USCB Cuplikan Saham Harga, kapitalisasi pasar, P/E, EPS, ROE, utang/ekuitas, kisaran 52 minggu

03
Harga $22.55
P/E 13.8
EPS $1.33
ROE 11.6%
Rentang 52M $16–$24

USCB Grafik Harga Saham OHLCV harian dengan indikator teknis — geser, perbesar, dan sesuaikan tampilan Anda

04
rentang
batang

Granularitas batang menyesuaikan dengan periode yang dipilih — arahkan kursor ke bagan untuk melihat buka/tinggi/rendah/tutup untuk sebuah batang.

Kinerja 10 Tahun Tren Pendapatan, laba bersih, margin, dan EPS

06
EPS$1.33
2024-12-31 → 2025-12-31
Arus Kas Bebas$43M
2021-12-31 → 2025-12-31
Margin bersih28.9%
2021-12-31 → 2025-12-31
Valuasi & Rasio 07–12

Valuasi Rasio P/E, P/S, P/B, EV/EBITDA — apakah sahamnya mahal atau murah?

Metrik Tren 5 Tahun USCB rata-rata 5T Median Rekan Kesimpulan
P/E 13.8 · 13.2 Nilai wajar

Median rekan dihitung berdasarkan basis standar per metrik dan mungkin tidak selalu cocok dengan basis TTM/MRQ yang ditampilkan untuk saham ini.

nilai · ≈ rata-rata 5T · median industri · penilaian relatif terhadap median

Dividen Yield, rasio pembayaran, riwayat dividen, CAGR 5 tahun

13
Rasio Pembayaran Dividen30.0%
Pembayaran Tahunan≈$0.50Dibayar triwulanan
Tanggal ex-dividenJumlahMata UangImbal Hasil
Agu 17, 2026$0,13USD≈2.1%
Mei 15, 2026$0,13USD≈2.5%
Feb 17, 2026$0,13USD≈2.1%
Nov 14, 2025$0,10USD≈2.5%
Agu 15, 2025$0,10USD≈2.1%
Mei 15, 2025$0,10USD≈1.7%
Feb 14, 2025$0,10USD≈1.3%
Nov 15, 2024$0,05USD≈1.0%
Agu 15, 2024$0,05USD≈1.0%
Mei 14, 2024$0,05USD≈0.83%
Feb 14, 2024$0,05USD≈0.46%

Riwayat Pendapatan EPS aktual vs perkiraan, kejutan %, tingkat keberhasilan, tanggal pendapatan berikutnya

14
Kejutan Rata-rata 8.2%
Laporan Berikutnya Okt 21, 2026
PeriodeLaporanEPS AktualEPS EstimasiKejutan
30 Juni 2026 Jul 22, 2026 $0.49 $0.50 -1.1%
31 Maret 2026 $0.51 $0.48 5.5%
31 Des. 2025 $0.44 $0.33 33.1%
30 Sep. 2025 $0.47 $0.43 9.7%
30 Juni 2025 $0.40 $0.39 3.2%
31 Maret 2025 $0.38 $0.38 -0.91%

Fundamental Lengkap Semua metrik per tahun — laporan laba rugi, neraca, arus kas

15
Laporan Laba Rugi 10
Metrik Tren 202520242023202220212020
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) 19,425,74619,675,444····
Shares (Diluted) 19,650,81419,831,421····
EBITDA $619.0K$587.0K$590.0K$688.0K$1M·
Neraca 11
Metrik Tren 202520242023202220212020
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
Arus Kas 15
Metrik Tren 202520242023202220212020
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·
Profitabilitas 5
Metrik Tren 202520242023202220212020
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%·
Efisiensi 1
Metrik Tren 202520242023202220212020
Asset Turnover 0.00.00.00.00.0·
Per Saham 3
Metrik Tren 202520242023202220212020
Revenue / Share $4.59·····
Cash Flow / Share $2.18·····
EPS (TTM) $1.33$1.24····
Tingkat Pertumbuhan 8
Metrik Tren 202520242023202220212020
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%·····
Valuasi (TTM) 6
Metrik Tren 202520242023202220212020
Revenue TTM $90M$83M$66M$69M$63M·
Net Income TTM $26M$25M$17M$20M$21M·
P/E 13.814.3····
Earnings Yield 7.2%7.0%····
Payout Ratio 30.0%16.0%··9.8%·
Annual Payout $8M$4M··$2M·

Periode terbaru di sebelah kiri · nilai null ditampilkan sebagai ·

Laporan Keuangan Laporan laba rugi, neraca, arus kas — tahunan, 5 tahun terakhir

16
Metrik 2025-12-312024-12-312023-12-312022-12-312021-12-31
Laba Bersih $26M $25M $17M $20M $21M
EPS Dilusian $1.33 $1.24 · · ·

Pemilik institusional (13F) 96 pengaju · $307.2M total · Per tanggal 30 Juni 2026

17

Institusi yang melaporkan kepemilikan saham ini dalam SEC Form 13F triwulanan mereka. Hanya posisi panjang; satu pengaju dapat muncul dua kali untuk leg opsi terpisah. Kaki put/call offset yang besar biasanya mencerminkan pembuatan pasar atau inventaris yang dilindungi, bukan keyakinan arah.

Pemegang 96
Nilai yang dipegang $307.2M
Posisi baru 7
Posisi yang keluar 4
Aktivitas institusional — Q2 2026 vs kuartal sebelumnya
Posisi baru Posisi yang keluar Meningkat Menurun Perubahan bersih saham
7 (-4 vs Kuartal sebelumnya) 4 (-5 vs Kuartal sebelumnya) 49 (+23 vs Kuartal sebelumnya) 17 (-12 vs Kuartal sebelumnya) +843K

Dibandingkan dengan Q1 2026. Pengajuan Formulir 13F SEC jatuh tempo dalam waktu 45 hari setelah akhir kuartal ditambah kelonggaran singkat untuk pengaju terlambat — kuartal yang masih dalam jangka waktu tersebut dilewati demi pasangan terakhir yang dilaporkan sepenuhnya.

Institusi Nilai Saham % dari 13F yang dilacak Tipe
PATRIOT FINANCIAL PARTNERS GP, LP $74.196.935 4.485.909 24,15% Saham
Patriot Financial Partners GP II, L.P. $36.956.612 1.806.286 12,03% Saham
BlackRock, Inc. $21.929.499 1.071.823 7,14% Saham
ENDEAVOUR CAPITAL ADVISORS INC $21.530.733 1.052.333 7,01% Saham
ALLIANCEBERNSTEIN L.P. $18.058.386 974.023 5,88% Saham
VANGUARD GROUP INC $13.331.751 723.765 4,34% Saham
MENDON CAPITAL ADVISORS CORP $12.230.743 597.788 3,98% Saham
Curi Capital, LLC $11.254.740 550.085 3,66% Saham
WELLINGTON MANAGEMENT GROUP LLP $11.043.878 539.779 3,60% Saham
VANGUARD CAPITAL MANAGEMENT LLC $10.018.607 489.668 3,26% Saham
BASSWOOD CAPITAL MANAGEMENT, L.L.C. $8.938.810 436.892 2,91% Saham
Pacific Ridge Capital Partners, LLC $6.950.016 339.688 2,26% Saham
GEODE CAPITAL MANAGEMENT, LLC $5.782.887 282.557 1,88% Saham
KENNEDY CAPITAL MANAGEMENT LLC $4.897.838 239.386 1,59% Saham
DIMENSIONAL FUND ADVISORS LP $4.639.506 226.776 1,51% Saham
STATE STREET CORP $3.226.174 157.682 1,05% Saham
AMERICAN CENTURY COMPANIES INC $3.177.336 155.295 1,03% Saham
MALTESE CAPITAL MANAGEMENT LLC $2.659.800 130.000 0,87% Saham
Elizabeth Park Capital Advisors, Ltd. $2.262.856 110.599 0,74% Saham
BANC FUNDS CO LLC $1.955.567 95.580 0,64% Saham
RENAISSANCE TECHNOLOGIES LLC $1.882.320 92.000 0,61% Saham
NORTHERN TRUST CORP $1.861.757 90.995 0,61% Saham
VANGUARD PORTFOLIO MANAGEMENT LLC $1.685.843 82.397 0,55% Saham
MORGAN STANLEY $1.635.266 79.925 0,53% Saham
GOLDMAN SACHS GROUP INC $1.450.470 70.893 0,47% Saham
VANGUARD FIDUCIARY TRUST CO $1.347.680 65.869 0,44% Saham
CITADEL ADVISORS LLC $1.327.281 64.872 0,43% Saham
SALZHAUER MICHAEL $1.281.389 62.629 0,42% Saham
Squarepoint Ops LLC $1.214.547 59.362 0,40% Saham
Bank of New York Mellon Corp $1.142.057 55.819 0,37% Saham
BANK OF AMERICA CORP /DE/ $1.122.722 54.874 0,37% Saham
TD Asset Management Inc $1.088.840 53.218 0,35% Saham
HSBC HOLDINGS PLC $1.004.214 49.420 0,33% Saham
Connor, Clark & Lunn Investment Management Ltd. $996.565 48.708 0,32% Saham
AQR CAPITAL MANAGEMENT LLC $993.593 48.563 0,32% Saham
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP $952.004 46.530 0,31% Saham
BARCLAYS PLC $765.592 37.419 0,25% Saham
GABELLI FUNDS LLC $736.560 36.000 0,24% Saham
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $719.435 35.163 0,23% Saham
Daytona Street Capital LLC $698.727 34.728 0,23% Saham
Rosenthal | Henry Capital Advisors, Inc. $659.630 32.240 0,21% Saham
TWO SIGMA INVESTMENTS, LP $639.600 31.261 0,21% Saham
Keeley-Teton Advisors, LLC $629.221 33.902 0,20% Saham
Fiduciary Trust Co $581.351 28.414 0,19% Saham
MILLENNIUM MANAGEMENT LLC $564.942 27.612 0,18% Saham
Nuveen, LLC $405.026 19.796 0,13% Saham
GLOBEFLEX CAPITAL L P $397.722 19.439 0,13% Saham
BRIDGEWAY CAPITAL MANAGEMENT, LLC $345.774 16.900 0,11% Saham
LOS ANGELES CAPITAL MANAGEMENT LLC $345.038 16.864 0,11% Saham
Integrated Quantitative Investments LLC $316.434 15.466 0,10% Saham

Tampilkan semua 96 pemilik institusional →

Aktivis & pemilik 5%+ 2 saham

18

Investor yang mengajukan Jadwal 13D SEC — kepemilikan manfaat di atas 5% dengan niat untuk memengaruhi penerbit (kepemilikan aktivis, kampanye dewan, M&A). Setiap baris menunjukkan status terbaru yang diketahui dari posisi pengaju tersebut.

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.

Orang dalam perusahaan 18 orang dalam · 11 pejabat · 8 direktur

19
Orang Dalam Peran Aktivitas terakhir Saham dimiliki Beli 12m Jual 12m Bersih 12m
Luis De La Aguilera President and CEO 21 Mei 2026 M 242.945 0 12 $-3.499.769
Robert B. Anderson EVP and CFO 8 Maret 2026 F 122.699 0 0 $0
Sergio E. Garrido SVP, Chief Credit Officer 6 Juli 2026 A 25.197 0 0 $0
Andres Collazo EVP, Operations & IT 8 Juni 2026 S 31.521 0 2 $-165.160
Oscar Gomez EVP, Global Banking 8 Maret 2026 F 33.168 0 0 $0
Martha Guerra-Kattou EVP, Sales and Marketing 8 Maret 2026 F 40.638 0 0 $0
Nicholas Bustle EVP and Chief Lending Officer 8 Maret 2026 F 46.919 0 0 $0
William Turner EVP and Chief Credit Officer 27 Jan. 2026 A 10.692 0 0 $0
Maricarmen Logrono EVP and Chief Risk Officer 27 Jan. 2026 A 30.892 0 0 $0
Jalal Shehadeh EVP/General Counsel 8 Maret 2023 A 20.624 0 0 $0
Benigno Pazos EVP & Chief Credit Officer 8 Maret 2023 A 20.920 0 0 $0
Ramon Abadin Direktur 14 Mei 2026 M 24.561 0 2 $-282.023
Aida Levitan Direktur 8 Okt. 2025 G 0 0 0 $0
Ramon A Rodriguez Direktur 16 Sep. 2024 P 12.000 0 0 $0
Robert E. Kafafian Direktur 22 April 2024 A 12.386 0 0 $0
Bernardo B. Fernandez Jr. Direktur 22 April 2024 A 1.940 0 0 $0
Maria C. Alonso Direktur 8 Maret 2023 A 4.157 0 0 $0
HOWARD FEINGLASS Direktur 8 Maret 2023 A 6.314 0 0 $0

Orang dalam dari pengajuan SEC Form 3/4/5; bersih = hanya P/S pasar terbuka

Kepemilikan ETF Dimiliki oleh 20 ETF

20

Bobot mencerminkan kepemilikan ekuitas langsung (N-PORT) saja; dana berbasis leverage atau derivatif mungkin memiliki eksposur swap tambahan yang tidak ditampilkan.

Dana Bobot Unit Per tanggal Sumber
IWC · iShares Trust 0,07% 42.381 SH 11 Sep. 2026 Harian
VTWO · VANGUARD SCOTTSDALE FUNDS 0,01% 70.111 SH 19 Agu 2026 Harian
VTWV · VANGUARD SCOTTSDALE FUNDS 0,01% 6.536 SH 19 Agu 2026 Harian
VTWG · VANGUARD SCOTTSDALE FUNDS 0,01% 4.927 SH 19 Agu 2026 Harian
PKW · Invesco Exchange-Traded Fund Trust 0,01% 7.115 SH 1 Okt. 2026 Harian
IWM · iShares Trust 0,01% 306.765 SH 11 Sep. 2026 Harian
RSSL · Global X Funds 0,01% 5.799 NS 31 Juli 2026 N-PORT
OMFS · Invesco Exchange-Traded Self-Indexe… 0,01% 998 SH 1 Okt. 2026 Harian
IWO · iShares Trust 0,01% 43.934 SH 11 Sep. 2026 Harian
DFAS · Dimensional ETF Trust 0,01% 45.432 NS 31 Juli 2026 N-PORT
DFAT · Dimensional ETF Trust 0,00% 7.739 NS 31 Juli 2026 N-PORT
DFSU · Dimensional ETF Trust 0,00% 1.000 NS 31 Juli 2026 N-PORT
DFAC · Dimensional ETF Trust 0,00% 15.022 NS 31 Juli 2026 N-PORT
DCOR · Dimensional ETF Trust 0,00% 720 NS 31 Juli 2026 N-PORT
DFUS · Dimensional ETF Trust 0,00% 1.039 NS 31 Juli 2026 N-PORT
VXF · VANGUARD INDEX FUNDS 0,00% 107.496 SH 19 Agu 2026 Harian
VTI · VANGUARD INDEX FUNDS 0,00% 370.796 SH 19 Agu 2026 Harian
VTHR · VANGUARD SCOTTSDALE FUNDS 0,00% 823 SH 19 Agu 2026 Harian
DXUV · Dimensional ETF Trust 0,00% 12 NS 31 Juli 2026 N-PORT
IWN · iShares Trust · 91.209 SH 11 Sep. 2026 Harian

USCB Konsensus Analis Opini analis bullish dan bearish, target harga 12 bulan, potensi kenaikan

21
peringkat · 11 analis BELI
Target median $24.00 +6,4%
3 27,3% Beli Kuat
5 45,5% Beli
3 27,3% Tahan
0 0,0% Jual
0 0,0% Jual Kuat

Target Harga 12 Bulan

5 analis · 2026-09-20

Target rata-rata $24.35 +8,0%

Sekarang Harga saat ini $22.55
Rendah$22.50 Rata-rata$24.35 Tinggi$27.00

Perbandingan rekan (sub-industri GICS) Metrik utama vs rekan sektor

22

Dasar FY, harga per penutupan akhir tahun fiskal terakhir setiap perusahaan.

Ticker Kapitalisasi Pasar P/E Pendapatan YoY Margin Bersih ROE Margin Kotor
USCB · 13.8 9.1% 28.9% 11.6% ·
RBKB $134M 13.1 -0.60% 336.6% 7.6% ·
CZWI $171M 12.2 10.2% 23.1% 7.8% ·
LARK · 8.5 16.8% 26.6% 12.2% ·
TFC $62.13B 12.9 53.0% 26.1% 8.2% ·

Berita Terbaru Berita utama terbaru yang menyebutkan perusahaan ini

23

Metrik Saya Daftar pantauan pribadi Anda — baris yang dipilih dari Fundamental Lengkap

26

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Sumber: SEC 10-Q diajukan Agu 7, 2026