USCB
US Century Bank
NASDAQ: USCB · FINANCIAL SERVICES · BANKS - REGIONAL
$22.38
-0.62% today
Updated 2026-08-05
Market cap
$403.15M
P/E ratio
14.18
P/S ratio
4.22x
EPS (TTM)
$1.54
Dividend yield
2.04%
52W range
$16 – $24
Volume
0.1M
WallStSmart proprietary scores
64
out of 100
Grade: C+
Hold
Investment rating
8.0
Growth
A4.0
Quality
C7.5
Profitability
B+6.0
Valuation
B3/9
Piotroski F-Score
Weak
-0.9
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →210 stocks currently score above 75
Price targets
Analyst target
$23.85
+6.57%
12-Month target
$18.40
-17.78%
Intrinsic (DCF)
—
Margin of safety
—
2 Strong Buy1 Buy2 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ Profit margin 30.40% — above average
+ Free cash flow $14.96M — positive
+ Revenue growth 14.10% QoQ
Risks
- Piotroski 3/9 — weak financial health
- Altman Z -0.93 — distress zone
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $76.17M | $108.42M | $143.97M | $152.08M | $94.48M |
| Net income | $20.14M | $16.55M | $24.67M | $26.10M | $9.08M |
| EPS | — | — | — | — | $1.54 |
| Free cash flow | $28.86M | $22.38M | $33.78M | $42.50M | $14.96M |
| Profit margin | 26.44% | 15.26% | 17.14% | 17.16% | 30.40% |
Recent insider activity
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-07-06 | GARRIDO, SERGIO E. | Buy | 15,000 | — |
| 2026-06-08 | COLLAZO, ANDRES | Sale | 1,000 | $19.00 |
| 2026-05-21 | DE, LA AGUILERA LUIS | Sale | 49,414 | — |
Peer comparison
Smart narrative
US Century Bank trades at $22.38. representing a P/E of 14.18x trailing earnings. Our Smart Value Score of 64/100 indicates the stock is good. The company scores 3/9 on the Piotroski F-Score. With an Altman Z-Score of -0.93, it sits in the distress. TTM revenue stands at $94.48M. with profit margins at 30.40%.
Frequently asked questions
What is US Century Bank's stock price?
US Century Bank (USCB) trades at $22.38, on a P/E of 14.2x and a P/S of 4.2x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is US Century Bank overvalued?
US Century Bank carries a Smart Value Score of 64/100 (Grade C+), which we rate Hold. That score blends growth, quality, and valuation into one read.
What is the price target of US Century Bank (USCB)?
The 12-month analyst consensus target is $23.85, about 6.6% above the current $22.38. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is US Century Bank's revenue?
US Century Bank's trailing twelve-month revenue is $94.48M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
US Century Bank's Altman Z-Score is -0.93, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio4.22x
ROE12.87%
Beta0.50
50D MA$19.72
200D MA$18.90
Shares out0.02B
Float0.02B
Short ratio—
Avg volume0.1M
Performance
1 week+1.38%
1 month+7.43%
3 months+19.73%
YTD+19.27%
1 year—
3 years—
5 years—