The tug of war between China’s push for petroyuan and the deep pool of “sinodollars” is keeping global attention firmly on the US dollar and the assets tied to it. If demand for dollar-based securities stays strong, some large financial stocks linked to US markets could stand out, for better or worse, as global capital looks for scale, liquidity, and perceived stability. This article looks at three stocks from our US Dollar Asset Beneficiaries screener that have clear exposure to these currency and capital flow trends. It aims to help you decide whether they deserve a closer look in your own research.

USCB Financial Holdings (USCB)

Overview: USCB Financial Holdings is a Florida based bank that, through U.S. Century Bank, focuses on personal and business customers with a tilt toward commercial real estate, small business lending, and specialized services for homeowners associations, private clients, and correspondent banks in Latin America and the Caribbean.

Operations: USCB Financial Holdings generates all of its US$91.2 million in revenue from banking activities in the United States.

Market Cap: US$349.8 million

USCB Financial Holdings provides exposure to the US dollar based banking system at a time when global demand for dollar assets remains strong. Its focus on South Florida business, commercial real estate, and association banking links it to one of the most active regional economies in the country. Earnings are described as high quality, the bank is reporting solid profitability, and analysts still see upside from current prices, yet the stock has lagged the wider US banks sector and carries concentration risk in commercial real estate and unrealized losses in securities. Recent board and credit leadership refreshes, combined with growing correspondent banking relationships tied to international capital flows, indicate there is more to this story than the headline numbers suggest.

USCB Financial Holdings looks like a South Florida growth story that the market has not fully credited, yet its concentration in commercial real estate and securities losses could be masking the real risk reward balance, so it is worth reading the 3 key rewards and 1 important warning sign

FinWise Bancorp (FINW)

Overview: FinWise Bancorp is the holding company for FinWise Bank, a Utah based lender that blends traditional community banking with fintech partnerships, offering deposit products, payment services, and a range of consumer, small business, commercial, and real estate loans.

Operations: FinWise Bancorp generates US$105.5 million in revenue from banking activities in the United States.

Market Cap: US$194.4 million

FinWise Bancorp gives you exposure to US dollar based lending and payment flows at a time when global demand for dollar assets is still central to the financial system. Its fintech partnerships are aimed at growing higher yielding, tech enabled lending and fee income. Analysts expect strong revenue and earnings growth and see upside to the current share price. However, credit costs have risen, bad loans are elevated at 8.2%, and allowances are described as low, which could pressure margins if stresses persist. A fresh CEO, an active buyback authorization, and a focus on proprietary technology and lower cost deposits indicate there is more going on under the surface of FinWise than the headline P/E or recent share performance might suggest.

FinWise Bancorp’s tech driven lending engine and rising credit strain make an unusual mix, and the real tension sits inside the analyst forecasts for FinWise Bancorp that could show whether current risk is masking something bigger

CF Bankshares (CFBK)

Overview: CF Bankshares is a Columbus, Ohio based community bank that offers a broad mix of retail and commercial banking services, including checking and savings accounts, single family and multi family mortgages, commercial real estate and business loans, equipment leases, and consumer lending, all supported by online and mobile banking.

Operations: CF Bankshares generates US$53.4 million in revenue from financial services in the United States.

Market Cap: US$194.9 million

CF Bankshares gives you exposure to a pure US dollar banking franchise as global capital continues to favor dollar assets, and the company pairs that backdrop with recent momentum in its own numbers. Earnings grew 22.8% over the past year with net profit margins at 32.9%. Q1 2026 results show higher net interest income and earnings per share than a year ago. The stock trades at a P/E of 11.1x, below both peer and industry averages, while our estimate of fair value sits above the current US$30 share price. Regular common and preferred dividends and refreshed leadership in residential mortgage lending may add to the appeal, but investors still need to weigh the low allowance for bad loans and a 9.6% ROE before deciding how comfortable they are with the risk return trade off.

CF Bankshares’ earnings momentum, 32.9% margin and 11.1x P/E hint that the market may be missing something, and the low allowance for bad loans could be the clue worth unpacking in the analysis report for CF Bankshares

The three stocks covered here are just the starting point, as the full US Dollar Asset Beneficiaries screener surfaces 41 more companies across the US, UK, and Canada with equally compelling dollar asset stories and potential catalysts. Use Simply Wall St to identify, filter, and analyze the specific narratives that matter to you so you can focus on the highest conviction opportunities tied to US dollar asset demand.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.