SmarterDividends
USCB

USCB Financial Holdings, Inc.

USCB

Financial Services · Banks - Regional · Stock · quarterly payer

$22.35

Undervalued · +16% Add to Portfolio

Forward Yield

2.13%

Annual Dividend

$0.48

Payout Ratio

29%

5-Yr Growth

—

Ex-Date

Aug 17, 2026

Frequency

Quarterly

Key facts about USCB's dividend

Data as of · Source: SmarterDividends data

  • As of Oct 18, 2026, USCB Financial Holdings, Inc. (USCB) has a forward dividend yield of 2.13%, based on an annual dividend of $0.48 per share and a share price of $22.35.
  • As of Oct 18, 2026, USCB's dividend safety grade from SmarterDividends is B (70 out of 100), which rates the dividend as safe.
  • USCB has never cut its regular dividend in the payment history SmarterDividends has on record.
  • USCB's most recent ex-dividend date was Aug 17, 2026, for a dividend of $0.13 per share.
  • As of Oct 18, 2026, USCB pays out 29% of its trailing 12-month earnings as dividends (its payout ratio).
  • As of Oct 18, 2026, USCB's 2.13% yield is 16% above its five-year average yield of 1.84%.
  • As of Oct 18, 2026, SmarterDividends' blended fair-value estimate for USCB is $26.04 per share, 16% above the $22.35 share price, so USCB screens as undervalued.
  • USCB Financial Holdings, Inc. (USCB) pays its dividend quarterly, 4 times a year.
  • USCB Financial Holdings, Inc. (USCB) has raised its regular dividend 2 times and cut it 0 times across the 11 payments on record since 2024. Its most recent change was a 25.0% increase to $0.125 per share, going ex-dividend on Feb 17, 2026.
Cite this page

SmarterDividends, "USCB Dividend: Yield, Safety Grade & Next Ex-Date," updated Oct 18, 2026, https://smarterdividends.com/stocks/USCB

Summary

As of Oct 18, 2026, USCB Financial Holdings, Inc. (USCB) yields 2.13% ($0.48 a year per share) and has a dividend safety grade of B (70/100).

Is USCB a good dividend stock?

Yes, with caveats

USCB Financial Holdings, Inc. (USCB) pays a quarterly dividend yielding 2.13% ($0.48/yr), with 1 year of growth and a dividend-safety grade of B. It's a solid income payer, but check the caveats below before buying.

Advantages

  • Never cut its dividend on record
  • Comfortable payout ratio (29%)
  • 49% total price return over 5 years

Risks

  • Single-stock concentration risk — diversify

Key Data

Dividend Yield
2.13%
Payout Ratio
29%
Annual Dividend
$0.48
5-Yr Avg Growth
—
Ex-Dividend Date
Aug 17, 2026
Years of Growth
1
Frequency
quarterly
Beta
0.44
Market Cap
$412.9M
P/E Ratio
14.3
5-Yr Total Return
49%
52-Week Range
$16.82 – $23.89
Dividend Safety
B · 70/100
Ever Cut?
No

USCB dividend raises and cuts

USCB Financial Holdings, Inc. (USCB) has raised its regular dividend 2 times and cut it 0 times across the 11 payments on record since 2024. Its most recent change was a 25.0% increase to $0.125 per share, going ex-dividend on Feb 17, 2026.

Ex-dateChangeOld → newMove
Feb 17, 2026Raise$0.100 → $0.125+25.0%
Feb 14, 2025Raise$0.0500 → $0.100+100.0%
Every USCB payment →Download every raise and cut (CSV)
USCB ex-dividend date & scheduleNext ex-date Aug 17, 2026 · full ex-dividend historyView →USCB dividend historyEvery payment, totals by year, raises and cutsView →

Frequently Asked Questions

Is USCB a good dividend stock?

Yes, with caveats. USCB Financial Holdings, Inc. (USCB) pays a quarterly dividend yielding 2.13% ($0.48/yr), with 1 year of growth and a dividend-safety grade of B. It's a solid income payer, but check the caveats below before buying.

Is USCB undervalued?

Based on a blend of discounted cash flow, a dividend-discount model and an earnings-multiple estimate, USCB's fair value is about $26.04 versus a $22.35 share price — so it looks undervalued (+16% vs. fair value).

Is USCB's dividend safe?

USCB has a dividend-safety grade of B (70/100), based on its payout coverage, free-cash-flow, 1-year growth streak, a clean no-cut history, debt and yield-versus-history.

What is USCB's fair value?

Our blended fair-value estimate for USCB is about $26.04 per share, roughly 16% above the current $22.35 price — combining a discounted cash flow, a dividend-discount model and an earnings multiple.

Is USCB a buy, hold, or sell?

We don't issue formal ratings, but on the data USCB screens as "yes, with caveats" and undervalued. USCB Financial Holdings, Inc. (USCB) pays a quarterly dividend yielding 2.13% ($0.48/yr), with 1 year of growth and a dividend-safety grade of B. It's a solid income payer, but check the caveats below before buying. This is research for your own analysis, not investment advice.

Will USCB cut its dividend?

USCB earns a dividend-safety grade of B (70/100), with no dividend cut on record. A higher score means lower cut risk based on payout coverage, cash flow and history — but no score guarantees a dividend.

Does USCB pay a dividend?

Yes. USCB Financial Holdings, Inc. pays a quarterly dividend of about $0.48 per share annually, a forward yield of roughly 2.13%.

What is USCB's dividend yield?

As of Oct 18, 2026, USCB's forward dividend yield is 2.13%, based on a $0.48 annual dividend and a $22.35 share price.

What is USCB's dividend per share?

As of Oct 18, 2026, USCB pays $0.48 per share per year, distributed on a quarterly basis.

What is USCB's dividend payout ratio?

As of Oct 18, 2026, USCB's payout ratio is 29% of trailing 12-month earnings — a comfortable level that leaves room to keep raising the dividend.

How many years has USCB grown its dividend?

As of Oct 18, 2026, USCB has increased its dividend for 1 consecutive years.

When is the next USCB ex-dividend date?

As of Oct 18, 2026, USCB's next ex-dividend date hasn't been announced. The most recent was Aug 17, 2026, for $0.13 per share.

Income Calculator

At $0.48 / yr per share

Per payment (quarterly)$12.00
Annual$48.00
Monthly avg$4.00

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