USCB FINANCIAL HOLDINGS, INC. USCB

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

Last close 19.99 2026-10-23
Market cap $369.3M 2026-06-30 share count
52-week range 17.00 - 23.89

Valuation FY2025 figures against the last close

P/S2.5x
P/E15.0x
P/FCF8.7x
EV/EBITDA—
Dividend yield2.1%
Diluted EPS1.33

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Revenue $145.5M$131.2M$101.0M$71.1M$56.7M$52.6M—
Interest expense $83.6M$69.9M$58.6M$7.4M$4.2M$9.0M—
Pre-tax income $35.9M$32.5M$21.8M$27.1M$27.7M$13.4M—
Income tax $9.8M$7.8M$5.3M$6.9M$6.6M$2.6M—
Net income $26.1M$24.7M$16.5M$20.1M$21.1M$10.8M—
EPS, basic 1.341.25—————
EPS, diluted 1.331.24—————
Shares, diluted (wtd. avg.) 19.7M19.8M—————

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Cash and equivalents $38.5M$77.0M$41.1M$54.2M$46.2M$47.7M$35.7M
Property, plant and equipment $4.2M$4.6M$4.8M$5.3M$5.3M$6.3M—
Total assets $2.79B$2.58B$2.34B$2.09B$1.85B$1.50B—
Total liabilities $2.57B$2.37B$2.15B$1.90B$1.65B$1.33B—
Retained earnings -$49.5M-$67.8M-$88.5M-$104.1M-$124.2M-$53.6M—
Total equity $217.2M$215.4M$192.0M$182.4M$203.9M$171.0M$160.3M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Operating cash flow $42.8M$34.8M$22.5M$29.5M$22.1M$13.1M—
Depreciation and amortisation $619.0K$587.0K$590.0K$688.0K$1.0M$1.3M—
Stock-based compensation $3.0M$2.1M$1.0M$523.0K$287.0K$187.0K—
Capital expenditure $303.0K$314.0K$163.0K$673.0K$633.0K$347.0K—
Investing cash flow -$245.4M-$212.6M-$273.0M-$270.6M-$359.4M-$178.8M—
Financing cash flow $164.0M$213.7M$237.3M$249.0M$335.8M$177.7M—
Dividends paid $7.8M$3.9M——$2.1M$3.1M—
Buybacks $34.6M$501.0K$7.6M————

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001562762-26-000027.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 50M 100M 150M Revenue, FY2020: 52.6M Net income, FY2020: 10.8M Revenue, FY2021: 56.7M Net income, FY2021: 21.1M Revenue, FY2022: 71.1M Net income, FY2022: 20.1M Revenue, FY2023: 101M Net income, FY2023: 16.5M Revenue, FY2024: 131.2M Net income, FY2024: 24.7M Revenue, FY2025: 145.5M Net income, FY2025: 26.1M FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue — $52.6M $56.7M $71.1M $101.0M $131.2M $145.5M
Gross profit — — — — — — —
Net income — $10.8M $21.1M $20.1M $16.5M $24.7M $26.1M

Recent filings and events

  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Item 7.01
  • Regulation FD disclosure Item 7.01
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Other event Item 8.01
  • Material agreement terminated An agreement that mattered has ended. Often the other half of a deal that fell through. Item 1.02
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Regulation FD disclosure Item 7.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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