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Upturn AI SWOT - About
US Century Bank (USCB)
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Upturn Advisory Summary
04/01/2025: 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.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -5.45% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 372.58M USD | Price to earnings Ratio 14.97 | 1Y Target Price 22 |
Price to earnings Ratio 14.97 | 1Y Target Price 22 | ||
Volume (30-day avg) 31837 | Beta 0.64 | 52 Weeks Range 10.09 - 21.69 | Updated Date 04/1/2025 |
52 Weeks Range 10.09 - 21.69 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.14% | Basic EPS (TTM) 1.24 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.03% | Operating Margin (TTM) 43.3% |
Management Effectiveness
Return on Assets (TTM) 1% | Return on Equity (TTM) 12.11% |
Valuation
Trailing PE 14.97 | Forward PE 11.45 | Enterprise Value 466279136 | Price to Sales(TTM) 4.69 |
Enterprise Value 466279136 | Price to Sales(TTM) 4.69 | ||
Enterprise Value to Revenue 6.59 | Enterprise Value to EBITDA - | Shares Outstanding 20053000 | Shares Floating 13649292 |
Shares Outstanding 20053000 | Shares Floating 13649292 | ||
Percent Insiders 24.98 | Percent Institutions 65.09 |
Analyst Ratings
Rating 3.6 | Target Price 20.95 | Buy 3 | Strong Buy - |
Buy 3 | Strong Buy - | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
US Century Bank
Company Overview
History and Background
US Century Bank was founded in 2002 in Doral, Florida, primarily serving the Asian-American community. It has grown organically and through strategic acquisitions to become a community bank offering a range of commercial and retail banking services.
Core Business Areas
- Commercial Banking: Provides loans, lines of credit, and deposit services to businesses, primarily small and medium-sized enterprises (SMEs).
- Retail Banking: Offers personal checking and savings accounts, mortgages, and other consumer loans.
- International Banking: Facilitates trade finance and cross-border transactions for businesses involved in international trade, especially with Asian countries.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives overseeing various divisions. The organizational structure is typically hierarchical, with regional managers and branch managers reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans for purchasing or refinancing commercial properties. Market share data is not publicly available. Competitors include Wells Fargo (WFC), Bank of America (BAC) and local credit unions.
- SBA Loans: Loans guaranteed by the Small Business Administration. Market share data is not publicly available. Competitors include Live Oak Bancshares (LOB), and other community banks.
- Trade Finance Services: Services facilitating international trade transactions. Market share data is not publicly available. Competitors include HSBC (HSBC) and Citibank (C).
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, rising interest rates, and evolving regulatory requirements. Digital transformation and fintech innovations are also shaping the landscape.
Positioning
US Century Bank positions itself as a community bank with a strong focus on serving the Asian-American community and businesses involved in international trade. Competitive advantages include personalized service and cultural understanding.
Total Addressable Market (TAM)
The TAM includes the entire banking sector in South Florida and the Asian-American business community nationwide, estimated at hundreds of billions. US Century Bank is positioned to capture a portion through its niche focus and strong community ties.
Upturn SWOT Analysis
Strengths
- Strong community ties and customer relationships
- Focus on the Asian-American market
- Expertise in international trade finance
- Experienced management team
- Personalized customer service
Weaknesses
- Limited geographic reach
- Smaller asset base compared to larger banks
- Dependence on specific market segments
- Brand recognition is limited to specific markets
Opportunities
- Expansion into new geographic markets with significant Asian-American populations
- Increased adoption of digital banking solutions
- Growing demand for trade finance services
- Potential acquisitions of other small community banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan performance
- Changes in regulations impacting banking operations
- Fluctuations in interest rates
Competitors and Market Share
Key Competitors
- Bank of America (BAC)
- Wells Fargo (WFC)
- Citigroup (C)
Competitive Landscape
US Century Bank's advantages lie in its specialized knowledge and community focus. Disadvantages include smaller size and limited geographic reach compared to larger competitors.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth information is unavailable, but the bank has grown steadily since its founding through organic expansion and strategic initiatives.
Future Projections: Future growth projections are not publicly available.
Recent Initiatives: Recent initiatives likely include investments in digital banking platforms and expansion into new markets.
Summary
US Century Bank is a community bank focusing on the Asian-American market, offering commercial, retail, and international banking services. Its strengths lie in its customer relationships and specialized expertise. Limited market information is available due to its private status, and it faces competition from larger banks. Its future success depends on managing competition and economic risks.
Similar Companies
- C
- BAC
- WFC
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- Financial News Articles
Disclaimers:
The information provided is based on publicly available data and estimates. Due to the company's private status, some financial details are unavailable. 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 199 | Website https://www.uscentury.com |
Full time employees 199 | 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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