US Century Bank Net Income
| USCB Stock | USD 19.80 0.07 0.35% |
As of the 5th of February, US Century owns the Risk Adjusted Performance of 0.0957, downside deviation of 1.94, and Mean Deviation of 1.4. Concerning fundamental indicators, the technical analysis model makes it possible for you to check potential technical drivers of US Century Bank, as well as the relationship between them.
US Century Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 4.3673 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income Applicable To Common Shares | 46.3 M | 48.6 M | |
| Net Income | 28.4 M | 19 M | |
| Net Income From Continuing Ops | 28.4 M | 20.9 M | |
| Net Income Per Share | 1.44 | 0.82 | |
| Net Income Per E B T | 0.73 | 0.84 |
USCB | Net Income | Build AI portfolio with USCB Stock |
Analyzing US Century's Net Income over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Net Income has evolved provides context for assessing US Century's current valuation and future prospects.
Latest US Century's Net Income Growth Pattern
Below is the plot of the Net Income of US Century Bank over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in US Century Bank financial statement analysis. It represents the amount of money remaining after all of US Century Bank operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is US Century's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in US Century's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 24.67 M | 10 Years Trend |
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Net Income |
| Timeline |
USCB Net Income Regression Statistics
| Arithmetic Mean | 13,282,631 | |
| Geometric Mean | 12,317,523 | |
| Coefficient Of Variation | 42.99 | |
| Mean Deviation | 4,589,597 | |
| Median | 10,391,000 | |
| Standard Deviation | 5,709,572 | |
| Sample Variance | 32.6T | |
| Range | 20.4M | |
| R-Value | 0.68 | |
| Mean Square Error | 18.8T | |
| R-Squared | 0.46 | |
| Significance | 0 | |
| Slope | 766,313 | |
| Total Sum of Squares | 521.6T |
USCB Net Income History
Other Fundumenentals of US Century Bank
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
US Century Net Income component correlations
USCB Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for US Century is extremely important. It helps to project a fair market value of USCB Stock properly, considering its historical fundamentals such as Net Income. Since US Century's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of US Century's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of US Century's interrelated accounts and indicators.
Click cells to compare fundamentals
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of US Century. If investors know USCB will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive US Century assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth (0.79) | Dividend Share 0.4 | Earnings Share 1.57 | Revenue Per Share | Quarterly Revenue Growth (0.20) |
Understanding US Century Bank requires distinguishing between market price and book value, where the latter reflects USCB's accounting equity. The concept of intrinsic value - what US Century's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Market sentiment, economic cycles, and investor behavior can push US Century's price substantially above or below its fundamental value.
Please note, there is a significant difference between US Century's value and its price as these two are different measures arrived at by different means. Investors typically determine if US Century is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. In contrast, US Century's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.
US Century 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to US Century's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of US Century.
| 11/07/2025 |
| 02/05/2026 |
If you would invest 0.00 in US Century on November 7, 2025 and sell it all today you would earn a total of 0.00 from holding US Century Bank or generate 0.0% return on investment in US Century over 90 days. US Century is related to or competes with Bankwell Financial, West Bancorporation, Orange County, MVB Financial, Farmers Merchants, Southern First, and RBB Bancorp. USCB Financial Holdings, Inc. operates as the bank holding company for U.S More
US Century Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure US Century's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess US Century Bank upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.94 | |||
| Information Ratio | 0.0891 | |||
| Maximum Drawdown | 11.45 | |||
| Value At Risk | (2.66) | |||
| Potential Upside | 3.69 |
US Century Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for US Century's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as US Century's standard deviation. In reality, there are many statistical measures that can use US Century historical prices to predict the future US Century's volatility.| Risk Adjusted Performance | 0.0957 | |||
| Jensen Alpha | 0.1919 | |||
| Total Risk Alpha | 0.0844 | |||
| Sortino Ratio | 0.0914 | |||
| Treynor Ratio | 0.3162 |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of US Century's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
US Century February 5, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0957 | |||
| Market Risk Adjusted Performance | 0.3262 | |||
| Mean Deviation | 1.4 | |||
| Semi Deviation | 1.72 | |||
| Downside Deviation | 1.94 | |||
| Coefficient Of Variation | 822.99 | |||
| Standard Deviation | 1.99 | |||
| Variance | 3.96 | |||
| Information Ratio | 0.0891 | |||
| Jensen Alpha | 0.1919 | |||
| Total Risk Alpha | 0.0844 | |||
| Sortino Ratio | 0.0914 | |||
| Treynor Ratio | 0.3162 | |||
| Maximum Drawdown | 11.45 | |||
| Value At Risk | (2.66) | |||
| Potential Upside | 3.69 | |||
| Downside Variance | 3.77 | |||
| Semi Variance | 2.95 | |||
| Expected Short fall | (1.60) | |||
| Skewness | (0.06) | |||
| Kurtosis | 1.79 |
US Century Bank Backtested Returns
US Century appears to be very steady, given 3 months investment horizon. US Century Bank retains Efficiency (Sharpe Ratio) of 0.0983, which indicates the firm had a 0.0983 % return per unit of price deviation over the last 3 months. We have found twenty-nine technical indicators for US Century, which you can use to evaluate the volatility of the company. Please review US Century's Mean Deviation of 1.4, downside deviation of 1.94, and Risk Adjusted Performance of 0.0957 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, US Century holds a performance score of 7. The entity owns a Beta (Systematic Risk) of 0.73, which indicates possible diversification benefits within a given portfolio. As returns on the market increase, US Century's returns are expected to increase less than the market. However, during the bear market, the loss of holding US Century is expected to be smaller as well. Please check US Century's sortino ratio, semi variance, and the relationship between the standard deviation and value at risk , to make a quick decision on whether US Century's current price history will revert.
Auto-correlation | 0.20 |
Weak predictability
US Century Bank has weak predictability. Overlapping area represents the amount of predictability between US Century time series from 7th of November 2025 to 22nd of December 2025 and 22nd of December 2025 to 5th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of US Century Bank price movement. The serial correlation of 0.2 indicates that over 20.0% of current US Century price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.2 | |
| Spearman Rank Test | 0.3 | |
| Residual Average | 0.0 | |
| Price Variance | 0.32 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
USCB Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, US Century Bank reported net income of 24.67 M. This is 98.07% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 95.68% higher than that of the company.
USCB Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses US Century's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of US Century could also be used in its relative valuation, which is a method of valuing US Century by comparing valuation metrics of similar companies.US Century is currently under evaluation in net income category among its peers.
US Century ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, US Century's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to US Century's managers, analysts, and investors.Environmental | Governance | Social |
US Century Institutional Holders
Institutional Holdings refers to the ownership stake in US Century that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of US Century's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing US Century's value.| Shares | Geode Capital Management, Llc | 2025-06-30 | 248.7 K | Banc Funds Co Llc | 2025-06-30 | 149.2 K | Dimensional Fund Advisors, Inc. | 2025-06-30 | 143.7 K | State Street Corp | 2025-06-30 | 141.9 K | Northern Trust Corp | 2025-06-30 | 123.4 K | Renaissance Technologies Corp | 2025-06-30 | 89.3 K | Elizabeth Park Capital Advisors, Ltd | 2025-06-30 | 88.6 K | Connor Clark & Lunn Inv Mgmt Ltd | 2025-06-30 | 58.7 K | Goldman Sachs Group Inc | 2025-06-30 | 49.1 K | Patriot Financial Partners Gp, Llc | 2025-06-30 | 4.5 M | Endeavour Capital Advisors Inc | 2025-06-30 | 1.2 M |
USCB Fundamentals
| Return On Equity | 0.12 | ||||
| Return On Asset | 0.0097 | ||||
| Profit Margin | 0.30 % | ||||
| Operating Margin | 0.21 % | ||||
| Current Valuation | 516.93 M | ||||
| Shares Outstanding | 18.14 M | ||||
| Shares Owned By Insiders | 25.06 % | ||||
| Shares Owned By Institutions | 63.30 % | ||||
| Number Of Shares Shorted | 109.54 K | ||||
| Price To Earning | 5.15 X | ||||
| Price To Book | 1.72 X | ||||
| Price To Sales | 4.07 X | ||||
| Revenue | 152.08 M | ||||
| Gross Profit | 87.92 M | ||||
| EBITDA | 36.37 M | ||||
| Net Income | 24.67 M | ||||
| Cash And Equivalents | 87.1 M | ||||
| Cash Per Share | 4.36 X | ||||
| Total Debt | 90.75 M | ||||
| Book Value Per Share | 11.97 X | ||||
| Cash Flow From Operations | 34.09 M | ||||
| Short Ratio | 3.01 X | ||||
| Earnings Per Share | 1.57 X | ||||
| Target Price | 21.63 | ||||
| Number Of Employees | 204 | ||||
| Beta | 0.6 | ||||
| Market Capitalization | 357.86 M | ||||
| Total Asset | 2.8 B | ||||
| Retained Earnings | (67.81 M) | ||||
| Annual Yield | 0.03 % | ||||
| Net Asset | 2.8 B | ||||
| Last Dividend Paid | 0.4 |
About US Century Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze US Century Bank's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of US Century using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of US Century Bank based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Also Currently Popular
Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.When determining whether US Century Bank offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of US Century's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Us Century Bank Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Us Century Bank Stock:Check out You can also try the AI Portfolio Prophet module to use AI to generate optimal portfolios and find profitable investment opportunities.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of US Century. If investors know USCB will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive US Century assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth (0.79) | Dividend Share 0.4 | Earnings Share 1.57 | Revenue Per Share | Quarterly Revenue Growth (0.20) |
Understanding US Century Bank requires distinguishing between market price and book value, where the latter reflects USCB's accounting equity. The concept of intrinsic value - what US Century's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Market sentiment, economic cycles, and investor behavior can push US Century's price substantially above or below its fundamental value.
Please note, there is a significant difference between US Century's value and its price as these two are different measures arrived at by different means. Investors typically determine if US Century is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. In contrast, US Century's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.