Is US Century Stock a Good Investment?
US Century Investment Advice | USCB |
- Examine US Century's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research US Century's leadership team and their track record. Good management can help US Century navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact US Century's business and its evolving consumer preferences.
- Compare US Century's performance and market position to its competitors. Analyze how US Century is positioned in terms of product offerings, innovation, and market share.
- Check if US Century pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about US Century's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in US Century Bank stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if US Century Bank is a good investment.
Sell | Buy |
Strong Hold
Market Performance | Modest | Details | |
Volatility | Very steady | Details | |
Hype Condition | Under hyped | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Almost mirrors the market | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine US Century Stock
Researching US Century's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 25.0% of the company outstanding shares are owned by insiders. The company has Price to Book (P/B) ratio of 1.79. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. US Century Bank last dividend was issued on the 14th of February 2025. The entity had 1:1 split on the 30th of December 2021.
To determine if US Century is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding US Century's research are outlined below:
| About 65.0% of the company outstanding shares are owned by institutional investors | |
| Latest headline from finance.yahoo.com: USCB Financial Soars 5.5 percent Is Further Upside Left in the Stock |
US Century Quarterly Liabilities And Stockholders Equity |
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US Century uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in US Century Bank. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to US Century's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 25th of April 2024 Upcoming Quarterly Report | View | |
| 25th of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 23rd of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
Earnings surprises can significantly impact US Century's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises US Century's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2023-07-27 | 2023-06-30 | 0.24 | 0.21 | -0.03 | 12 | ||
2023-04-27 | 2023-03-31 | 0.26 | 0.29 | 0.03 | 11 | ||
2024-10-24 | 2024-09-30 | 0.31 | 0.35 | 0.04 | 12 | ||
2024-07-25 | 2024-06-30 | 0.24 | 0.31 | 0.07 | 29 | ||
2022-01-27 | 2021-12-31 | 0.23 | 0.3 | 0.07 | 30 | ||
2024-01-25 | 2023-12-31 | 0.22 | 0.14 | -0.08 | 36 | ||
2023-01-26 | 2022-12-31 | 0.3 | 0.22 | -0.08 | 26 | ||
2021-07-30 | 2021-06-30 | 0.2 | 0.38 | 0.18 | 90 |
Know US Century's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as US Century is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading US Century Bank backward and forwards among themselves. US Century's institutional investor refers to the entity that pools money to purchase US Century's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Geode Capital Management, Llc | 2024-12-31 | 237.6 K | Banc Funds Co Llc | 2024-12-31 | 149.2 K | State Street Corp | 2024-12-31 | 123.5 K | Renaissance Technologies Corp | 2024-12-31 | 117.1 K | Bessemer Group Inc | 2024-12-31 | 113.6 K | Dimensional Fund Advisors, Inc. | 2024-12-31 | 100.6 K | Elizabeth Park Capital Advisors, Ltd | 2024-12-31 | 88.6 K | Northern Trust Corp | 2024-12-31 | 83.7 K | Goldman Sachs Group Inc | 2024-12-31 | 65.5 K | Patriot Financial Partners Gp, Llc | 2024-12-31 | 4.5 M | Endeavour Capital Advisors Inc | 2024-12-31 | 1.3 M |
US Century's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 384.82 M.Market Cap |
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US Century's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.04 | 0.04 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.11 | 0.07 |
Determining US Century's profitability involves analyzing its financial statements and using various financial metrics to determine if US Century is a good buy. For example, gross profit margin measures US Century's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of US Century's profitability and make more informed investment decisions.
Please note, the presentation of US Century's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, US Century's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of US Century's management manipulating its earnings.
Evaluate US Century's management efficiency
At present, US Century's Return On Tangible Assets are projected to increase slightly based on the last few years of reporting. The current year's Return On Capital Employed is expected to grow to 0.04, whereas Return On Assets are forecasted to decline to 0.01. At present, US Century's Total Current Assets are projected to increase significantly based on the last few years of reporting. The current year's Return On Tangible Assets is expected to grow to 0.01, whereas Total Assets are forecasted to decline to about 2.1 B. US Century's management efficiency ratios could be used to measure how well US Century manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 10.94 | 14.60 | |
| Tangible Book Value Per Share | 10.94 | 11.49 | |
| Enterprise Value Over EBITDA | 15.83 | 16.62 | |
| Price Book Value Ratio | 1.62 | 0.89 | |
| Enterprise Value Multiple | 15.83 | 16.62 | |
| Price Fair Value | 1.62 | 0.89 | |
| Enterprise Value | 354.4 M | 181.2 M |
US Century showcases strong leadership that adapts to market changes and drives innovation. Our analysis explores how this adaptability affects the stock's investment appeal.
Basic technical analysis of USCB Stock
As of the 22nd of March, US Century owns the Downside Deviation of 2.11, risk adjusted performance of 0.0281, and Mean Deviation of 1.64. 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's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific US Century insiders, such as employees or executives, is commonly permitted as long as it does not rely on US Century's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases US Century insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
US Century's Outstanding Corporate Bonds
US Century issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. US Century Bank uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most USCB bonds can be classified according to their maturity, which is the date when US Century Bank has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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Understand US Century's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing US Century's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0281 | |||
| Market Risk Adjusted Performance | 0.0475 | |||
| Mean Deviation | 1.64 | |||
| Semi Deviation | 1.95 | |||
| Downside Deviation | 2.11 | |||
| Coefficient Of Variation | 3987.02 | |||
| Standard Deviation | 2.15 | |||
| Variance | 4.64 | |||
| Information Ratio | 0.054 | |||
| Jensen Alpha | 0.1289 | |||
| Total Risk Alpha | 0.2196 | |||
| Sortino Ratio | 0.0551 | |||
| Treynor Ratio | 0.0375 | |||
| Maximum Drawdown | 10.82 | |||
| Value At Risk | (2.82) | |||
| Potential Upside | 3.27 | |||
| Downside Variance | 4.46 | |||
| Semi Variance | 3.81 | |||
| Expected Short fall | (1.92) | |||
| Skewness | (0.17) | |||
| Kurtosis | 1.41 |
| Risk Adjusted Performance | 0.0281 | |||
| Market Risk Adjusted Performance | 0.0475 | |||
| Mean Deviation | 1.64 | |||
| Semi Deviation | 1.95 | |||
| Downside Deviation | 2.11 | |||
| Coefficient Of Variation | 3987.02 | |||
| Standard Deviation | 2.15 | |||
| Variance | 4.64 | |||
| Information Ratio | 0.054 | |||
| Jensen Alpha | 0.1289 | |||
| Total Risk Alpha | 0.2196 | |||
| Sortino Ratio | 0.0551 | |||
| Treynor Ratio | 0.0375 | |||
| Maximum Drawdown | 10.82 | |||
| Value At Risk | (2.82) | |||
| Potential Upside | 3.27 | |||
| Downside Variance | 4.46 | |||
| Semi Variance | 3.81 | |||
| Expected Short fall | (1.92) | |||
| Skewness | (0.17) | |||
| Kurtosis | 1.41 |
Consider US Century's intraday indicators
US Century intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of US Century stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Accumulation Distribution | 1711.02 | |||
| Daily Balance Of Power | (0.89) | |||
| Rate Of Daily Change | 0.98 | |||
| Day Median Price | 18.79 | |||
| Day Typical Price | 18.81 | |||
| Price Action Indicator | (0.11) | |||
| Period Momentum Indicator | (0.34) | |||
| Relative Strength Index | 47.97 |
US Century Corporate Filings
10K | 14th of March 2025 Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance | ViewVerify |
F4 | 12th of March 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 24th of January 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
10Q | 12th of November 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
USCB Stock media impact
Far too much social signal, news, headlines, and media speculation about US Century that are available to investors today. That information is available publicly through USCB media outlets and privately through word of mouth or via USCB internal channels. However, regardless of the origin, that massive amount of USCB data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of US Century news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of US Century relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to US Century's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive US Century alpha.
US Century Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards US Century can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
US Century Corporate Management
| Jalal Esq | Sec Counsel | Profile | |
| Roberto CPA | Controller Officer | Profile | |
| Benigno CPA | Ex Officer | Profile | |
| Maricarmen Logrono | Executive Officer | Profile | |
| Martha GuerraKattou | Executive Marketing | Profile |
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in US Century Bank. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in main economic indicators. You can also try the Portfolio Rebalancing module to analyze risk-adjusted returns against different time horizons to find asset-allocation targets.
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. All the valuation information about US Century listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 1.42 | Dividend Share 0.2 | Earnings Share 1.24 | Revenue Per Share | Quarterly Revenue Growth 0.543 |
The market value of US Century Bank is measured differently than its book value, which is the value of USCB that is recorded on the company's balance sheet. Investors also form their own opinion of US Century's value that differs from its market value or its book value, called intrinsic value, which is US Century's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because US Century's market value can be influenced by many factors that don't directly affect US Century's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between US Century's value and its price, as these two are different measures arrived at by various 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. However, US Century's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.