA | 0.32% | 0.34% | · | 0.34% | 0.31% | 0.30% | · | 0.29% | 0.27% | 0.20% | · | 0.18% | 0.20% | 0.28% | · | 0.55% | |
| ROE | 3.9% | 4.2% | · | 4.2% | 3.8% | 3.6% | · | 3.5% | 3.2% | 2.4% | · | 2.1% | 2.3% | 3.1% | · | 6.3% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend / Share | $0.12 | $0.12 | · | $0.10 | $0.10 | $0.10 | · | $0.05 | · | · | · | · | · | · | · | · | |
| EPS (TTM) | $1.55 | $1.46 | · | $1.57 | $1.47 | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $97M | $94M | · | $95M | $92M | $88M | · | $75M | $70M | $66M | · | $67M | $69M | $71M | · | $69M | |
| Net Income TTM | $29M | $28M | · | $32M | $30M | $28M | · | $20M | $17M | $15M | · | $18M | $20M | $21M | · | $21M | |
| P/E | 13.2 | 12.7 | · | 11.1 | 11.3 | · | · | · | · | · | · | · | · | · | · | · | |
| Earnings Yield | 7.6% | 7.9% | · | 9.0% | 8.9% | · | · | · | · | · | · | · | · | · | · | · | |
| Payout Ratio | · | 24.4% | · | · | · | 26.2% | · | · | · | 22.0% | · | · | · | · | · | · | |
| Annual Payout | $8M | $8M | · | $7M | $6M | $5M | · | · | · | · | · | $2M | $2M | $2M | · | $2M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $26M | $25M | $17M | $20M | $21M |
| Diluted EPS | $1.33 | $1.24 | · | · | · |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $43M | $34M | $22M | $29M | $21M |
Institutional owners (13F) 96 filers · $307.2M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
96
Value held
$307.2M
New positions
7
Exited positions
4
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 7 (-4 vs prior Q) | 4 (-5 vs prior Q) | 49 (+23 vs prior Q) | 17 (-12 vs prior Q) | +843K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| PATRIOT FINANCIAL PARTNERS GP, LP | $74,196,935 | 4,485,909 | 24.15% | Shares |
| Patriot Financial Partners GP II, L.P. | $36,956,612 | 1,806,286 | 12.03% | Shares |
| BlackRock, Inc. | $21,929,499 | 1,071,823 | 7.14% | Shares |
| ENDEAVOUR CAPITAL ADVISORS INC | $21,530,733 | 1,052,333 | 7.01% | Shares |
| ALLIANCEBERNSTEIN L.P. | $18,058,386 | 974,023 | 5.88% | Shares |
| VANGUARD GROUP INC | $13,331,751 | 723,765 | 4.34% | Shares |
| MENDON CAPITAL ADVISORS CORP | $12,230,743 | 597,788 | 3.98% | Shares |
| Curi Capital, LLC | $11,254,740 | 550,085 | 3.66% | Shares |
| WELLINGTON MANAGEMENT GROUP LLP | $11,043,878 | 539,779 | 3.60% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $10,018,607 | 489,668 | 3.26% | Shares |
| BASSWOOD CAPITAL MANAGEMENT, L.L.C. | $8,938,810 | 436,892 | 2.91% | Shares |
| Pacific Ridge Capital Partners, LLC | $6,950,016 | 339,688 | 2.26% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $5,782,887 | 282,557 | 1.88% | Shares |
| KENNEDY CAPITAL MANAGEMENT LLC | $4,897,838 | 239,386 | 1.59% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $4,639,506 | 226,776 | 1.51% | Shares |
| STATE STREET CORP | $3,226,174 | 157,682 | 1.05% | Shares |
| AMERICAN CENTURY COMPANIES INC | $3,177,336 | 155,295 | 1.03% | Shares |
| MALTESE CAPITAL MANAGEMENT LLC | $2,659,800 | 130,000 | 0.87% | Shares |
| Elizabeth Park Capital Advisors, Ltd. | $2,262,856 | 110,599 | 0.74% | Shares |
| BANC FUNDS CO LLC | $1,955,567 | 95,580 | 0.64% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,882,320 | 92,000 | 0.61% | Shares |
| NORTHERN TRUST CORP | $1,861,757 | 90,995 | 0.61% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,685,843 | 82,397 | 0.55% | Shares |
| MORGAN STANLEY | $1,635,266 | 79,925 | 0.53% | Shares |
| GOLDMAN SACHS GROUP INC | $1,450,470 | 70,893 | 0.47% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,347,680 | 65,869 | 0.44% | Shares |
| CITADEL ADVISORS LLC | $1,327,281 | 64,872 | 0.43% | Shares |
| SALZHAUER MICHAEL | $1,281,389 | 62,629 | 0.42% | Shares |
| Squarepoint Ops LLC | $1,214,547 | 59,362 | 0.40% | Shares |
| Bank of New York Mellon Corp | $1,142,057 | 55,819 | 0.37% | Shares |
| BANK OF AMERICA CORP /DE/ | $1,122,722 | 54,874 | 0.37% | Shares |
| TD Asset Management Inc | $1,088,840 | 53,218 | 0.35% | Shares |
| HSBC HOLDINGS PLC | $1,004,214 | 49,420 | 0.33% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $996,565 | 48,708 | 0.32% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $993,593 | 48,563 | 0.32% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $952,004 | 46,530 | 0.31% | Shares |
| BARCLAYS PLC | $765,592 | 37,419 | 0.25% | Shares |
| GABELLI FUNDS LLC | $736,560 | 36,000 | 0.24% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $719,435 | 35,163 | 0.23% | Shares |
| Daytona Street Capital LLC | $698,727 | 34,728 | 0.23% | Shares |
| Rosenthal | Henry Capital Advisors, Inc. | $659,630 | 32,240 | 0.21% | Shares |
| TWO SIGMA INVESTMENTS, LP | $639,600 | 31,261 | 0.21% | Shares |
| Keeley-Teton Advisors, LLC | $629,221 | 33,902 | 0.20% | Shares |
| Fiduciary Trust Co | $581,351 | 28,414 | 0.19% | Shares |
| MILLENNIUM MANAGEMENT LLC | $564,942 | 27,612 | 0.18% | Shares |
| Nuveen, LLC | $405,026 | 19,796 | 0.13% | Shares |
| GLOBEFLEX CAPITAL L P | $397,722 | 19,439 | 0.13% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $345,774 | 16,900 | 0.11% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $345,038 | 16,864 | 0.11% | Shares |
| Integrated Quantitative Investments LLC | $316,434 | 15,466 | 0.10% | Shares |
Activists & 5%+ owners 2 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Patriot Financial Partners II, L.P., Patriot Financial Partners Parallel II, L.P., Patriot Financial Partners GP II, L.P., WYCOFF W KIRK, LUBERT IRA M, LYNCH JAMES J, Patriot Financial Partners GP II, LLC, Deutsch James F., Patriot Financial Manager, L.P., Patriot Financial Manager, LLC ×5 filings | July 16, 2026 | 1.70% | Amendment | · | SEC |
| PRIAM CAPITAL FUND II, LP, PRIAM CAPITAL ASSOCIATES II, LLC, HOWARD FEINGLASS ×2 filings | Sept. 4, 2025 | 20.10% | Amendment | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 18 insiders · 11 officers · 8 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Luis De La Aguilera | President and CEO | May 21, 2026 M | 242,945 | 0 | 12 | $-3,499,769 |
| Robert B. Anderson | EVP and CFO | March 8, 2026 F | 122,699 | 0 | 0 | $0 |
| Sergio E. Garrido | SVP, Chief Credit Officer | July 6, 2026 A | 25,197 | 0 | 0 | $0 |
| Andres Collazo | EVP, Operations & IT | June 8, 2026 S | 31,521 | 0 | 2 | $-165,160 |
| Oscar Gomez | EVP, Global Banking | March 8, 2026 F | 33,168 | 0 | 0 | $0 |
| Martha Guerra-Kattou | EVP, Sales and Marketing | March 8, 2026 F | 40,638 | 0 | 0 | $0 |
| Nicholas Bustle | EVP and Chief Lending Officer | March 8, 2026 F | 46,919 | 0 | 0 | $0 |
| William Turner | EVP and Chief Credit Officer | Jan. 27, 2026 A | 10,692 | 0 | 0 | $0 |
| Maricarmen Logrono | EVP and Chief Risk Officer | Jan. 27, 2026 A | 30,892 | 0 | 0 | $0 |
| Jalal Shehadeh | EVP/General Counsel | March 8, 2023 A | 20,624 | 0 | 0 | $0 |
| Benigno Pazos | EVP & Chief Credit Officer | March 8, 2023 A | 20,920 | 0 | 0 | $0 |
| Ramon Abadin | Director | May 14, 2026 M | 24,561 | 0 | 2 | $-282,023 |
| Aida Levitan | Director | Oct. 8, 2025 G | 0 | 0 | 0 | $0 |
| Ramon A Rodriguez | Director | Sept. 16, 2024 P | 12,000 | 0 | 0 | $0 |
| Robert E. Kafafian | Director | April 22, 2024 A | 12,386 | 0 | 0 | $0 |
| Bernardo B. Fernandez Jr. | Director | April 22, 2024 A | 1,940 | 0 | 0 | $0 |
| Maria C. Alonso | Director | March 8, 2023 A | 4,157 | 0 | 0 | $0 |
| HOWARD FEINGLASS | Director | March 8, 2023 A | 6,314 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 20 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.07% | 42,381 SH | Sept. 11, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 70,111 SH | Aug. 19, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.01% | 6,536 SH | Aug. 19, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.01% | 4,927 SH | Aug. 19, 2026 | Daily |
| PKW · Invesco Exchange-Traded Fund Trust | 0.01% | 7,115 SH | Oct. 1, 2026 | Daily |
| IWM · iShares Trust | 0.01% | 306,765 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 5,799 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 998 SH | Oct. 1, 2026 | Daily |
| IWO · iShares Trust | 0.01% | 43,934 SH | Sept. 11, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.01% | 45,432 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 7,739 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 1,000 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 15,022 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 720 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 1,039 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 107,496 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 370,796 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 823 SH | Aug. 19, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 12 NS | July 31, 2026 | N-PORT |
| IWN · iShares Trust | · | 91,209 SH | Sept. 11, 2026 | Daily |
USCB Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 11 analysts
BUY
Median target
$24.00
+6.4%
3 27.3%
Strong Buy
5 45.5%
Buy
3 27.3%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
5 analysts · 2026-09-20Mean target $24.35 +8.0%
Now
Current price $22.55
Low$22.50
Mean$24.35
High$27.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
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Source: SEC 10-Q filed Aug 7, 2026