USCB Stock Analysis: Buy, Sell, or Hold?
USCB - USCB Financial Holdings, Inc. Class A Common Stock
$19.59
0.16 (0.80%)
▲
5d:
+3.08%
30d:
+7.58%
90d:
+13.47%
BUY
MODERATE Confidence
Last Updated: February 3, 2026
Earnings: Apr 23, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: USCB shows positive signals but monitor for confirmation. Market pricing in 0.3% decline. Moderate conviction.
💡 BUY OPPORTUNITY: USCB shows positive signals but monitor for confirmation. Market pricing in 0.3% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$28.06
Based on 7.4% avg growth
INTRINSIC VALUE TODAY
$17.43
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: USCB is currently trading at $19.59, which is considered slightly high relative to its 30-day fair value range of $18.54 to $19.71. The stock's valuation (Forward PE: 8.6) is in line with its historical norms (8.7). Remarkably, the market is currently pricing in an annual earnings decline of 0.3% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, USCB is in a strong uptrend. Immediate support is located at $17.79, while resistance sits at $20.79.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $21.62 (+11.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, USCB is in a strong uptrend. Immediate support is located at $17.79, while resistance sits at $20.79.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $21.62 (+11.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Fair Price Range
$18.54 -
$19.71
Company Quality Score
57/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
62.9%
All Signals
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($21.62)
Fair Price Analysis
30-Day Fair Range
$18.54 -
$19.71
Current vs Fair Value
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$17.79
Resistance Level
$20.79
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
8.62
Wall Street Target
$21.63
(+11.3%)
Revenue Growth (YoY)
-20.1%
Earnings Growth (YoY)
-79.2%
Profit Margin
29.7%
Valuation Discount vs History
-0.3% cheaper
PE vs Historical
8.6 vs 8.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.3%
(market-implied from PE analysis)
1-Year Target
$19.37
(0%)
2-Year Target
$19.31
(-1%)
3-Year Target
$19.26
(-1%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$19.44
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 10.9%)
$68.68
(+253%)
Base:
(SPY PE: 8.6, Growth: 10.9%)
$26.54
(+37%)
Bear:
(PE: 7.3, Growth: 10.9%)
$22.55
(+16%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 12.01 | Current EPS (TTM): $1.57
Bull Case
$29.78
(+53%)
Analyst growth 43.6%, PE expands to 13.2
Base Case
$27.07
(+39%)
Market implied 43.6%, PE stable at 12.0
Bear Case
$12.82
(-34%)
Severe decline -20.0%, PE contracts to 10.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.6 to 8.7
Stabilization Target:
$19.62
(+1.0%)
PE Expansion Potential:
+1.0%
Last updated: February 03, 2026 2:54 PM ET
Data refreshes hourly during market hours. Next update: 3:54 PM
Data refreshes hourly during market hours. Next update: 3:54 PM
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Technical Signals Check
Is USCB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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