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USCB Financial Holdings, Inc.(USCB)Earnings, Financials & Key Ratios
USCB•NASDAQ•Banking & Credit
15.0× P/E·Price updated Jun 13, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutUSCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various banking products and services to small-to-medium sized businesses. The company accepts checking, savings, money market, and time deposit accounts; and certificates of deposit. Its loan products include residential real estate loans; commercial real estate loans; commercial and industrial loans; foreign banks loans; and secured and unsecured consumer loans comprising personal loans, overdrafts, and deposit account collateralized loans. The company also offers treasury, commercial payments, cash management, and online banking services. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida.Show more
- Net Interest Income$84M+19.6%
- Total Revenue$152M+5.6%
- Net Income$26M+5.8%
- Return on Equity12.2%+0.7%
- Net Interest Margin2.99%+10.2%
- Efficiency Ratio34.51%+5.6%
- ROA0.97%-3.3%
- Equity / Assets7.59%-9.1%
- Book Value per Share11.58+6.6%
- Tangible BV/Share11.58+6.6%
- Debt/Equity0.43-46.3%
USCB Key Insights
USCB Financial Holdings, Inc. (USCB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 19.3%
- ✓Efficient operations: 34.5% efficiency ratio
- ✓Healthy dividend yield of 2.2%
- ✓Share count reduced 7.5% through buybacks
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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USCB Price & Volume
USCB Financial Holdings, Inc. (USCB) stock price & volume — 10-year historical chart
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USCB Growth Metrics
USCB Financial Holdings, Inc. (USCB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years20.96%
3 Years25.92%
TTM-
Profit CAGR
10 Years-
5 Years19.26%
3 Years9.02%
TTM5.78%
EPS CAGR
10 Years-
5 Years25.96%
3 Years9.14%
TTM5.69%
Return on Capital
10 Years7.4%
5 Years9.79%
3 Years8.8%
Last Year10.78%
USCB Recent Earnings
USCB Financial Holdings, Inc. (USCB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 5/12 qtrs (50%)●Beat Revenue 6/12 qtrs (60%)
Q2 2026Latest
Apr 23, 2026EPS
$0.47
Est $0.48
-2.1%
Revenue
$26M
Est $26M
+0.9%
Q2 2026
Mar 13, 2026EPS
$0.08
Est $0.50
-85.1%
Revenue
$33M
Est $26M
+27.0%
Q1 2026
Jan 22, 2026EPS
$0.44
Est $0.51
-13.7%
Revenue
$26M
Est $26M
-3.1%
Q4 2025
Oct 23, 2025EPS
$0.45
Est $0.42
+7.1%
Revenue
$25M
Est $26M
-2.7%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.47vs $0.48-2.1% | $26Mvs $26M+0.9% |
| Q2 2026 | Mar 13, 2026 | $0.08vs $0.50-85.1% | $33Mvs $26M+27.0% |
| Q1 2026 | Jan 22, 2026 | $0.44vs $0.51-13.7% | $26Mvs $26M-3.1% |
| Q4 2025 | Oct 23, 2025 | $0.45vs $0.42+7.1% | $25Mvs $26M-2.7% |
Based on last 12 quarters of dataView full earnings history →
USCB Peer Comparison
USCB Financial Holdings, Inc. (USCB) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 OCFC | 1.07B | 18.60 | 15.90 | -4.7% | 10.75% | 4.26% | 0.98 | |
 BSRR | 532.63M | 40.68 | 13.08 | 5.67% | 21.67% | 11.82% | 1.42 | |
 CFFN | 1.07B | 8.25 | 15.87 | 10.03% | 17.07% | 6.99% | 1.86 | |
 NBTB | 2.52B | 48.18 | 14.47 | 10.36% | 18.76% | 9.51% | 0.17 | |
 CZNC | 395.24M | 22.06 | 15.11 | -0.82% | 10.52% | 5.54% | 0.56 | |
 IBCP | 730.38M | 35.48 | 10.85 | -0.3% | 22.12% | 14.2% | 0.23 | |
 FXNC | 272.95M | 30.19 | 15.40 | 27.11% | 15.35% | 9.98% | 0.23 | |
 CFFI | 251.35M | 77.20 | 9.31 | 11.78% | 14.6% | 10.82% | 0.44 |
Compare USCB vs Peers
USCB Financial Holdings, Inc. (USCB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
USCB Income Statement
USCB Financial Holdings, Inc. (USCB) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|
Net Interest Income | 0 | 43.6M | 52.5M | 63.66M | 58.57M | 69.94M | 83.63M |
NII Growth % | - | - | 20.41% | 21.27% | -8% | 19.41% | 19.58% |
Net Interest Margin % | 0% | 2.9% | 2.83% | 3.05% | 2.5% | 2.71% | 2.99% |
Interest Income | 0 | 52.63M | 56.72M | 71.1M | 101.02M | 131.23M | 145.49M |
Interest Expense | 0 | 9.04M | 4.23M | 7.44M | 42.45M | 61.3M | 61.86M |
Loan Loss Provision | 0 | 3.25M | -160K | 2.5M | 2.37M | 3.16M | 1.82M |
Non-Interest Income | 44.75M | 6.1M | 7.21M | 5.07M | 7.4M | 12.74M | 6.59M |
Non-Interest Income % | 100% | 10.38% | 11.28% | 6.65% | 6.83% | 8.85% | 4.33% |
Total Revenue | 44.75M▲ 0% | 58.73M▲ 31.2% | 63.94M▲ 8.9% | 76.17M▲ 19.1% | 108.42M▲ 42.3% | 143.97M▲ 32.8% | 152.08M▲ 5.6% |
Revenue Growth % | - | 31.25% | 8.87% | 19.13% | 42.35% | 32.79% | 5.63% |
Non-Interest Expense | 30.98M | 33.04M | 32.19M | 39.15M | 41.81M | 47.04M | 52.49M |
Efficiency Ratio | 69.24% | 56.25% | 50.35% | 51.4% | 38.56% | 32.67% | 34.51% |
Operating Income | 14.1M▲ 0% | 13.41M▼ 4.9% | 27.68M▲ 106.4% | 27.09M▼ 2.1% | 21.8M▼ 19.5% | 32.48M▲ 49.0% | 35.92M▲ 10.6% |
Operating Margin % | 31.52% | 22.83% | 43.29% | 35.56% | 20.1% | 22.56% | 23.62% |
Operating Income Growth % | - | -4.93% | 106.42% | -2.14% | -19.53% | 49% | 10.59% |
Pretax Income | 13.77M▲ 0% | 13.41M▼ 2.6% | 27.68M▲ 106.4% | 27.09M▼ 2.1% | 21.8M▼ 19.5% | 32.48M▲ 49.0% | 35.92M▲ 10.6% |
Pretax Margin % | 30.76% | 22.83% | 43.29% | 35.56% | 20.1% | 22.56% | 23.62% |
Income Tax | 3.38M | 2.59M | 6.6M | 6.94M | 5.25M | 7.8M | 9.82M |
Effective Tax Rate % | 24.52% | 19.3% | 23.85% | 25.64% | 24.09% | 24.03% | 27.33% |
Net Income | 10.39M▲ 0% | 10.82M▲ 4.1% | 21.08M▲ 94.8% | 20.14M▼ 4.4% | 16.55M▼ 17.9% | 24.67M▲ 49.1% | 26.1M▲ 5.8% |
Net Margin % | 23.22% | 18.42% | 32.97% | 26.44% | 15.26% | 17.14% | 17.16% |
Net Income Growth % | - | 4.13% | 94.8% | -4.44% | -17.85% | 49.13% | 5.78% |
Net Income (Continuing) | 10.39M | 10.82M | 21.08M | 20.14M | 16.55M | 24.67M | 26.1M |
EPS (Diluted) | 1.03▲ 0% | 0.41▼ 60.2% | -6.72▼ 1739.0% | 1.00▲ 114.9% | 0.84▼ 16.0% | 1.24▲ 47.6% | 1.30▲ 4.8% |
EPS Growth % | - | -60.19% | -1739.02% | 114.88% | -16% | 47.62% | 4.84% |
EPS (Basic) | 1.03 | 0.41 | -6.72 | 1.01 | 0.84 | 1.25 | 1.34 |
Diluted Shares Outstanding | 10.06M | 19.38M | 19.57M | 20.18M | 19.69M | 19.83M | 18.35M |
USCB Balance Sheet
USCB Financial Holdings, Inc. (USCB) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 35.74M | 47.73M | 46.23M | 54.17M | 270.39M | 294.24M | 82.34M |
Cash & Due from Banks | 35.74M | 47.73M | 46.23M | 54.17M | 41.06M | 77.03M | 82.34M |
Short Term Investments | 0 | 0 | 0 | 0 | 229.33M | 217.2M | 0 |
Total Investments | 0 | 1.36B | 1.7B | 1.91B | 2.16B | 2.37B | 487.63M |
Investments Growth % | - | - | 25.15% | 12.33% | 13.38% | 9.69% | -79.46% |
Long-Term Investments | 0 | 1.36B | 1.7B | 1.91B | 1.93B | 2.16B | 487.63M |
Accounts Receivables | 0 | 5.55M | 5.97M | 7.55M | 10.69M | 10.95M | 0 |
Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PP&E (Net) | 24.61M | 20.86M | 19.46M | 19.66M | 16.26M | 13.01M | 0 |
Other Assets | 1.25B | 30.7M | 48.12M | 53.41M | 69.76M | 76.88M | 2.13B |
Total Current Assets | 35.74M | 53.28M | 52.2M | 61.71M | 281.08M | 305.18M | 82.34M |
Total Non-Current Assets | 1.28B | 1.45B | 1.8B | 2.02B | 2.06B | 2.28B | 2.62B |
Total Assets | 1.31B▲ 0% | 1.5B▲ 14.4% | 1.85B▲ 23.5% | 2.09B▲ 12.5% | 2.34B▲ 12.1% | 2.58B▲ 10.4% | 2.8B▲ 8.5% |
Asset Growth % | - | 14.44% | 23.45% | 12.51% | 12.14% | 10.35% | 8.47% |
Return on Assets (ROA) | 0.79% | 0.77% | 1.26% | 1.02% | 0.75% | 1% | 0.97% |
Accounts Payable | 0 | 6.83M | 9.48M | 13.73M | 15.56M | 20.37M | 2.45B |
Total Debt | 41M | 50.51M | 50.19M | 60.4M | 194.42M | 171.45M | 90.75M |
Net Debt | 5.26M | 2.78M | 3.96M | 6.23M | 153.36M | 94.42M | 8.41M |
Long-Term Debt | 41M | 36M | 36M | 46M | 178M | 147M | 39.29M |
Short-Term Debt | 0 | 0 | 0 | 0 | 5M | 16M | 51.46M |
Other Liabilities | 1.11B | 0 | 0 | 0 | 0 | 0 | 0 |
Total Current Liabilities | 446K | 1.28B | 1.6B | 1.84B | 1.96B | 2.21B | 2.5B |
Total Non-Current Liabilities | 1.15B | 50.51M | 50.19M | 60.4M | 189.42M | 155.45M | 39.29M |
Total Liabilities | 1.15B | 1.33B | 1.65B | 1.9B | 2.15B | 2.37B | 2.59B |
Total Equity | 160.28M▲ 0% | 171M▲ 6.7% | 203.9M▲ 19.2% | 182.43M▼ 10.5% | 191.97M▲ 5.2% | 215.39M▲ 12.2% | 212.39M▼ 1.4% |
Equity Growth % | - | 6.69% | 19.24% | -10.53% | 5.23% | 12.2% | -1.39% |
Equity / Assets (Capital Ratio) | 12.21% | 11.39% | 11% | 8.75% | 8.21% | 8.34% | 7.59% |
Return on Equity (ROE) | 6.48% | 6.53% | 11.24% | 10.43% | 8.84% | 12.11% | 12.2% |
Book Value per Share | 15.93 | 8.82 | 10.42 | 9.04 | 9.75 | 10.86 | 11.58 |
Tangible BV per Share | 15.93 | 8.82 | 10.42 | 9.04 | 9.75 | 10.86 | 11.58 |
Common Stock | 10.01M | 10.01M | 19.99M | 20M | 19.57M | 19.93M | 20.08M |
Additional Paid-in Capital | 177.56M | 177.75M | 310.67M | 311.28M | 305.21M | 307.81M | 277.89M |
Retained Earnings | -61.31M | -53.62M | -124.25M | -104.1M | -88.55M | -67.81M | -67.81M |
Accumulated OCI | 1.96M | 4.78M | -2.52M | -44.75M | -44.27M | -44.53M | -17.76M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 32.08M | 32.08M | 0 | 0 | 0 | 0 | 0 |
USCB Cash Flow Statement
USCB Financial Holdings, Inc. (USCB) cash flow — operating, investing & free cash flow history
| Metric | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|
Cash from Operations | 14.34M | 13.1M | 22.05M | 29.54M | 22.55M | 34.09M | 42.8M |
Operating CF Growth % | - | -8.6% | 68.3% | 33.95% | -23.67% | 51.2% | 25.56% |
Net Income | 10.39M | 10.82M | 21.08M | 20.14M | 16.55M | 24.67M | 26.1M |
Depreciation & Amortization | 1.23M | 1.27M | 1.03M | 688K | 590K | 587K | 0 |
Deferred Taxes | -398K | 2.59M | 6.6M | 6.95M | 5.25M | 7.72M | 0 |
Other Non-Cash Items | 2.55M | -1.04M | -6.9M | 2.01M | 311K | 844K | 17.73M |
Working Capital Changes | 362K | -727K | -46K | -768K | -1.16M | -1.87M | -1.03M |
Cash from Investing | -127.08M | -178.78M | -359.36M | -270.6M | -273M | -211.86M | -245.41M |
Purchase of Investments | 0 | -253.99M | -316.68M | -67.85M | -127.17M | -85.67M | -139.84M |
Sale/Maturity of Investments | 0 | 105.75M | 116.76M | 113.64M | 140.91M | 65.26M | 116.8M |
Net Investment Activity | 0 | -148.24M | -199.93M | 45.79M | 13.75M | -20.41M | -23.05M |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -126.21M | -30.19M | -158.8M | -315.72M | -286.59M | -191.13M | -218.06M |
Cash from Financing | 123.14M | 177.67M | 335.81M | 249M | 237.35M | 213.74M | 164.05M |
Dividends Paid | -1.83M | -3.13M | -2.08M | 0 | 0 | -3.94M | -7.83M |
Share Repurchases | 0 | 0 | 0 | 0 | -7.58M | -501K | -34.55M |
Stock Issued | 0 | 15K | 39.83M | 102K | 75K | 1.32M | 804K |
Net Stock Activity | 0 | 15K | 39.83M | 102K | -7.51M | 818K | -33.75M |
Debt Issuance (Net) | -1000K | -1000K | 0 | 1000K | 1000K | -1000K | 1000K |
Other Financing | 130.96M | 255.78M | 316.98M | 238.9M | 107.86M | 236.87M | 171.08M |
Net Change in Cash | 35.74M▲ 0% | 11.99M▼ 66.4% | -1.51M▼ 112.6% | 7.94M▲ 627.2% | -13.11M▼ 265.1% | 35.97M▲ 374.5% | -38.56M▼ 207.2% |
Exchange Rate Effect | 25.35M | 0 | 0 | 0 | 0 | 0 | 38.56M |
Cash at Beginning | 0 | 35.74M | 47.73M | 46.23M | 54.17M | 41.06M | 77.03M |
Cash at End | 35.74M | 47.73M | 46.23M | 54.17M | 41.06M | 77.03M | 38.48M |
Interest Paid | 0 | 8.84M | 4.29M | 7.31M | 41.31M | 60.54M | 0 |
Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Free Cash Flow | 13.46M▲ 0% | 12.76M▼ 5.3% | 21.42M▲ 67.9% | 28.86M▲ 34.8% | 22.38M▼ 22.5% | 33.78M▲ 50.9% | 42.5M▲ 25.8% |
FCF Growth % | - | -5.27% | 67.92% | 34.77% | -22.45% | 50.9% | 25.83% |
USCB Banking Ratios
USCB Financial Holdings, Inc. (USCB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 6.48% | 6.53% | 11.24% | 10.43% | 8.84% | 12.11% | 12.2% |
| Return on Assets (ROA) | 0.79% | 0.77% | 1.26% | 1.02% | 0.75% | 1% | 0.97% |
| Net Interest Margin | 0% | 2.9% | 2.83% | 3.05% | 2.5% | 2.71% | 2.99% |
| Efficiency Ratio | 69.24% | 56.25% | 50.35% | 51.4% | 38.56% | 32.67% | 34.51% |
| Equity / Assets | 12.21% | 11.39% | 11% | 8.75% | 8.21% | 8.34% | 7.59% |
| Book Value / Share | 15.93 | 8.82 | 10.42 | 9.04 | 9.75 | 10.86 | 11.58 |
| NII Growth | - | - | 20.41% | 21.27% | -8% | 19.41% | 19.58% |
| Dividend Payout | 17.57% | - | - | - | - | - | 30% |
Related:USCB Dividend History·USCB Revenue History·USCB Price History·USCB P/E History·USCB Financial Ratios·USCB Institutional Holders
USCB SEC Filings & Documents
USCB Financial Holdings, Inc. (USCB) SEC filings — annual & quarterly reports (10-K, 10-Q)
USCB Frequently Asked Questions
USCB Financial Holdings, Inc. (USCB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
USCB Financial Holdings, Inc. (USCB) grew revenue by 5.6% over the past year. This is steady growth.
Yes, USCB Financial Holdings, Inc. (USCB) is profitable, generating $26.1M in net income for fiscal year 2025 (17.2% net margin).
Dividend & Returns
Yes, USCB Financial Holdings, Inc. (USCB) pays a dividend with a yield of 2.18%. This makes it attractive for income-focused investors.
USCB Financial Holdings, Inc. (USCB) has a return on equity (ROE) of 12.2%. This is reasonable for most industries.
Industry Metrics
USCB Financial Holdings, Inc. (USCB) has a net interest margin (NIM) of 3.0%. NIM has been under pressure due to interest rate environment.
USCB Financial Holdings, Inc. (USCB) has an efficiency ratio of 34.5%. This is excellent, indicating strong cost control.