USCB Financial Holdings, Inc. (USCB)

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USCB Financial Holdings, Inc. (USCB) is up 2.1% since the beginning of the year. At $19 per share, USCB is trading 10.7% below its 52-week high of $21.

USCB Financial Holdings, Inc. (USCB) has returned 2.10% so far this year and 17.27% over the past 12 months.

Based on dividend-adjusted daily data since Jul 23, 2021, USCB's average daily return is +0.08%, while the average monthly return is +1.40%. At this rate, an investment would double in approximately 4.2 years.

Historically, 57% of months were positive and 43% were negative. The best month was Nov 2024 with a return of +41.4%, while the worst month was Mar 2023 at -22.2%. The longest winning streak lasted 4 consecutive months, and the longest losing streak was 3 months.

On a daily basis, USCB closed higher 49% of trading days. The best single day was Nov 6, 2024 with a return of +19.2%, while the worst single day was Dec 13, 2021 at -12.2%.

USCB Financial Holdings, Inc. has an annualized alpha of 13.22%, beta of 0.52, and R2 of 0.06 versus S&P 500 Index. Calculated based on daily prices since July 26, 2021.

• This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (63.43%) than losses (49.06%) - typical of diversified or defensive assets.
• Beta of 0.52 may look defensive, but with R2 of 0.06 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
• R2 of 0.06 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

USCB ranks 59 for risk / return — on par with similar stocks. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.

The table below present risk-adjusted performance metrics for USCB Financial Holdings, Inc. (USCB) and compare them to S&P 500 Index.

USCB Financial Holdings, Inc. provided a 2.42% dividend yield over the last twelve months, with an annual payout of $0.45 per share.

The table displays the monthly dividend distributions for USCB Financial Holdings, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the USCB Financial Holdings, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the USCB Financial Holdings, Inc. was 44.24%, occurring on May 2, 2023. Recovery took 309 trading sessions.

The current USCB Financial Holdings, Inc. drawdown is 9.15%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of USCB Financial Holdings, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how USCB Financial Holdings, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.