USCB FINANCIAL HOLDINGS, INC. USCB
Last close
23.48
2026-09-04
Market cap
$433.8M
2026-06-30 share count
52-week range
16.36 - 23.89
Valuation FY2025 figures against the last close
P/S3.0x
P/E17.7x
P/FCF10.2x
EV/EBITDA—
Dividend yield1.8%
Diluted EPS1.33
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| 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 | 1.34 | 1.25 | — | — | — | — | — |
| EPS, diluted | 1.33 | 1.24 | — | — | — | — | — |
| Shares, diluted (wtd. avg.) | $19.7M | $19.8M | — | — | — | — | — |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| 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 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| 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.
Others in SIC 6022
| Ticker | Company | Market cap | P/E | Revenue growth |
|---|---|---|---|---|
| BNY | Bank of New York Mellon Corp | $111.84B | 22.3x | 7.8% |
| STT | STATE STREET CORP | $53.36B | 20.7x | 7.3% |
| FITB | FIFTH THIRD BANCORP | $49.76B | 15.5x | -5.0% |
| MTB | M&T BANK CORP | $34.64B | 14.1x | 7.5% |
| NTRS | NORTHERN TRUST CORP | $34.15B | 21.4x | 6.1% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | $29.81B | 18.3x | 6.7% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | $25.48B | 13.4x | -2.2% |
| EWBC | EAST WEST BANCORP INC | $17.92B | 13.7x | 2.4% |