USCB Financial Holdings, Inc. (USCB) Fair Value 2026

USCB · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.6 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-27, USCB Financial Holdings, Inc. (USCB) trades at $22.29, versus a $35.77 median fair value across its 5 active models — 60.5% above the current price. QOC: 8.6/10. Value Trap Risk: 12/100 (SAFE). 5/13 models active.

Key Facts

Ticker
USCB
Price
$22.29
Quality Score
8.6/10
Value Trap Risk
12/100
Models Active
5/13
Last Updated
Strength: Markov DDM suggests +255.3% upside with 54% confidence
Risk: Limited model coverage (5/13) may reduce confidence

Is USCB Financial Holdings, Inc. (USCB) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, USCB Financial Holdings, Inc. (USCB) appears undervalued as of : the median of 5 independent fair value estimates is $35.77, 60.5% above the current price of $22.29. Estimates range from $14.15 to $79.20. USCB scores 8.6/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. USCB’s +60.5% gap is wider than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy USCB Financial Holdings, Inc. Stock in 2026? →

What Fair Value Does Each Model Give USCB?

5 Intrinsic Value Models vs. Current Price ($22.29)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $38.52 +72.8%
Intrinsic · High Conviction
 $79.20 +255.3%
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What Is USCB's Fair Value Range?

Spread across 5 independent models · $14.15 to $79.20

CirclFi's 5 active models place USCB Financial Holdings, Inc. (USCB) between $14.15 and $79.20 per share, a spread of 182% of the median. The median of that range — $35.77 — is the fair value CirclFi publishes for USCB, against a current price of $22.29.

Low · ML-RIVHigh · Markov DDM
$14.15median $35.77$79.20
Where the range comes from
Most bearish modelML Residual Income$14.15
Most bullish modelMarkov DDM$79.20
Model agreement3 bullish · 2 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for USCB. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on USCB, not a CirclFi price target. How each model works →

What Is USCB Financial Holdings, Inc. (USCB) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, USCB Financial Holdings, Inc.'s intrinsic value is estimated at a median fair value of $35.77. While the stock appears modestly undervalued at $22.29 (implied upside of +60.5%), our analysis suggests a thinner margin of safety across 3 of 5 bullish models. Notably, Markov DDM sees the most upside at +255.3% (fair value: $79.20), while ML-RIV is the most conservative at -36.5% ($14.15). The spread between these extremes — +291.8% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About USCB?

5 of 13 models are currently active for USCB. Of these, 3 models suggest upside while 2 models suggest overvaluation. Taken together, their median fair value for USCB is $35.77 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does USCB Rank in Banks - Regional?

Among 349 Banks - Regional stocks, USCB ranks #41 by Quality of Company score. CirclFi's QOC score of 8.6/10 evaluates 32 fundamental signals. A score of 8.6 places USCB in the top tier.

See all Most Undervalued Banks - Regional Stocks →

Within the Banks - Regional space, USCB Financial Holdings, Inc. competes in an environment where non-performing loan ratio often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is USCB a Value Trap?

CirclFi's Value Trap algorithm assigns USCB a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for USCB Financial Holdings, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, USCB Financial Holdings, Inc. is rated at 8.6/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.

The gap between the most bullish and bearish model spans +291.8% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every USCB valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across USCB's 5 active models, average confidence is 34%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy USCB Financial Holdings, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

FMCBFarmers & Merchants BancorpQOC 8.6HOMBHome BancShares, Inc.QOC 8.6NECBNortheast Community Bancorp, Inc.QOC 8.6PCBPCB BancorpQOC 8.6FMBHFirst Mid Bancshares, Inc.QOC 8.6TCBSTexas Community Bancshares, Inc.QOC 8.6PKBKParke Bancorp, Inc.QOC 8.2FBNCFirst BancorpQOC 7.8BCBPBCB Bancorp, Inc.QOC 7.0ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: FMCB · HOMB · NECB · PCB · FMBH · TCBS · PKBK · FBNC · BCBP · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to USCB?

6 companies across all industries closest to USCB’s Quality of Company score of 8.6/10.

SXIStandex International CorporationQOC 8.6RSGRepublic Services, Inc.QOC 8.6CMCanadian Imperial Bank of CommerceQOC 8.6SOTKSono-Tek CorporationQOC 8.6EXPOExponent, Inc.QOC 8.6NVDANVIDIA CorporationQOC 10.0

Read investment analysis: SXI · RSG · CM · SOTK · EXPO · NVDA

Where Does USCB Sit in CirclFi's Banks - Regional Rankings?

USCB is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About USCB Financial Holdings, Inc.’s Valuation?

What is USCB Financial Holdings, Inc.'s intrinsic value in 2026?

CirclFi puts USCB Financial Holdings, Inc. (USCB)'s intrinsic value at $35.77 — the median of 5 independent model estimates as of 2026-08-27, ranging from $14.15 to $79.20. The Quality of Company score is 8.6/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is USCB overvalued or undervalued right now?

At $22.29, 3 of 5 active models suggest USCB may be undervalued, while 2 indicate potential overvaluation. The median of all 5 fair value estimates is $35.77, 60.5% above the current price of $22.29 — a consensus view that USCB is undervalued. The assessment depends on which methodology best fits USCB Financial Holdings, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 8.6 mean for USCB?

USCB Financial Holdings, Inc.'s QOC of 8.6/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on USCB?

CirclFi analyzes USCB with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on USCB?

Of the 5 models currently active on USCB, Markov DDM is the most bullish at $79.20 per share, and ML Residual Income is the most bearish at $14.15. CirclFi's published fair value for USCB is the median of that range, $35.77, not either extreme. The gap between the two ends equals 182% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is USCB a value trap in 2026?

USCB Financial Holdings, Inc.'s Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, USCB Financial Holdings, Inc. (USCB) has a median fair value of $35.77 — 60.5% above the current price of $22.29 — as of 2026-08-27.” Source: circlfi.com/stock/USCB/ · Methodology
Primary sources for this USCB valuation
  • Financial statements: USCB Financial Holdings, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001901637) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for USCB as of ; valuations recomputed .

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