What is USCB Financial Holdings, Inc.'s Shariah compliance score?

USCB Financial Holdings, Inc.'s (USCB) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does USCB Financial Holdings, Inc. pass AAOIFI screening?

USCB Financial Holdings, Inc. (USCB) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (USCB: 24.3%), (3) interest-bearing deposits below 30% (USCB: 22.0%), and (4) prohibited income below 5% (USCB: 95.7%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for USCB Financial Holdings, Inc. stock?

USCB Financial Holdings, Inc. (USCB) has a non-permissible income ratio of 95.67%. Muslim investors should purify this percentage of any dividends received and capital gains realized from USCB shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen USCB Financial Holdings, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for USCB Financial Holdings, Inc. (USCB) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about USCB's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

USCB: Is USCB Financial Holdings, Inc. Halal?

USCB Financial Holdings, Inc.

NASDAQFinancial ServicesUS

$20.16

+0.60%

Market Cap: 368.2M

Compliance Status

Not Halal

Screened on Jul 19, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is USCB Financial Holdings, Inc. (USCB) halal? Not Halal. Based on AAOIFI screening, USCB Financial Holdings, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Close to the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

24.3% of 30.0% limit

What this means for you

Most scholars advise not holding USCB

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About USCB Financial Holdings, Inc.

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. 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 clients title insurance policies for real estate transactions. The company was founded in 2002 and is headquartered in Doral, Florida.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 19, 2026

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: FY 2025Data source: FMP

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

SPDR Gold Shares

$368.41

+0.17%

SLVA+

iShares Silver Trust

$50.78

+0.47%

PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

More Financial Services Stocks

JPM

JPMorgan Chase & Co.

Visa Inc.

Mastercard Incorporated

A+

PYPL

PayPal Holdings, Inc.

C+

BAC

Bank of America Corporation

WFC

Wells Fargo & Company

Free · No credit card required

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Frequently Asked Questions

Is USCB Financial Holdings, Inc. (USCB) halal to invest in?

USCB Financial Holdings, Inc. (USCB) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did USCB Financial Holdings, Inc. get a F compliance rating?

USCB Financial Holdings, Inc. (USCB) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 24.3% (limit 30%); interest-bearing deposits of 22.0% (limit 30%); prohibited income of 95.67% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change USCB Financial Holdings, Inc.'s Shariah verdict?

USCB Financial Holdings, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is USCB Financial Holdings, Inc. re-screened for Shariah compliance?

USCB Financial Holdings, Inc. (USCB) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 19, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.