OakChart

USCB Financial Holdings Inc

USCBFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 12:28 PM ET

19.96+0.08 (0.42%)
2026-11-11 18:28 CET
Market cap
365.52 USD m
Revenue, TTM
- USD m
Net income, TTM
29.32 USD m
Free cash flow, TTM
42.99 USD m
EPS diluted, TTM
1.58
P/E
12.62
Compare

Price

USCB against its 20, 50 and 200-day averages
2050200missearnings
18.0020.0022.0024.00241K483KMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26USCBclose 19.9620-day 20.6550-day 21.85200-day 20.2819.9652w high

16.4% under the 52-week high of 23.89 on 25 Aug 2026. 52-week low 17.03 on 18 Nov 2025. Last 15 sessions, 19.9% high to low

Profile

USCB
52-week range, 43% of the way up
17.0323.89

USCB Financial Holdings, Inc. engages in banking activities. It offers lending services, credit practices, deposit products, title services, and other banking related services. The company was founded on December 17, 2021 and is headquartered in Doral, FL.

IndexRUT
Employees205
IPOJul 23, 2021
Beta0.49
ATR, 14d0.63
Rel volume0.57
Short float1.87%
Insider own35.49%
Inst own57.13%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap367.04M
Enterprise Value-
Income29.32M
Sales160.65M
Book/sh12.42
Cash/sh-
Dividend Est.0.50 (2.50%)
Dividend TTM0.47 (2.38%)
Dividend Ex-DateNov 16, 2026
Dividend Gr. 3/5Y- -
Payout30.12%
Employees205
IPOJul 23, 2021

Ratios

P/E12.62
Forward P/E9.42
PEG0.76
P/S2.28
P/B1.61
P/C-
P/FCF8.54
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.13
Debt/Eq1.24
LT Debt/Eq0.77
Option/ShortNo / Yes

Earnings

EPS (ttm)1.58
EPS next Y2.12
EPS next Q0.49
EPS this Y18.26%
EPS next Y7.34%
EPS next 5Y12.46%
EPS past 3/5Y9.99% 11.61%
Sales past 3/5Y25.83% 20.96%
EPS Y/Y TTM0.28%
Sales Y/Y TTM2.71%
EPS Q/Q12.82%
Sales Q/Q3.54%
EarningsOct 22 AMC
EPS/Sales Surpr.-8.27% -7.58%

Ownership

Insider Own35.49%
Insider Trans-2.51%
Inst Own57.13%
Inst Trans-3.69%
ROA1.01%
ROE13.37%
ROIC7.21%
Gross Margin-
Oper. Margin24.81%
Profit Margin18.25%
SMA20-3.32%
SMA50-8.63%
SMA200-1.58%
Trades-

Technical

Shs Outstand18.47M
Shs Float11.86M
Short Float1.87%
Short Ratio2.82
Short Interest0.22M
52W High23.89 -16.42%
52W Low17.03 17.22%
Volatility3.60% 3.01%
ATR (14)0.63
RSI (14)36.77
Beta0.49
Rel Volume0.57
Avg Volume78.78K
Volume21,780

Performance

Perf Week0.11%
Perf Month-9.88%
Perf Quarter-11.79%
Perf Half Y9.68%
Perf YTD8.37%
Perf Year11.84%
Perf 3Y82.64%
Perf 5Y30.56%
Perf 10Y-
Recom2.00
Target Price23.25
Prev Close19.88
Price19.96
Change %0.42%

Analyst ratings

latest 8 of 8
DateActionAnalystRating changeTargetImplied
Oct 26, 2026DowngradeRRaymond JamesStrong Buy → Outperform$23+15.2%
Jul 27, 2026ReiteratedHHovde GroupMarket Perform$20 → $22+10.2%
Apr 27, 2026ReiteratedHHovde GroupMarket Perform$19.50 → $20+0.2%
Sep 08, 2025UpgradeRRaymond JamesOutperform → Strong Buy$22+10.2%
Jul 28, 2025UpgradeRRaymond JamesMkt Perform → Outperform$20+0.2%
Apr 02, 2025DowngradeRRaymond JamesOutperform → Mkt Perform
Nov 04, 2024UpgradePPiper SandlerNeutral → Overweight$17 → $20+0.2%
Aug 12, 2024InitiatedHHovde GroupMarket Perform$16-19.9%

Peers

Mkt cap
TickerCompanyMkt cap
AMTBAmerant Bancorp Inc1.18B
BKUBankUnited Inc3.03B
SBCFSeacoast Banking Corp Of Florida3.25B
OPHCOptimumbank Holdings Inc112.72M
CCBGCapital City Bank Group Inc873.91M
BAFNBayFirst Financial Corp188.91M
CBANColony Bankcorp Inc555.89M
SFSTSouthern First Bancshares Inc578.56M
TCBXThird Coast Bancshares Inc661.23M
FCBMFirst Carolina Financial Services Inc417.74M

Insider trading

latest 14 of 48
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Rodriguez Ramon M.DirectorOct 30 '26Buy20.001,00020,0001,000Oct 30 10:24 AM
COLLAZO ANDRESEVP, Operations & ITJun 08 '26Sale19.001,00019,00031,521Jun 08 03:44 PM
Collazo, AndresOfficerMay 27 '26Proposed Sale19.002,00038,000May 27 01:34 PM
DE LA AGUILERA LUISPresident and CEOMay 21 '26Option Exercise12.0549,414595,439292,359May 22 11:35 AM
DE LA AGUILERA LUISPresident and CEOMay 21 '26Sale18.3049,414904,276242,945May 22 11:35 AM
DE LA AGUILERA LUISPresident and CEOMay 20 '26Option Exercise12.0536,826443,753279,771May 21 11:22 AM
DE LA AGUILERA LUISPresident and CEOMay 19 '26Option Exercise12.054,93159,419247,876May 21 11:22 AM
DE LA AGUILERA LUISPresident and CEOMay 20 '26Sale18.1536,826668,392242,945May 21 11:22 AM
DE LA AGUILERA LUISPresident and CEOMay 19 '26Sale18.014,93188,807242,945May 21 11:22 AM
DE LA AGUILERA LUISPresident and CEOMay 18 '26Option Exercise12.052,48529,944245,430May 19 01:53 PM
DE LA AGUILERA LUISPresident and CEOMay 15 '26Option Exercise12.058059,700243,750May 19 01:53 PM
DE LA AGUILERA LUISPresident and CEOMay 18 '26Sale18.062,48544,879242,945May 19 01:53 PM
DE LA AGUILERA LUISPresident and CEOMay 15 '26Sale18.0580514,530242,945May 19 01:53 PM
DE LA AGUILERA LUISPresident and CEOMay 14 '26Option Exercise12.0522,883275,740265,828May 15 10:53 AM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
VXFVanguard Extended Market Index ETFAUM: 30.47B
VTWOVanguard Russell 2000 Index ETFAUM: 16.75B
DFASU.S. Small Cap Portfolio-ETF Class Shares-
IWNiShares Russell 2000 Value ETFAUM: 14.10B
IWOiShares Russell 2000 Growth ETFAUM: 14.06B
IWCiShares Micro-Cap ETFAUM: 1.22B
DFMCU.S. Micro Cap Portfolio ETF Class Shares-

News

latest 14 of 204
  • USCB Financial Posts Record Profit But Misses As Margin, Fees And Credit Soften Beneath The Surface (Earnings Whispers)
  • USCB Financial Holdings, Inc. Reports Third Quarter 2026 Fully Diluted EPS of $0.51, ROAA of 1.27%, and ROAE of 16.03% (GlobeNewswire) -12.13%
  • USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common Stock (GlobeNewswire)
  • USCB Financial Holdings, Inc. to Announce Third Quarter 2026 Results (GlobeNewswire)
  • USCB Financial Holdings Inc (USCB) Q2 2026 Earnings Call Highlights: Surpassing $3 Billion in ... (GuruFocus.com) +6.38%
  • Loading…
  • USCB Financial Holdings, Inc. Surpasses $3 Billion in Assets with 14.6% Annualized Linked-Quarter Loan Growth; Achieves Q2 2026 EPS of $0.49, 3.49% Net Interest Margin, ROAA of 1.26%, and ROAE of 15.90% (GlobeNewswire)
  • USCB Financial Holdings Inc (USCB) Q2 2026: Everything You Need To Know Ahead Of Earnings (GuruFocus.com)
  • USCB Financial Holdings, Inc. Declares Quarterly Cash Dividend on Common Stock (GlobeNewswire)
  • USCB Financial Holdings, Inc. to Announce Second Quarter 2026 Results (GlobeNewswire)
  • USCB Financial Holdings, Inc. Names Sergio Garrido Chief Credit Officer; Announces Retirement of William "Bill" Turner (GlobeNewswire)
  • USCB Financial Holdings, Inc. and U.S. Century Bank Add New Director to Board (GlobeNewswire)
  • USCB Financial Holdings, Inc. Delivers Record Quarter: $0.51 diluted EPS, up 33% over prior year; ROAA 1.34%, ROAE 17.07%, and 22% Year-Over-Year Net Income Growth (GlobeNewswire)
  • USCB Financial Holdings Inc (USCB) Q1 2026: Everything You Need To Know Ahead Of Earnings (GuruFocus.com)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-220.5100.5560.51026.9729.195
2026Q22026-07-230.4900.4860.49027.9526.745
2026Q12026-04-230.4700.4740.50726.1825.955
2025Q42026-01-220.4400.5040.07425.5326.345
2025Q32025-10-230.4500.4200.45324.9925.035
2025Q22025-07-240.4000.3800.40124.4023.725
2025Q12025-04-240.3800.3760.37722.8322.945
2024Q42025-01-230.3400.3650.34222.9922.414
2024Q32024-10-310.3500.3080.35121.5520.755
2024Q22024-07-250.3100.2350.31520.5118.454
2024Q12024-04-250.2300.2080.23417.6217.174
2023Q42024-01-250.1400.2230.13916.5917.254
2023Q32023-10-260.1900.2030.19517.1416.804
2023Q22023-07-270.2100.2430.21416.0217.594
2023Q12023-04-270.2900.2570.29118.0918.193
2022Q42023-01-260.2900.3030.22018.7318.993

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2021FY1.810--6.71863.1960.16
2022FY1.0901.0870.99868.8970.82
2023FY0.8300.9130.84067.8367.18
2024FY1.2301.2631.24482.6682.08
2025FY1.6701.7321.33097.7598.57
2026FY-1.975--108.9
2027FY-2.120--117.23
2028FY-2.375--128.01

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-3040427.8027.5127.97
2026Q4S2026-10-2640328.2927.5129.96
2026Q4S2026-10-2340228.8327.8029.96
2026Q4S2026-10-2240029.6529.0030.00
2026Q4S2026-10-1340029.6529.0030.00
2026Q4S2026-10-0741029.6529.0030.00
2026Q4S2026-07-3044029.6529.0030.00
2026Q4S2026-07-2443029.2128.1930.00
2026Q4S2026-07-0840028.2528.0028.60
2026Q4S2026-04-2440228.2528.0028.60
2026Q4S2026-04-0840028.4528.3728.63
2026Q4S2026-01-2340428.4528.3728.63
2026Q4S2026-01-0743029.5629.2529.80
2026Q4S2025-12-1044029.5629.2529.80

Estimate history

EPS, annual0.767-6.7180.9980.841.2441.3281.582
Period202020212022202320242025TTM
EPS, quarterly0.3510.3420.3770.4010.4530.0740.5070.490.511
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual58.7366.43776.328108.42143.973152.079160.65
Period202020212022202320242025TTM
Sales, quarterly3737.79437.69439.52441.40433.45741.18243.1442.871
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual10.01119.99220.00119.57519.92518.13818.465
Period202020212022202320242025MRQ
Shares, quarterly19.62119.92520.04820.07818.10718.13818.25718.45918.465
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY
Interest Income154.45145.49131.23101.0271.1056.7252.63
Total Interest Expense61.5061.8661.3042.457.444.239.04
Net Interest Income92.9483.6369.9458.5763.6652.5043.60
Loan Loss Provision2.602.303.162.372.50-0.163.25
Net Interest Income After Loan Loss Provision90.3481.3366.7856.2061.1752.6640.35
Non-Interest Income6.206.5912.747.405.239.716.10
Non-Interest Expense56.6852.0147.0441.8139.3135.6833.04
Operating Income39.8635.9232.4821.8027.0926.6913.41
Unusual Expense0.000.000.000.000.000.000.00
Net Income Before Taxes39.8635.9232.4821.8027.0927.6813.41
Income Taxes10.549.827.805.256.946.602.59
Consolidated Net Income29.3226.1024.6716.5520.1421.0810.82
Net Income From Continuing Operations29.3226.1024.6716.5520.1421.0810.82
Net Income29.3226.1024.6716.5520.14-70.587.69
EPS (Recurring)-1.331.240.841.00-6.720.77
EPS (Basic, Before Extraordinaries)1.601.341.250.841.01-6.720.77
EPS (Diluted)1.581.331.240.841.00-6.720.77
Non-Operating Income (Expense)0.000.000.000.000.000.980.00
Other After Tax Adjustments0.000.000.000.000.000.000.00
Stock Option Compensation Expense2.662.371.680.800.390.220.14
Price To Earnings Ratio12.5712.5717.0913.3211.33--
Price To Sales Ratio2.542.382.442.223.222.22-
Operating Margin24.8123.6222.5620.1035.4940.1822.83
Net Margin18.2517.1617.1415.2626.39-106.2413.10
Shares Outstanding18.4718.1419.9219.5820.0019.9910.01
Market Capitalization365.52365.52352.17239.39244.01141.75140.89

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income40.2039.5837.0337.6337.7236.1533.9834.17
Total Interest Expense15.9015.1914.9815.4316.4515.1214.8614.81
Net Interest Income24.3024.3922.0522.2121.2721.0319.1119.36
Loan Loss Provision0.051.270.800.480.101.030.681.03
Net Interest Income After Loan Loss Provision24.2523.1221.2521.7321.1720.0018.4318.33
Non-Interest Income2.673.564.15-4.183.683.373.723.63
Non-Interest Expense14.7313.9713.7114.2813.0512.6312.0512.85
Operating Income12.1912.7111.693.2711.8010.7410.109.10
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes12.1912.7111.693.2711.8010.7410.109.10
Income Taxes2.663.642.331.912.872.602.442.20
Consolidated Net Income9.539.089.351.368.948.147.666.90
Net Income From Continuing Operations9.539.089.351.368.948.147.666.90
Net Income9.539.089.351.368.948.147.666.90
EPS (Recurring)0.510.490.51-0.450.400.380.34
EPS (Basic, Before Extraordinaries)0.520.490.510.080.460.410.380.35
EPS (Diluted)0.510.490.510.070.450.400.380.34
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.670.690.700.590.610.610.560.80
Price To Earnings Ratio12.5714.2614.2111.7111.8711.9514.9517.09
Price To Sales Ratio2.542.382.202.222.202.212.542.49
Operating Margin28.4329.4728.389.7928.5127.1726.7924.08
Net Margin22.2221.0422.714.0721.5920.6020.3218.27
Shares Outstanding18.4718.4618.2618.1418.1120.0820.0519.92
Market Capitalization365.52373.68338.48333.59350.37331.60372.18352.17

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY
Cash & Due from Banks6.036.998.026.616.489.83
Investments512.97511.53447.50474.30567.49375.44
Net Loans2,163.761,948.781,759.741,489.851,175.021,023.42
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.00
Net Property, Plant & Equipment9.7713.0116.2619.6619.4620.86
Interest Receivables11.6610.9510.697.555.975.55
Deferred Tax Assets21.1334.0341.0746.2538.6544.39
Other Intangible Assets69.3160.3159.6045.5244.5927.49
Total Assets2,794.632,585.602,342.892,089.721,857.661,506.98
Total Deposits2,345.082,174.001,937.141,829.281,590.381,273.40
Total Debt203.07171.45194.4260.4050.1950.51
Long Term Debt53.44155.45194.4257.2447.3550.51
Provision for Risks Charges0.180.200.000.000.000.00
Deferred Tax Liabilities3.094.383.793.893.725.23
Other Liabilities26.0320.1715.5613.739.486.83
Total Liabilities2,577.442,370.212,150.921,907.291,653.761,335.97
Preferred Stock - Carrying Value0.000.000.000.000.0032.08
Common Equity217.18215.39191.97182.43203.90138.92
Total Shareholders Equity217.18215.39191.97182.43203.90171.00
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity217.18215.39191.97182.43203.90171.00
Total Liabilities & Stockholders Equity2,794.632,585.602,342.892,089.721,857.661,506.98
Book Value Per Share11.9710.819.819.1210.2013.88
Tangible Book Value Per Share11.9710.819.819.1210.2013.88
Tier 1 Capital273.34241.74211.65198.91171.48-
Tier 2 Capital26.2524.6521.4617.7815.25-
Full-Time Employees205199196191187179
Price to Book Ratio1.601.631.311.381.371.00
Return on Assets0.971.000.751.021.25-
Return on Equity12.0712.118.8410.4311.24-
Return on Invested Capital9.646.654.288.408.394.88
Current Ratio0.040.150.030.040.060.11

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY
Funds from Operations40.8143.8336.7123.7130.3022.1013.83
Extraordinary Item0.000.000.000.000.000.000.00
Changes in Working Capital3.11-1.03-1.87-1.16-0.77-0.05-0.73
Cash from Operating Activities43.9242.8034.8422.5529.5422.0513.10
Capital Expenditures-0.93-4.30-0.31-0.16-0.67-0.63-0.35
Net Assets From Acquisitions0.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.000.00
Purchase or Sale of Investments-8.89-23.05-20.4113.7545.79-198.28-148.24
Purchase of Investments-146.53-139.84-85.67-127.17-67.85-316.68-253.99
Sale Or Maturity of Investments137.64116.8065.26140.91113.64118.41105.75
Other Uses0.000.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.000.00
Cash from Investing Activities-212.86-245.41-212.61-266.16-270.60-359.36-178.78
Cash Dividends Paid-8.70-7.83-3.940.000.00-2.08-3.13
Change in Capital Stock1.82-33.750.82-7.510.1020.910.01
Repurchase of Common Pref Stock-1.00-34.55-0.50-7.580.00-18.920.00
Sale of Common Pref Stock2.820.801.320.070.1039.830.01
Proceedsfrom Stock Options2.820.801.320.070.1039.830.01
Issuance or Reduction of Debt, Net221.0434.55-20.000.0010.000.00-75.00
Change in Long Term Debt221.0434.55-20.000.0010.000.00-75.00
Issuance of Long Term Debt925.29376.05227.000.00126.000.0079.00
Reduction of Long Term Debt-704.25-341.50-247.000.00-116.000.00-154.00
Net Financing Active Other Cash Flow0.000.000.00137.000.000.000.00
Other Financing Activities Uses----392.35-0.00-
Cash from Financing Activities204.86164.05213.74237.35249.00335.81177.67
Net Change in Cash35.92-38.5635.97-13.117.94-1.5111.99
Free Cash Flow42.9942.5034.5222.3828.8621.4212.76
Preferred Dividends (Cash Flow)-0.000.000.000.00--
Price to Free Cash Flow11.8810.4411.5110.778.537.61-
Federal Home Loan Advances Increase (Decrease)-0.060.77-7.27-0.780.613.05

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks8.137.896.606.039.998.39
Investments586.04599.35504.08512.97539.78506.89
Net Loans2,295.082,295.682,214.952,163.762,106.002,088.39
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment16.9317.299.169.7710.6011.40
Interest Receivables12.4611.6711.7711.6612.1311.29
Deferred Tax Assets26.6217.5122.8821.1323.1827.61
Other Intangible Assets71.1470.3079.5369.3169.9969.46
Total Assets3,016.393,019.702,848.962,794.632,771.672,723.42
Total Deposits2,446.322,452.272,493.582,345.082,455.612,335.66
Total Debt283.79292.9097.09203.0756.54115.05
Long Term Debt177.29180.9055.0953.4456.54109.05
Provision for Risks Charges0.580.960.200.180.080.14
Deferred Tax Liabilities4.91-3.233.093.733.95
Other Liabilities51.4340.3331.6126.0346.6137.04
Total Liabilities2,787.032,786.462,625.722,577.442,562.582,491.84
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity229.36233.24223.25217.18209.09231.58
Total Shareholders Equity229.36233.24223.25217.18209.09231.58
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity229.36233.24223.25217.18209.09231.58
Total Liabilities & Stockholders Equity3,016.393,019.702,848.962,794.632,771.672,723.42
Book Value Per Share12.4212.6412.2311.9711.5511.53
Tangible Book Value Per Share12.4212.6412.2311.9711.5511.53
Tier 1 Capital265.95257.95282.35273.34273.38262.18
Tier 2 Capital67.4767.4127.0626.2525.7725.66
Full-Time Employees---205--
Price to Book Ratio1.601.671.551.601.511.47
Return on Assets1.011.001.010.971.201.14
Return on Equity13.3712.3612.4012.0714.9613.71
Return on Invested Capital2.342.193.360.503.372.39
Current Ratio0.130.170.130.040.110.10

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations9.9512.3110.058.5012.4111.85
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital4.0512.345.23-18.517.746.19
Cash from Operating Activities14.0124.6515.28-10.0120.1518.04
Capital Expenditures-0.07-0.44-0.32-0.10-0.11-0.05
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments-22.52-41.1032.5822.16-30.63-7.51
Purchase of Investments-33.09-61.45-13.63-38.35-69.81-17.55
Sale Or Maturity of Investments10.5720.3546.2160.5139.1810.05
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities-22.27-132.13-14.95-43.51-44.22-85.52
Cash Dividends Paid-2.31-2.29-2.28-1.81-2.01-2.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock0.002.38-0.810.25-34.140.23
Repurchase of Common Pref Stock0.000.00-1.000.00-34.380.00
Sale of Common Pref Stock0.002.380.190.250.240.23
Proceedsfrom Stock Options0.002.380.190.250.240.23
Issuance or Reduction of Debt, Net-8.90187.90-105.25147.29-57.740.00
Change in Long Term Debt-8.90187.90-105.25147.29-57.740.00
Issuance of Long Term Debt257.00406.5042.00219.7939.26117.00
Reduction of Long Term Debt-265.90-218.60-147.25-72.50-97.00-117.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Cash from Financing Activities-17.16146.6840.1635.1926.0724.31
Net Change in Cash-25.4339.1940.49-18.331.99-43.16
Free Cash Flow13.9424.2114.96-10.1120.0317.99
Price to Free Cash Flow11.889.319.849.758.099.68

Revenue breakdown

State Commercial Banks2024: 82.68M 2025: 90.22M
United States2024: 82.68M 2025: 90.22M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-301.86%0.2M11.9M74.04K
2026-10-152.06%0.2M11.9M68.12K
2026-09-302.28%0.3M11.9M64.74K
2026-09-152.13%0.3M11.9M64.55K
2026-08-312.33%0.3M11.8M56.33K
2026-08-142.31%0.3M11.8M54.51K
2026-07-311.94%0.2M11.7M65.41K
2026-07-151.70%0.2M13.2M61.66K
2026-06-302.00%0.2M11.7M63.63K
2026-06-151.38%0.2M11.7M53.37K
2026-05-291.20%0.1M11.7M55.04K
2026-05-151.20%0.1M11.7M54.52K
2026-04-301.23%0.1M11.7M48.86K
2026-04-151.13%0.1M11.7M49.88K
2026-03-311.03%0.1M11.6M48.14K
2026-03-130.95%0.1M11.6M48.34K
2026-02-270.83%0.1M11.5M48.76K
2026-02-130.73%0.1M11.5M45.60K
2026-01-300.61%0.1M11.5M40.14K
2026-01-150.95%0.1M11.6M36.07K

Option chain

expiry 2026-11-11
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
No option chain for this symbol.

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-304/A2026-10-30SEC
2026-10-304Statement of changes in beneficial ownership of securities2026-10-28SEC
2026-10-304Statement of changes in beneficial ownership of securities2026-10-28SEC
2026-10-304Statement of changes in beneficial ownership of securities2026-10-28SEC
2026-10-304Statement of changes in beneficial ownership of securities2026-10-28SEC
2026-10-304Statement of changes in beneficial ownership of securities2026-10-30SEC
2026-10-228-KCurrent report2026-10-22SEC
2026-10-198-KCurrent report2026-10-19SEC
2026-08-14SCHEDULE 13G/ASEC
2026-08-0710-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-288-KCurrent report2026-07-28SEC
2026-07-238-KCurrent report2026-07-23SEC
2026-07-208-KCurrent report2026-07-20SEC
2026-07-17SCHEDULE 13GSEC
2026-07-16SCHEDULE 13D/ASEC
2026-07-094Statement of changes in beneficial ownership of securities2026-07-06SEC
2026-07-083Initial statement of beneficial ownership of securities2026-07-06SEC
2026-06-084Statement of changes in beneficial ownership of securities2026-06-08SEC
2026-06-033Initial statement of beneficial ownership of securities2026-05-26SEC
2026-06-018-KCurrent report2026-06-01SEC
2026-05-27144Filing for proposed sale of securities under Rule 144.SEC
2026-05-278-KCurrent report2026-05-26SEC
2026-05-224Statement of changes in beneficial ownership of securities2026-05-21SEC
2026-05-214Statement of changes in beneficial ownership of securities2026-05-19SEC
2026-05-194Statement of changes in beneficial ownership of securities2026-05-15SEC
2026-05-154Statement of changes in beneficial ownership of securities2026-05-13SEC
2026-05-154Statement of changes in beneficial ownership of securities2026-05-14SEC
2026-05-144Statement of changes in beneficial ownership of securities2026-05-13SEC
2026-05-14144Filing for proposed sale of securities under Rule 144.SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-1020.00K100
2026-090000
2026-080000
2026-070000
2026-060019.00K1
2026-05003.84M14
2026-0400677.65K1
2026-0300146.16K1
2026-020000
2026-0100180.20K1
2025-12002.51M3
2025-1100791.71K2

Institutional holders

Manager% owned
Patriot Financial Partners GP II, L.P.9.89%
T. Rowe Price Investment Management, Inc.8.59%
BlackRock, Inc.5.87%
ALLIANCEBERNSTEIN L.P.5.33%
ENDEAVOUR CAPITAL ADVISORS INC3.97%
MENDON CAPITAL ADVISORS CORP3.27%
Curi Capital, LLC3.01%
WELLINGTON MANAGEMENT GROUP LLP2.96%
VANGUARD CAPITAL MANAGEMENT LLC2.68%
BASSWOOD CAPITAL MANAGEMENT, L.L.C.2.39%

Funds

Fund% owned
Angel Oak Financial Strategies Income Term Trust21.90%
T. Rowe Price Small-Cap Stock Fund, Inc.3.88%
RMB Mendon Financial Services Fund3.01%
VANGUARD TOTAL STOCK MARKET INDEX FUND2.03%
T. Rowe Price Institutional Small-Cap Stock Fund2.03%
iShares Russell 2000 ETF1.71%
Avantis U.S. Small Cap Value ETF1.13%
Adara Smaller Companies Fund0.72%
Fidelity Small Cap Index Fund0.72%
VANGUARD EXTENDED MARKET INDEX FUND0.55%

OakChart. USCB. Cached 15 minutes.