U.S. Century Bank (USCB)
Runs U.S. Century Bank for South Florida businesses, professionals, and specialty clients.
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Operates U.S. Century Bank, a Doral-based community bank serving SMB owners, professionals, associations, private clients, and international banking relationships. Revenue depends on deposits, lending, treasury services, and specialty verticals in South Florida.
Operates through U.S. Century Bank, a Florida state-chartered community bank focused on South Florida. Core lines include commercial and consumer deposits, commercial real estate and business lending, treasury management, personal banking, residential lending, and business credit cards.
Specialty verticals extend the relationship model into SBA lending, association banking, private-client and professional services, yacht finance, Latin America and Caribbean correspondent banking, and title services. The branch network is concentrated in Miami-Dade, Broward, and Palm Beach counties.
Execution depends on deposit gathering, local credit discipline, service continuity, and technology-enabled banking without a large branch footprint. The business remains shaped by bank regulation, interest-rate conditions, credit quality, and South Florida commercial activity.
Company facts
Categories
Target rangeAs of Sep 2, 2026
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 27, 2026 | Piper Sandler | Reiterate | Overweight | $24 | $27 | |
| Apr 28, 2026 | Piper Sandler | Target | $24 | |||
| Sep 8, 2025 | Raymond James | Upgrade | Outperform | Strong Buy | ||
| Jul 28, 2025 | Raymond James | Upgrade | Market Perform | Outperform | ||
| Apr 2, 2025 | Raymond James | Downgrade | Outperform | Market Perform |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $118.2M · Total debt $292.9M · Total assets $3.02B · Shareholders' equity $233.2M
- Revenue
- $43.1M
- Operating income
- $12.7M
- Net income
- $9.1M
Last raised to $0.125 from $0.10 in Feb 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 17, 2026 | Aug 17 | Sep 4 | $0.125 | |
| May 15, 2026 | May 15 | Jun 5 | $0.125 | |
| Feb 17, 2026 | Feb 17 | Mar 5 | $0.125 | raised from $0.10 |
| Nov 14, 2025 | Nov 14 | Dec 5 | $0.10 | |
| Aug 15, 2025 | Aug 15 | Sep 5 | $0.10 | |
| May 15, 2025 | May 15 | Jun 5 | $0.10 | |
| Feb 14, 2025 | Feb 14 | Mar 5 | $0.10 | raised from $0.05 |
| Nov 15, 2024 | Nov 15 | Dec 5 | $0.05 |
| Institutions93 holders · as of Mar 31, 2026 | 63.63% | 11.62M shares | |
| Insiders13 holders · as of Jul 17, 2026 | 33.42% | 6.10M shares | |
| Otherremainder | 2.95% | 539.0K shares |
18.26M company shares as of Aug 21, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
Howard FeinglassInsiderdirector, 10 percent owner | 21.80% | 3.98M | Form 4filed Dec 2, 2025 ↗ |
Patriot Financial Partners GP Ii, L.P.Institution | 10.16% | 1.86M | 13Fas of Mar 31, 2026 |
Inversiones Atlantida S.A.Insider | 8.21% | 1.50M | 13Gfiled Jul 17, 2026 ↗ |
T. Rowe Price Investment Management, Inc.Institution | 7.23% | 1.32M | 13Fas of Mar 31, 2026 |
Endeavour Capital Advisors IncInstitution | 5.61% | 1.02M | 13Fas of Mar 31, 2026 |
| See all 25 → | |||
13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more · Form 4 — an insider's transaction report
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 8, 2026 | Andres Collazo | officer: EVP, Operations & IT | −1,000 | $19.00 |
| May 21, 2026 | Luis de la Aguilera | director, officer: President and CEO | −49,414 | $18.30 |
| May 20, 2026 | Luis de la Aguilera | director, officer: President and CEO | −36,826 | $18.15 |
| May 19, 2026 | Luis de la Aguilera | director, officer: President and CEO | −4,931 | $18.01 |
| May 18, 2026 | Luis de la Aguilera | director, officer: President and CEO | −2,485 | $18.06 |
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ComparePre-market
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| U.S. Century Bank | $22.71 | −0.23% | $415.0M | 14.9 | 10.2 | 2.9 | +14.5% |
| Amerant Bancorp | $28.96 | −0.72% | $1.14B | 21.0 | 11.5 | 2.0 | −7.2% |
| BankUnited | $45.66 | +0.46% | $3.30B | 12.7 | 10.6 | 1.8 | +3.9% |
| Seacoast Banking | $34.54 | +1.13% | $3.32B | 22.0 | 12.9 | 3.5 | +38.7% |
| SouthState | $106.29 | +0.02% | $10.31B | 11.2 | 10.8 | 3.2 | +1.2% |
| United Community Banks | $33.00 | −5.66% | $4.19B | 11.5 | 11.5 | 2.7 | +9.8% |
| Valley National Bancorp | $13.81 | −0.04% | $7.65B | 11.5 | 9.8 | 2.6 | +13.3% |
| Median | 12.1 | 11.1 | 2.6 | +6.8% |