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Upturn AI SWOT - About
USCB 
US Century Bank (USCB)
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Upturn Advisory Summary
10/15/2025: USCB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $20.75
1 Year Target Price $20.75
| 0 | Strong Buy |
| 2 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -1.53% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 339.32M USD | Price to earnings Ratio 11.5 | 1Y Target Price 20.75 |
Price to earnings Ratio 11.5 | 1Y Target Price 20.75 | ||
Volume (30-day avg) 5 | Beta 0.6 | 52 Weeks Range 14.22 - 21.44 | Updated Date 10/17/2025 |
52 Weeks Range 14.22 - 21.44 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 1.75% | Basic EPS (TTM) 1.47 |
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 0.42 | Actual - |
Profitability
Profit Margin 33.66% | Operating Margin (TTM) 47.64% |
Management Effectiveness
Return on Assets (TTM) 1.15% | Return on Equity (TTM) 13.71% |
Valuation
Trailing PE 11.5 | Forward PE 11.45 | Enterprise Value 399416704 | Price to Sales(TTM) 3.85 |
Enterprise Value 399416704 | Price to Sales(TTM) 3.85 | ||
Enterprise Value to Revenue 4.96 | Enterprise Value to EBITDA - | Shares Outstanding 20078385 | Shares Floating 16178359 |
Shares Outstanding 20078385 | Shares Floating 16178359 | ||
Percent Insiders 22.61 | Percent Institutions 52.95 |
Upturn AI SWOT
US Century Bank
Company Overview
History and Background
US Century Bank, established in 2002, is a community bank serving businesses and individuals, particularly focusing on the Chinese-American community. It has grown through organic expansion and strategic partnerships.
Core Business Areas
- Commercial Banking: Offers loans, lines of credit, and other financial services to businesses.
- Retail Banking: Provides deposit accounts, personal loans, and other services to individual customers.
- International Banking: Facilitates international trade and transactions for businesses.
Leadership and Structure
Details of the leadership team (CEO, CFO, etc.) and organizational structure are not publicly available without access to private databases. Information is limited since it's not a publicly traded company.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, targeting small to medium-sized businesses. Limited market share data available due to private nature. Competitors: Bank of America, Wells Fargo.
- SBA Loans: Loans guaranteed by the Small Business Administration to support small businesses. Limited market share data available. Competitors: Wells Fargo, JPMorgan Chase.
- Deposit Accounts: Checking and savings accounts for individuals and businesses. Limited market share data available. Competitors: Chase, Citibank
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, and technological disruption.
Positioning
US Century Bank positions itself as a relationship-focused bank with a strong understanding of the Asian-American community, providing personalized services. Their competitive advantage is niche market focus.
Total Addressable Market (TAM)
The TAM for banking services targeting the Asian-American community is estimated to be in the billions of dollars. US Century Bank holds a small but significant position within this niche.
Upturn SWOT Analysis
Strengths
- Strong relationships with the Asian-American community
- Localized market expertise
- Experienced management team
Weaknesses
- Limited brand recognition outside target market
- Smaller scale compared to larger banks
- Concentrated geographic footprint
Opportunities
- Expansion into new Asian-American markets
- Increased adoption of digital banking services
- Strategic partnerships with fintech companies
Threats
- Increased competition from larger banks
- Economic downturn affecting loan demand
- Rising regulatory compliance costs
Competitors and Market Share
Key Competitors
- BAC
- WFC
- JPM
- C
- MTB
Competitive Landscape
US Century Bank faces intense competition from larger national banks, but differentiates itself through its focus on the Asian-American community and personalized service. It's smaller size and brand recognition are disadvantages.
Growth Trajectory and Initiatives
Historical Growth: Growth has been steady, driven by organic expansion and a focus on serving the Asian-American market.
Future Projections: Future growth is expected to continue, with opportunities for expansion into new markets and increased adoption of digital banking.
Recent Initiatives: Recent initiatives likely include investments in technology and expansion of branch network within target markets.
Summary
US Century Bank is a privately held community bank focused on serving the Asian-American market. It has seen steady growth. Its strength lies in its targeted market and customer relationships, but it faces challenges from larger competitors and the need to adapt to changing technology. It needs to keep an eye on the regulations that can affect the industry.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- Market Research
- News Articles
- Publicly Available Information
Disclaimers:
This analysis is based on limited publicly available information and general industry knowledge. The information provided is not financial advice and should not be used as the sole basis for investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About US Century Bank
Exchange NASDAQ | Headquaters Doral, FL, United States | ||
IPO Launch date 2021-07-23 | President, CEO & Chairman Mr. Luis F. de la Aguilera | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 203 | Website https://www.uscentury.com |
Full time employees 203 | Website https://www.uscentury.com | ||
USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various personal and business banking products and services in the United States. The company offers small business administration and yacht lending services; homeowners association services, including deposit collection, lockbox services, payment services, and lending products; jurist advantage and private client group services; correspondent banking services for banks in certain Latin America and the Caribbean countries; and Medical Advantage (MDAvantage), which provides concierge-level banking services to physicians, dentists, and veterinarians. It also provides deposit products, including commercial and consumer checking accounts, money market deposit accounts, savings accounts, and certificates of deposit; treasury, commercial payment, and cash management services; insured cash sweep and certificate of deposit account registry services; and title insurance policies for real estate transactions. The company was founded in 2002 and is headquartered in Doral, Florida.
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