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Upturn AI SWOT - About
US Century Bank (USCB)
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Upturn Advisory Summary
08/14/2025: 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 $20.05
1 Year Target Price $20.05
| 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 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 348.96M USD | Price to earnings Ratio 11.82 | 1Y Target Price 20.05 |
Price to earnings Ratio 11.82 | 1Y Target Price 20.05 | ||
Volume (30-day avg) 5 | Beta 0.61 | 52 Weeks Range 13.58 - 21.44 | Updated Date 08/15/2025 |
52 Weeks Range 13.58 - 21.44 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 1.70% | Basic EPS (TTM) 1.47 |
Earnings Date
Report Date 2025-07-24 | When After Market | Estimate 0.38 | Actual 0.4 |
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 11.82 | Forward PE 11.45 | Enterprise Value 409054336 | Price to Sales(TTM) 3.96 |
Enterprise Value 409054336 | Price to Sales(TTM) 3.96 | ||
Enterprise Value to Revenue 5.06 | Enterprise Value to EBITDA - | Shares Outstanding 20078400 | Shares Floating 13701490 |
Shares Outstanding 20078400 | Shares Floating 13701490 | ||
Percent Insiders 25.05 | Percent Institutions 64.98 |
Upturn AI SWOT
US Century Bank
Company Overview
History and Background
US Century Bank was founded in 2002. It aimed to serve the Chinese-American community in South Florida, with a focus on small and medium-sized businesses. Over time, it expanded its services and geographic reach.
Core Business Areas
- Commercial Banking: Offers a range of commercial loan products, deposit accounts, and treasury management services tailored to businesses.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, and personal loans.
- International Banking: Facilitates international trade and financial transactions for businesses and individuals.
- SBA Lending: Offers Small Business Administration (SBA) loans to support small business growth.
Leadership and Structure
The leadership team consists of experienced banking professionals. The organizational structure is typical of a community bank, with departments overseeing lending, retail banking, operations, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a primary offering, targeting small and medium-sized businesses. Market share data specific to US Century Bank's commercial loan market is limited, but they compete with larger national banks and other regional community banks. Competitors include Wells Fargo, Bank of America, and other local banks.
- SBA Loans: US Century Bank provides SBA loans to support small business growth. Due to the volume of SBA lending from many banks, US Century's specific market share isn't available; They must compete with national banks like JP Morgan Chase and other regional players like Ameris Bank.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes. Community banks face challenges from larger national banks and fintech companies.
Positioning
US Century Bank positions itself as a relationship-focused bank catering to the needs of the Chinese-American community and small to medium-sized businesses. Its competitive advantage lies in its cultural understanding and personalized service.
Total Addressable Market (TAM)
The TAM for community banking is in the billions of dollars, encompassing all small and medium-sized businesses and individuals requiring financial services. US Century Bank occupies a small but significant portion of this TAM, focused primarily on their niche markets within the Chinese-American community.
Upturn SWOT Analysis
Strengths
- Strong ties to the Chinese-American community
- Personalized customer service
- Experienced management team
- Focus on small business lending
- Strong SBA lending program
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger banks
- Potential for credit concentration
- Reliance on a specific demographic
Opportunities
- Expansion into new markets with similar demographics
- Increased adoption of digital banking technologies
- Partnerships with fintech companies
- Growing demand for SBA loans
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn affecting small businesses
- Changes in government regulations
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- WFC
- BAC
- JPM
- C
- KEY
Competitive Landscape
US Century Bank faces intense competition from larger national banks. Its advantage lies in personalized service and cultural understanding within its niche market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are not publicly available.
Future Projections: Future growth projections are not publicly available.
Recent Initiatives: Recent strategic initiatives are not publicly available.
Summary
US Century Bank is a niche player with strong community ties. Its focus on relationship banking and SBA lending provides a competitive edge, though its limited size and geographic reach present challenges. The bank needs to adapt to the changing technological landscape and navigate potential economic downturns. The overall future of the bank will depend on adapting to change and economic pressures.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- FDIC
- SBA.gov
- MarketWatch, Competitor information
Disclaimers:
Financial data is limited due to the bank's private status. Market share estimates are based on available industry data and may not be precise. This analysis is for informational purposes only and should not be considered financial advice.
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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