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Uscb Financial Holdings, Inc. Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest, by RODRIGUEZ RAMON A, was filed 17 Sept 2024.
Uscb Financial Holdings, Inc.: what insiders have been doing
Uscb Financial Holdings, Inc. is a Finance & Banking company. Its directors and officers file their transactions with SEC (Form 4). From 22 October 2025 to 22 October 2026, the disclosure feed for Uscb Financial Holdings, Inc. logged 66 filings by 12 insiders.
Only sales appear on the open market, 17 sales in all totalling €6.3M, filed by 4 insiders. The largest single trade was a sale of €1.3M by Wycoff W Kirk, published on 11 December 2025.
Between a trade and the moment it shows up on SEC (Form 4), the median delay is 2 days. US insiders must file a Form 4 within two business days of a trade. A sale on its own says little: insiders also sell to pay tax, fund a purchase or diversify.
Compared with its exchange (3,171 companies, median 24 filings), a count of 66 filings is above the norm. The full history, which starts in 2022, counts 35 purchases against 21 sales. In its latest annual report filed with the SEC (10-K, fiscal year ended 31 December 2025), the company reported net income of 26.1 m USD.
Every figure here comes from the filings published by SEC (Form 4) and describes the past, not future prices; it is not investment advice.
Insider Decl.
174
Thresholds
n/a
Buy Volume
€2M
35 ops. · all time
Sell Volume
€7M
21 ops. · all time
Who traded when
BuySaleLuis de la Aguilera8 sales
W. Kirk Wycoff7 sales
Andres Collazo2 sales
Ramon Abadin2 sales
Martha Guerra-Kattou1 sale
Since the insiders bought
- +12.9%Entry US$15.41 · Close at T+365 US$17.40
- +38.5%Entry US$12.09 · Close at T+365 US$16.74
- +57.8%Entry US$11.28 · Close at T+365 US$17.80
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
Analyst consensus: bullish or bearish?
Analysts rate Uscb Financial Holdings, Inc. Buy (bullish), based on 5 analysts. Average price target: US$24.35.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 1,315 of 26,286 companies
78.9
score / 100
Value76
Quality82
FCF yld10%
Earn yld6.3%
EV/EBITDA·
ROE12%
Gross mgn·
Net mgn29%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$22.29
Analyst consensus
5 analystsBuy
US$22.50Target US$24.35(+9%)US$27.00
Income statement
RevenueUS$90.2M
Net incomeUS$26.1M30.4% margin
Valuation
PER (trailing)14.3x
PER (forward)9.6x
P/Book1.8x
Beta0.44
Balance sheet & cash
Market capUS$411.8M
Total debtUS$203.1M
Free Cash FlowUS$42.5M
Profitability & ownership
ROE12.4%
ROA1.0%
% insiders32.6%
% institutions61.6%
Last declaration on 9 July 2026
Declarations174 total
15,000 shares0Class A Voting Common StockSEC:0001437749-26-023187:0
1,000 shares@ US$19.0013.8% of flowClass A Voting Common StockSEC:0001437749-26-019824:0
49,414 shares@ US$18.300.24% mcap18.9% of flowClass A Voting Common StockSEC:0001437749-26-018202:1
49,414 shares@ US$12.050.16% mcap12.5% of flowClass A Voting Common StockSEC:0001437749-26-018202:0
36,826 shares@ US$18.150.18% mcap14.0% of flowClass A Voting Common StockSEC:0001437749-26-018010:3
4,931 shares@ US$12.050.016% mcap1.2% of flowClass A Voting Common StockSEC:0001437749-26-018010:0
4,931 shares@ US$18.010.023% mcap1.9% of flowClass A Voting Common StockSEC:0001437749-26-018010:1
36,826 shares@ US$12.050.12% mcap9.3% of flowClass A Voting Common StockSEC:0001437749-26-018010:2
19,947 shares@ US$18.060.094% mcap7.5% of flowClass A Voting Common StockSEC:0001437749-26-017258:1
22,883 shares@ US$12.050.072% mcap5.7% of flowClass A Voting Common StockSEC:0001437749-26-017258:2
22,883 shares@ US$18.200.11% mcap8.7% of flowClass A Voting Common StockSEC:0001437749-26-017258:3
4,000 shares@ US$11.350.012% mcap7.3% of flowClass A Voting Common StockSEC:0001437749-26-017239:1
9,000 shares@ US$18.210.043% mcap26.4% of flowClass A Voting Common StockSEC:0001437749-26-017239:2
19,947 shares@ US$12.050.063% mcap5.0% of flowClass A Voting Common StockSEC:0001437749-26-017258:0
5,000 shares@ US$7.500.0098% mcap6.0% of flowClass A Voting Common StockSEC:0001437749-26-017239:0
6,552 shares@ US$18.030.031% mcap19.0% of flowClass A Voting Common StockSEC:0001437749-26-016905:0
37,152 shares@ US$18.240.18% mcap1.5% of flowClass A Voting Common StockSEC:0001437749-26-014514:0
12,848 shares@ US$18.280.062% mcap0.5% of flowClass A Voting Common StockSEC:0001437749-26-014514:1
15,000 shares0Class A Voting Common StockSEC:0001437749-26-009701:0
8,000 shares@ US$18.2750.0% of flowClass A Voting Common StockSEC:0001437749-26-007534:1
429 shares@ US$18.452.7% of flowClass A Voting Common StockSEC:0001437749-26-007534:2
197 shares@ US$18.4511.0% of flowClass A Voting Common StockSEC:0001437749-26-007539:0
401 shares@ US$18.456.4% of flowClass A Voting Common StockSEC:0001437749-26-007537:0
441 shares@ US$18.4512.0% of flowClass A Voting Common StockSEC:0001437749-26-007535:0
497 shares@ US$18.458.0% of flowClass A Voting Common StockSEC:0001437749-26-007531:0
25 of 174 declarations
About Uscb Financial Holdings, Inc.
USCB Financial Holdings, Inc. is a U.S.-based bank holding company listed on the NASDAQ market in the United States. The company’s operating model is centered on its wholly owned subsidiary, U.S. Century Bank, and it focuses on community and relationship banking for individuals, entrepreneurs, and small-to-medium-sized businesses, with a particularly strong footprint in South Florida. SEC filings indicate that USCB Financial Holdings was formed in December 2021 to serve as the holding company for the bank, and the group is headquartered in Miami, Florida, within the Miami metropolitan area, with its banking presence concentrated in Doral and surrounding South Florida communities. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1901637/000156276225000043/uscb-20241231.htm?utm_source=openai))
From a business-line perspective, USCB offers a traditional but well-defined regional banking franchise: deposits, savings and money market accounts, commercial real estate and commercial-and-industrial lending, residential lending, consumer products, treasury-related services, and other everyday banking solutions for local clients. The bank operates ten banking centers in South Florida and uses that local network to serve a customer base that is deeply tied to the regional economy. That geographic concentration is both a strength and a risk: it supports strong local relationships and market knowledge, but it also makes the franchise more sensitive to conditions in the Florida real estate and business environment. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1901637/000119312526006001/d798230ds4a.htm?utm_source=openai))
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In competitive terms, USCB is best viewed as a niche regional bank rather than a large national institution. Its competitive advantage comes from its South Florida specialization, where population growth, business formation, trade, and property-related demand can support loan growth and deposit gathering. The company reported consolidated assets of about $2.6 billion at the end of 2024, and its earnings profile is primarily driven by net interest income. Its deposit base and loan portfolio expanded over 2024, indicating continued franchise development and balance-sheet growth. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1901637/000119312526006001/d798230ds4a.htm?utm_source=openai))
Recent developments have highlighted a more active capital-return strategy. In 2025, USCB announced a regular quarterly cash dividend of $0.10 per share, and the company also repurchased 2.0 million Class A shares in privately negotiated transactions for roughly $34.4 million. Later in 2025, management disclosed the sale of $44.6 million of available-for-sale securities as part of a strategy to improve future earnings, drive EPS growth, and enhance profitability. Taken together, these actions suggest a management team that is balancing conservative regional banking with a more shareholder-friendly capital allocation approach. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1901637/000092708925000116/ex_839777.htm?utm_source=openai))
