USCB

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USCB Financial Holdings, Inc.

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Key Metrics

Previous Close: $22.55
52-Week Range: $16.36 – $23.89
Market Cap: $414.57M
P/E (TTM): 14.38
EPS (TTM): 1.56
Dividend Yield: 2.11%

Advanced Metrics

Price/Book: 1.78
PEG Ratio: —
Return on Equity: 12.36%
Return on Assets: 1.00%
Gross Margin: 0.00%
Operating Margin: 49.14%
Profit Margin: 30.41%
Current Ratio: —
Debt/Equity: —
Total Debt: $299.52M
Free Cash Flow: —
Revenue Growth: 14.10%
Earnings Growth: 22.50%
Enterprise Value: $589.22M

USCB Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$68.73M	$65.97M	$82.68M	$90.22M
Selling, General & Admin	$23.94M	$24.43M	$28.79M	$32.17M
Pretax Income	$27.09M	$21.80M	$32.48M	$35.92M
Income Tax	$6.94M	$5.25M	$7.80M	$9.82M
Net Income	$20.14M	$16.55M	$24.67M	$26.10M
Diluted EPS	1.00	0.84	1.24	1.34
Diluted Shares	20.18M	19.69M	19.83M	19.65M

USCB Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$54.17M	$41.06M	$77.03M	$38.48M
Receivables	$7.55M	$10.69M	$10.95M	$11.66M
Total Assets	$2.09B	$2.34B	$2.58B	$2.79B
Long-Term Debt	$46.00M	$178.00M	$163.00M	$197.55M
Total Debt	$60.40M	$194.42M	$171.45M	$203.07M
Total Liabilities	$1.90B	$2.15B	$2.37B	$2.57B
Retained Earnings	-$104.10M	-$88.55M	-$67.81M	-$49.54M
Shareholders' Equity	$182.43M	$191.97M	$215.39M	$217.18M
Net Debt	—	$141.94M	$85.97M	$159.07M

USCB Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$29.54M	$22.55M	$34.84M	$42.80M
Capital Expenditure	-$673.00K	-$163.00K	-$314.00K	-$303.00K
Free Cash Flow	$28.86M	$22.38M	$34.52M	$42.50M
Depreciation & Amortisation	$688.00K	$590.00K	$587.00K	$619.00K
Stock-Based Compensation	$523.00K	$1.01M	$2.13M	$3.00M
Investing Cash Flow	-$270.60M	-$273.00M	-$212.61M	-$245.41M
Financing Cash Flow	$249.00M	$237.35M	$213.74M	$164.05M
Dividends Paid	—	$0.00	-$3.94M	-$7.83M
Share Repurchases	$0.00	-$7.58M	-$501.00K	-$34.55M
Net Change in Cash	$7.94M	-$13.11M	$35.97M	-$38.56M

USCB Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$24.40M	$24.96M	$18.03M	$26.20M	$27.95M
Selling, General & Admin	$7.95M	$7.91M	$8.67M	$8.57M	$8.54M
Pretax Income	$10.74M	$11.80M	$3.27M	$11.69M	$12.71M
Income Tax	$2.60M	$2.87M	$1.91M	$2.33M	$3.64M
Net Income	$8.14M	$8.94M	$1.36M	$9.35M	$9.08M
Diluted EPS	0.40	0.45	—	0.51	0.49
Diluted Shares	20.30M	19.76M	—	18.45M	18.51M

USCB Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$54.82M	$56.81M	$38.48M	$78.96M	$118.15M
Receivables	$11.29M	$12.13M	$11.66M	$11.77M	$11.67M
Total Assets	$2.72B	$2.77B	$2.79B	$2.85B	$3.02B
Long-Term Debt	$102.00M	$50.26M	$197.55M	$92.34M	$280.28M
Total Debt	$115.05M	$56.54M	$203.07M	$97.09M	$292.90M
Total Liabilities	$2.49B	$2.56B	$2.57B	$2.62B	$2.79B
Retained Earnings	-$56.02M	-$49.09M	-$49.54M	-$42.47M	-$35.69M
Shareholders' Equity	$231.58M	$209.09M	$217.18M	$223.25M	$233.24M
Net Debt	$53.18M	—	$159.07M	$13.38M	$162.12M

USCB Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$18.04M	$20.15M	-$10.01M	$15.28M	$24.65M
Capital Expenditure	-$48.00K	-$114.00K	-$95.00K	-$320.00K	-$442.00K
Free Cash Flow	$17.99M	$20.03M	-$10.11M	$14.96M	$24.21M
Depreciation & Amortisation	$150.00K	$158.00K	$163.00K	$166.00K	$179.00K
Stock-Based Compensation	$774.00K	$774.00K	$749.00K	$889.00K	$874.00K
Investing Cash Flow	-$85.52M	-$44.22M	-$43.51M	-$14.95M	-$132.13M
Financing Cash Flow	$24.31M	$26.07M	$35.19M	$40.16M	$146.68M
Dividends Paid	-$2.00M	-$2.01M	-$1.81M	-$2.28M	-$2.29M
Share Repurchases	$0.00	-$34.38M	$0.00	-$1.00M	$0.00
Net Change in Cash	-$43.16M	$1.99M	-$18.33M	$40.49M	$39.19M

Market Snapshot

About

USCB Financial Holdings is the bank holding company for U.S. Century Bank, a community bank serving businesses and individuals in South Florida. The bank focuses on commercial and residential real estate lending, commercial business lending, and deposit services for its local market. USCB emphasizes relationship banking with personalized service to small and mid-sized businesses.