Recent News
On January 22, 2026 the company reported fourth-quarter 2025 results noting GAAP diluted EPS of $0.07 and an operating diluted EPS of $0.44 after a $44.6 million sale of available-for-sale securities and related after-tax losses; management described proceeds as reinvested into loans and highlighted deposit and loan growth and improved net interest margin. On January 23, 2026 market commentary emphasized operating EPS and revenue shortfalls versus analyst expectations and described the presentation slides as mixed. In mid-December 2025 a major market data provider raised USCB’s composite technical rating into the 95-plus club, citing strong EPS and accumulation metrics.
Technical Analysis
ADX at 23.62 indicates an emerging directional move rather than a mature trend; both directional indicators show bearish configuration: DI+ registered a peak-and-reversal (bearish) while DI– showed a dip-and-reversal (bearish), implying recent selling pressure outweighs buying momentum and reinforcing the near-term downside bias tied to Q4 headline weakness.
MACD sits at 0.19 with a peak-and-reversal pattern and no clear bullish crossover above its 0.19 signal line, signaling waning bullish momentum and suggesting momentum-based gains may stall unless momentum re-accelerates.
MRO at 19.8 reads positive and peak-and-reversal; the oscillator places the market price modestly above the model target, which increases the likelihood of mean reversion and near-term price consolidation toward intrinsic anchors used in the valuation.
RSI at 55.17 with a peak-and-reversal pattern indicates neither overbought nor oversold conditions but signals reduced upside momentum from recent levels, consistent with the MACD and MRO signals tying into a cautious short-term price bias.
Price sits above the 200-day average ($17.57) and above short-term averages (20-day $19.43; 50-day $19.17) with the 12-day EMA rising; these averages support a technical floor near $19 and place the $18.53 super-trend lower band and the 1x Bollinger lower band at $18.78 as nearby structural support. Volume today (~94,219) exceeds the 10-day average (~70,571), suggesting recent moves carry conviction but have coincided with peak-reversal readings on momentum indicators.
Fundamental Analysis
Earnings: Reported EPS of $0.24 missed the $0.50 estimate, a negative EPS surprise of -52.0%, while operating metrics cited by management showed an operating EPS of $0.44 for the quarter. QoQ earnings growth accelerated sharply by 137.5%, though year-over-year earnings growth measured -3.12%. Net income for the period totaled $8,939,000 and operating cash flow stood at $20,148,000, supporting core profitability despite the GAAP restructuring charge.
Profitability & returns: Return on assets equals 0.326% and return on equity equals 4.275%; both posted meaningful QoQ improvements (ROA QoQ +7.95 percentage points on a relative basis and ROE QoQ +21.62%). Net interest income of $21,274,000 and a reported net interest margin of 3.27% for the quarter sustain core margin expansion noted in the company release.
Balance sheet and growth: Total assets reached $2.7679 billion with loans up ~11.0% year-over-year and deposits up ~7.9% from the year prior per management commentary; asset growth year-over-year registers ~1.78% in the provided metrics. Debt-to-assets stands low at 2.043% while tangible equity sits at $209,095,000, preserving capital flexibility during portfolio repositioning.
Valuation and cash returns: Book value equals $11.55 and the P/B ratio stands at 1.48, modestly above the industry peer mean of 1.245 and the median of 1.156 but well within the industry peer range; P/E at 38.07 sits below the industry peer mean of 43.01 and median of 41.79, while free cash flow yield equals 6.46%, above the industry peer mean of ~2.70%, indicating relatively attractive cash-generation versus peers. WMDST values the stock as under-valued, supported by positive free cash flow and improving core loan growth despite the recent GAAP charge. (All QoQ and YoY changes reported as percentages.)
MOST-RECENT QUARTERLY REPORT
| REPORT PERIOD ENDING: | 2025-09-30 |
| REPORT DATE: | 2026-01-22 |
| NEXT REPORT DATE: | 2026-04-23 |
| CASH FLOW | Begin Period Cash Flow | $ 54.8 M |
| Operating Cash Flow | $ 20.1 M | |
| Capital Expenditures | $ -114.00 K | |
| Change In Working Capital | $ 7.7 M | |
| Dividends Paid | $ -2.01 M | |
| Cash Flow Delta | $ 2.0 M | |
| End Period Cash Flow | $ 56.8 M | |
| INCOME STATEMENT | REVENUE | |
| Total Revenue | $ 25.0 M | |
| Forward Revenue | $ 7.1 M | |
| COSTS | ||
| Cost Of Revenue | — | |
| Depreciation | $ 158.0 K | |
| Depreciation and Amortization | $ 158.0 K | |
| Research and Development | — | |
| Total Operating Expenses | — | |
| PROFITABILITY | ||
| Gross Profit | — | |
| EBITDA | — | |
| EBIT | — | |
| Operating Income | — | |
| Interest Income | $ 37.7 M | |
| Interest Expense | $ 16.4 M | |
| Net Interest Income | $ 21.3 M | |
| Income Before Tax | $ 11.8 M | |
| Tax Provision | $ 2.9 M | |
| Tax Rate | 24.28 % | |
| Net Income | $ 8.9 M | |
| Net Income From Continuing Operations | $ 8.9 M | |
| EARNINGS | ||
| EPS Estimate | $ 0.50 | |
| EPS Actual | $ 0.24 | |
| EPS Difference | $ -0.26 | |
| EPS Surprise | -52.0 % | |
| Forward EPS | $ 0.56 | |
| BALANCE SHEET | ASSETS | |
| Total Assets | $ 2.8 B | |
| Intangible Assets | — | |
| Net Tangible Assets | $ 209.1 M | |
| Total Current Assets | — | |
| Cash and Short-Term Investments | — | |
| Cash | $ 56.8 M | |
| Net Receivables | $ 12.1 M | |
| Inventory | — | |
| Long-Term Investments | — | |
| LIABILITIES | ||
| Accounts Payable | — | |
| Short-Term Debt | — | |
| Total Current Liabilities | — | |
| Net Debt | — | |
| Total Debt | $ 56.5 M | |
| Total Liabilities | $ 2.6 B | |
| EQUITY | ||
| Total Equity | $ 209.1 M | |
| Retained Earnings | $ -49.09 M | |
| VALUATION & PER-SHARE METRICS | EQUITY & PER-SHARE METRICS | |
| Book Value Per-Share | $ 11.55 | |
| Shares Outstanding | 18.107 M | |
| Revenue Per-Share | $ 1.38 | |
| VALUATION | Market Capitalization | $ 310.2 M |
| Enterprise Value | $ 366.7 M | |
| Enterprise Multiple | — | |
| Enterprise Multiple QoQ | — | |
| Enterprise Multiple YoY | — | |
| Enterprise Multiple IPRWA | — | |
| EV/R | 14.694 | |
| CAPITAL STRUCTURE | ||
| Asset To Equity | 13.238 | |
| Asset To Liability | 1.082 | |
| Debt To Capital | 0.213 | |
| Debt To Assets | 0.02 | |
| Debt To Assets QoQ | -51.702 % | |
| Debt To Assets YoY | -59.783 % | |
| Debt To Assets IPRWA | high: 0.165 mean: 0.056 median: 0.053 USCB: 0.02 low: 0.0 |
|
| Debt To Equity | 0.27 | |
| Debt To Equity QoQ | -45.565 % | |
| Debt To Equity YoY | -54.521 % | |
| Debt To Equity IPRWA | high: 1.525 mean: 0.51 median: 0.455 USCB: 0.27 low: -0.109 |
|
| PRICE-BASED VALUATION | ||
| Price To Book (P/B) | 1.484 | |
| Price To Book QoQ | 0.838 % | |
| Price To Book YoY | 12.186 % | |
| Price To Book IPRWA | high: 2.042 USCB: 1.484 mean: 1.245 median: 1.156 low: 0.284 |
|
| Price To Earnings (P/E) | 38.069 | |
| Price To Earnings QoQ | -10.393 % | |
| Price To Earnings YoY | -7.583 % | |
| Price To Earnings IPRWA | high: 75.793 mean: 43.01 median: 41.79 USCB: 38.069 low: 9.669 |
|
| PE/G Ratio | 3.046 | |
| Price To Sales (P/S) | 12.429 | |
| Price To Sales QoQ | -10.975 % | |
| Price To Sales YoY | -5.329 % | |
| Price To Sales IPRWA | high: 24.051 mean: 12.812 median: 12.491 USCB: 12.429 low: 0.117 |
|
| FORWARD MULTIPLES | ||
| Forward P/E | 44.779 | |
| Forward PE/G | 3.582 | |
| Forward P/S | 64.164 | |
| EFFICIENCY | OPERATIONAL | |
| Operating Leverage | — | |
| ASSET & SALES | ||
| Asset Turnover Ratio | 0.009 | |
| Asset Turnover Ratio QoQ | 0.664 % | |
| Asset Turnover Ratio YoY | 4.839 % | |
| Asset Turnover Ratio IPRWA | high: 0.016 mean: 0.01 median: 0.01 USCB: 0.009 low: 0.005 |
|
| Receivables Turnover | 2.132 | |
| Receivables Turnover Ratio QoQ | -2.544 % | |
| Receivables Turnover Ratio YoY | 10.348 % | |
| Receivables Turnover Ratio IPRWA | high: 4.407 median: 2.631 mean: 2.613 USCB: 2.132 low: 0.56 |
|
| Inventory Turnover | — | |
| Inventory Turnover Ratio QoQ | — | |
| Inventory Turnover Ratio YoY | — | |
| Inventory Turnover Ratio IPRWA | — | |
| Days Sales Outstanding (DSO) | 42.797 | |
| CASH CYCLE | ||
| Cash Conversion Cycle Days (CCC) | 42.797 | |
| Cash Conversion Cycle Days QoQ | — | |
| Cash Conversion Cycle Days YoY | — | |
| Cash Conversion Cycle Days IPRWA | high: 56.945 USCB: 42.797 mean: 35.753 median: 34.679 low: 20.707 |
|
| CAPITAL DEPLOYMENT | ||
| Cash Conversion Ratio | — | |
| CapEx To Revenue | -0.005 | |
| CapEx To Depreciation | -0.722 | |
| CAPITAL, LIQUIDITY & COVERAGE | CAPITAL STRUCTURE | |
| Total Capital | $ 259.4 M | |
| Net Invested Capital | $ 259.4 M | |
| Invested Capital | $ 259.4 M | |
| Net Tangible Assets | $ 209.1 M | |
| Net Working Capital | — | |
| LIQUIDITY | ||
| Cash Ratio | — | |
| Current Ratio | — | |
| Current Ratio QoQ | — | |
| Current Ratio YoY | — | |
| Current Ratio IPRWA | — | |
| Quick Ratio | — | |
| Quick Ratio QoQ | — | |
| Quick Ratio YoY | — | |
| Quick Ratio IPRWA | — | |
| COVERAGE & LEVERAGE | ||
| Debt To EBITDA | — | |
| Cost Of Debt | 14.515 % | |
| Interest Coverage Ratio | — | |
| Interest Coverage Ratio QoQ | — | |
| Interest Coverage Ratio YoY | — | |
| Interest Coverage Ratio IPRWA | — | |
| Operating Cash Flow Ratio | — | |
| TIMING / LIQUIDITY | ||
| Days Payables Outstanding (DPO) | — | |
| DIVIDENDS | ||
| Dividend Coverage Ratio | 4.452 | |
| Dividend Payout Ratio | 0.225 | |
| Dividend Rate | $ 0.11 | |
| Dividend Yield | 0.006 | |
| PERFORMANCE | GROWTH | |
| Asset Growth Rate | 1.782 % | |
| Revenue Growth | 2.27 % | |
| Revenue Growth QoQ | -67.054 % | |
| Revenue Growth YoY | -54.555 % | |
| Revenue Growth IPRWA | high: 23.369 % mean: 4.949 % median: 4.033 % USCB: 2.27 % low: -9.66 % |
|
| Earnings Growth | 12.5 % | |
| Earnings Growth QoQ | 137.507 % | |
| Earnings Growth YoY | -3.123 % | |
| Earnings Growth IPRWA | high: 63.889 % USCB: 12.5 % median: 8.235 % mean: 7.516 % low: -37.5 % |
|
| MARGINS | ||
| Gross Margin | — | |
| Gross Margin QoQ | — | |
| Gross Margin YoY | — | |
| Gross Margin IPRWA | — | |
| EBIT Margin | — | |
| EBIT Margin QoQ | — | |
| EBIT Margin YoY | — | |
| EBIT Margin IPRWA | — | |
| Return On Sales (ROS) | — | |
| Return On Sales QoQ | — | |
| Return On Sales YoY | — | |
| Return On Sales IPRWA | — | |
| CASH FLOW | ||
| Free Cash Flow (FCF) | $ 20.0 M | |
| Free Cash Flow Yield | 6.458 % | |
| Free Cash Flow Yield QoQ | 22.287 % | |
| Free Cash Flow Yield YoY | 63.992 % | |
| Free Cash Flow Yield IPRWA | high: 9.076 % USCB: 6.458 % mean: 2.695 % median: 2.634 % low: -3.401 % |
|
| Free Cash Growth | 11.349 % | |
| Free Cash Growth QoQ | -51.469 % | |
| Free Cash Growth YoY | -130.304 % | |
| Free Cash Growth IPRWA | high: 435.53 % mean: 17.587 % USCB: 11.349 % median: 4.44 % low: -394.679 % |
|
| Free Cash To Net Income | 2.241 | |
| Cash Flow Margin | 33.08 % | |
| Cash Flow To Earnings | 0.924 | |
| VALUE & RETURNS | ||
| Economic Value Added | $ 0.05 | |
| Return On Assets (ROA) | 0.326 % | |
| Return On Assets QoQ | 7.947 % | |
| Return On Assets YoY | 16.429 % | |
| Return On Assets IPRWA | high: 0.657 % USCB: 0.326 % mean: 0.305 % median: 0.301 % low: 0.027 % |
|
| Return On Capital Employed (ROCE) | — | |
| Return On Equity (ROE) | 0.043 | |
| Return On Equity QoQ | 21.622 % | |
| Return On Equity YoY | 31.619 % | |
| Return On Equity IPRWA | high: 0.052 USCB: 0.043 median: 0.03 mean: 0.028 low: 0.002 |
|
| DuPont ROE | 4.058 % | |
| Return On Invested Capital (ROIC) | — | |
| Return On Invested Capital QoQ | — | |
| Return On Invested Capital YoY | — | |
| Return On Invested Capital IPRWA | — | |