What is the 13F Pro Quality Score for USCB?

13F Pro ranks USCB FINANCIAL HOLDINGS, INC. (USCB) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View USCB's current score at https://13fpro.ai/company/USCB (free sign-up required for the full ranking).

Where does 13F Pro source USCB data?

All USCB FINANCIAL HOLDINGS, INC. fundamentals and ownership data come directly from SEC EDGAR. USCB FINANCIAL HOLDINGS, INC. files with the SEC under CIK 1901637. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is USCB in?

USCB FINANCIAL HOLDINGS, INC. (USCB) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is USCB research updated on 13F Pro?

USCB's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

USCB FINANCIAL HOLDINGS, INC.(USCB)Stock Analysis

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SEC EDGAR: CIK 1901637 USCB stock profile & AI dashboard →

13F Pro Quality Score

57.8/100

Rank #1,074 of 2,962 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

76.4/100

Profitability

85.5/100

Balance Sheet

42.2/100

Earnings Quality

74.0/100

Free Cash Flow

95.1/100

Institutional Flow

68.2/100

Revenue Scale

15.2/100

Dilution Risk

30.5/100

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Why USCB Scores 58/100

exact factor attribution · 2026-09-11

USCB's composite is driven by profitability and revenue growth, held back by scale and shareholder dilution. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+7.1 pts

86th pct

Revenue growth

+7.0 pts

76th pct

Free cash flow

+6.8 pts

95th pct

Earnings quality

+2.4 pts

74th pct

Earnings growth

+1.7 pts

76th pct

Institutional flow

+1.2 pts

68th pct

Capital efficiency

-1.0 pts

42th pct

Shareholder dilution

-1.3 pts

31th pct

Scale

-7.0 pts

15th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

USCB Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for USCB FINANCIAL HOLDINGS, INC. (USCB), a Financials sector company. 13F Pro's AI-powered ranking engine scores USCB at 57.8/100 on a 32-signal composite quality model, placing it at rank #1,074 of 2,962 stocks — the top half of the AI-ranked universe. USCB scores in the top quartile across free cash flow (95.1), profitability (85.5), revenue growth (76.4). Areas of concern include revenue scale (15.2), which score below median versus the broader universe. Shareholder dilution risk is elevated at 30.5/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), USCB FINANCIAL HOLDINGS, INC. reports quarterly revenue of $27.9M, net income of $9.1M, an operating margin of 45.5%. Top institutional holders of USCB by reported 13-F value include Patriot Financial Partners GP II, L.P., T. Rowe Price Investment Management, BlackRock, based on the most recent SEC filings. USCB trades on the Nasdaq exchange and files with the SEC under CIK 1901637. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate USCB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for USCB FINANCIAL HOLDINGS, INC. directly from SEC EDGAR. USCB FINANCIAL HOLDINGS, INC.'s 13F Pro composite quality score has ranged between 35 and 58 since 2026, currently 57.8 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.

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Fun facts about USCB FINANCIAL HOLDINGS, INC.

Quirks, history, and lore behind USCB — the kind of stuff that makes a stock memorable.

1
The Basics
A U.S. community bank holding company · small-cap · listed on Nasdaq · headquartered in South Florida.
2
The Numbers
Total assets in the roughly $2 billion range — big enough to matter locally, small enough that Wall Street barely notices. Core business is deposit-taking and lending.
3
The History
Founded in the early 2000s, it grew by planting roots in the Miami-Dade and Broward County markets, serving the dense commercial and residential communities of South Florida.
4
The Secret
Its customer base leans heavily toward Spanish-speaking and Latin American-connected clients — a savvy play in one of the most internationally networked banking markets in the U.S.
5
The Lore
Operating as U.S. Century Bank at the branch level, it pitches itself as the community alternative to the megabanks — local decisions, local faces, no runaround from a call center in Ohio.
6
The Giveaway
Its ticker is literally four letters that spell out its initials, its operating bank is called U.S. Century Bank, and it calls Miami home — the clues were hiding in plain sight.

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Revenue

Q2 2026

$27.9M

Net Income

Q2 2026

$9.1M

Free Cash Flow

Q2 2026

$24.2M

Operating Margin

Q2 2026

45.5%

ROIC

Q2 2026

21.8%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+9.1% YoY

$90.2MFY 2025

FY22 $68.9MFY23 $66.0MFY24 $82.7MFY25 $90.2M

Net Income

+5.8% YoY

$26.1MFY 2025

FY22 $20.1MFY23 $16.5MFY24 $24.7MFY25 $26.1M

EPS (Diluted)

+7.3% YoY

$1.33FY 2025

FY22 —FY23 —FY24 $1.24FY25 $1.33

Total Assets

+8.1% YoY

$2.79BFY 2025

FY22 $2.09BFY23 $2.34BFY24 $2.58BFY25 $2.79B

Op. Cash Flow

+22.9% YoY

$42.8MFY 2025

FY22 $29.5MFY23 $22.5MFY24 $34.8MFY25 $42.8M

Free Cash Flow

+23.1% YoY

$42.5MFY 2025

FY22 $28.9MFY23 $22.4MFY24 $34.5MFY25 $42.5M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$90.2M +9.1%	$82.7M +25.3%	$66.0M -4.2%	$68.9M +9.0%	$63.2M +27.2%	$49.7M
Net Income	$26.1M +5.8%	$24.7M +49.1%	$16.5M -17.9%	$20.1M -4.4%	$21.1M +94.8%	$10.8M
EPS (Diluted)	$1.33 +7.3%	$1.24	—	—	—	—
Total Assets	$2.79B +8.1%	$2.58B +10.4%	$2.34B +12.1%	$2.09B +12.5%	$1.85B +23.5%	$1.50B
Operating Cash Flow	$42.8M +22.9%	$34.8M +54.5%	$22.5M -23.7%	$29.5M +33.9%	$22.1M +68.3%	$13.1M
Free Cash Flow	$42.5M +23.1%	$34.5M +54.2%	$22.4M -22.5%	$28.9M +34.8%	$21.4M +67.9%	$12.8M

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Available Research

13F Pro tracks comprehensive data for USCB FINANCIAL HOLDINGS, INC. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of USCB

Patriot Financial Partners GP II, L.P.
$37.0M1,806,286 sh
T. Rowe Price Investment Management, Inc.
$32.1M1,568,820 sh
BlackRock, Inc.
$21.9M1,071,823 sh
ENDEAVOUR CAPITAL ADVISORS INC
$21.5M1,052,333 sh
ALLIANCEBERNSTEIN L.P.
$18.1M974,023 sh
MENDON CAPITAL ADVISORS CORP
$12.2M597,788 sh
RMB Capital Management, LLC
$11.3M550,085 sh
WELLINGTON MANAGEMENT GROUP LLP
$11.0M539,779 sh
VANGUARD CAPITAL MANAGEMENT LLC
$10.0M489,668 sh
BASSWOOD CAPITAL MANAGEMENT, L.L.C.
$8.9M436,892 sh

Fund	Value	Shares
Patriot Financial Partners GP II, L.P.	$37.0M	1,806,286
T. Rowe Price Investment Management, Inc.	$32.1M	1,568,820
BlackRock, Inc.	$21.9M	1,071,823
ENDEAVOUR CAPITAL ADVISORS INC	$21.5M	1,052,333
ALLIANCEBERNSTEIN L.P.	$18.1M	974,023
MENDON CAPITAL ADVISORS CORP	$12.2M	597,788
RMB Capital Management, LLC	$11.3M	550,085
WELLINGTON MANAGEMENT GROUP LLP	$11.0M	539,779
VANGUARD CAPITAL MANAGEMENT LLC	$10.0M	489,668
BASSWOOD CAPITAL MANAGEMENT, L.L.C.	$8.9M	436,892

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Is USCB a good stock to buy?

13F Pro's AI-powered analysis of USCB FINANCIAL HOLDINGS, INC. (USCB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for USCB are available on the USCB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. USCB is classified as a small company.

Which hedge funds own USCB?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling USCB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of USCB FINANCIAL HOLDINGS, INC.'s investment landscape.