USCB Financial Holdings, Inc. (USCB) 10-Year Financial Performance & Capital Metrics

USCB • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community 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 $70M +19.4%
Total Revenue $144M +32.8%
Net Income $25M +49.1%
Return on Equity 12.11% +37.1%
Net Interest Margin 2.71% +8.2%
Efficiency Ratio 32.67% -15.3%
ROA 1% +34.1%
Equity / Assets 8.34% +1.7%
Book Value per Share 10.86 +11.4%
Tangible BV/Share 10.86 +11.4%
Debt/Equity 0.80 -21.4%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 18.9%
✓Efficient operations: 32.7% efficiency ratio
✓Trading near 52-week high

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y26.33%

3Y31.07%

TTM-

Profit (Net Income) CAGR

10Y-

5Y18.88%

3Y5.39%

TTM70.79%

EPS CAGR

10Y-

5Y3.78%

3Y-

TTM68.97%

ROCE

10Y Avg6.83%

5Y Avg7.98%

3Y Avg8.84%

Latest8.63%

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.68B	32.65	20.93	18.79%	30.24%	14.14%	6.26%	0.12
FHNFirst Horizon Corporation	11.85B	24.44	17.97	4.71%	15.7%	9.58%	10.33%	0.50
AUBAtlantic Union Bankshares Corporation	5.47B	38.36	17.13	28.8%	15.53%	4.22%	5.51%	0.17
UCBUnited Community Banks, Inc.	4.09B	33.91	16.62	14.65%	17.05%	8.83%	7.4%	0.13
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
PNFPPinnacle Financial Partners, Inc.	14.67B	97.65	16.38	15.32%	16.65%	9.1%	5.5%	0.39
CADECadence Bank	8.27B	44.40	16.03	32.37%	18.03%	9.08%	9.39%	0.01
ABCBAmeris Bancorp	5.56B	81.41	15.69	9.75%	21.97%	9.91%	2.53%	0.11

Profit & Loss

	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	0	43.6M	52.5M	63.66M	58.57M	69.94M
NII Growth %	-	-	0.2%	0.21%	-0.08%	0.19%
Net Interest Margin %	-	-	-	-	-	-
Interest Income	0	52.63M	56.72M	71.1M	101.02M	131.23M
Interest Expense	0	9.04M	4.23M	7.44M	42.45M	61.3M
Loan Loss Provision	0	3.25M	-160K	2.5M	2.37M	3.16M
Non-Interest Income+	44.75M	6.1M	7.21M	5.07M	7.4M	12.74M
Non-Interest Income %	-	-	-	-	-	-
Total Revenue+	44.75M	58.73M	63.94M	76.17M	108.42M	143.97M
Revenue Growth %	-	0.31%	0.09%	0.19%	0.42%	0.33%
Non-Interest Expense	30.98M	33.04M	32.19M	39.15M	41.81M	47.04M
Efficiency Ratio	-	-	-	-	-	-
Operating Income+	14.1M	13.41M	27.68M	27.09M	21.8M	32.48M
Operating Margin %	-	-	-	-	-	-
Operating Income Growth %	-	-0.05%	1.06%	-0.02%	-0.2%	0.49%
Pretax Income+	13.77M	13.41M	27.68M	27.09M	21.8M	32.48M
Pretax Margin %	-	-	-	-	-	-
Income Tax+	3.38M	2.59M	6.6M	6.94M	5.25M	7.8M
Effective Tax Rate %	-	-	-	-	-	-
Net Income+	10.39M	10.82M	21.08M	20.14M	16.55M	24.67M
Net Margin %	-	-	-	-	-	-
Net Income Growth %	-	0.04%	0.95%	-0.04%	-0.18%	0.49%
Net Income (Continuing)	10.39M	10.82M	21.08M	20.14M	16.55M	24.67M
EPS (Diluted)+	1.03	0.41	-6.72	1.00	0.84	1.24
EPS Growth %	-	-0.6%	-17.39%	1.15%	-0.16%	0.48%
EPS (Basic)	1.03	0.41	-6.72	1.01	0.84	1.25
Diluted Shares Outstanding	10.06M	19.38M	19.57M	20.18M	19.69M	19.83M

Balance Sheet

	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	35.74M	47.73M	46.23M	54.17M	41.06M	77.03M
Short Term Investments	0	0	0	0	1000K	1000K
Total Investments+	0	1.36B	1.7B	1.91B	2.16B	2.37B
Investments Growth %	-	-	0.25%	0.12%	0.13%	0.1%
Long-Term Investments	0	1.36B	1.7B	1.91B	1.93B	2.16B
Accounts Receivables	0	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0
Intangible Assets	0	0	0	0	0	0
PP&E (Net)	24.61M	20.86M	19.46M	19.66M	16.26M	13.01M
Other Assets	1.25B	30.7M	48.12M	53.41M	69.76M	76.88M
Total Current Assets	35.74M	53.28M	52.2M	61.71M	281.08M	305.18M
Total Non-Current Assets	1.28B	1.45B	1.8B	2.02B	2.06B	2.28B
Total Assets+	1.31B	1.5B	1.85B	2.09B	2.34B	2.58B
Asset Growth %	-	0.14%	0.23%	0.13%	0.12%	0.1%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	0	6.83M	9.48M	13.73M	15.56M	20.37M
Total Debt+	41M	50.51M	50.19M	60.4M	194.42M	171.45M
Net Debt	5.26M	2.78M	3.96M	6.23M	153.36M	94.42M
Long-Term Debt	41M	36M	36M	46M	178M	147M
Short-Term Debt	0	0	0	0	5M	16M
Other Liabilities	1.11B	0	0	0	0	0
Total Current Liabilities	446K	1.28B	1.6B	1.84B	1.96B	2.21B
Total Non-Current Liabilities	1.15B	50.51M	50.19M	60.4M	189.42M	155.45M
Total Liabilities	1.15B	1.33B	1.65B	1.9B	2.15B	2.37B
Total Equity+	160.28M	171M	203.9M	182.43M	191.97M	215.39M
Equity Growth %	-	0.07%	0.19%	-0.11%	0.05%	0.12%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-
Return on Equity (ROE)	0.06%	0.07%	0.11%	0.1%	0.09%	0.12%
Book Value per Share	15.93	8.82	10.42	9.04	9.75	10.86
Tangible BV per Share	-	-	-	-	-	-
Common Stock	10.01M	10.01M	19.99M	20M	19.57M	19.93M
Additional Paid-in Capital	177.56M	177.75M	310.67M	311.28M	305.21M	307.81M
Retained Earnings	-61.31M	-53.62M	-124.25M	-104.1M	-88.55M	-67.81M
Accumulated OCI	1.96M	4.78M	-2.52M	-44.75M	-44.27M	-44.53M
Treasury Stock	0	0	0	0	0	0
Preferred Stock	32.08M	32.08M	0	0	0	0

Cash Flow

	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	14.34M	13.1M	22.05M	29.54M	22.55M	34.09M
Operating CF Growth %	-	-0.09%	0.68%	0.34%	-0.24%	0.51%
Net Income	10.39M	10.82M	21.08M	20.14M	16.55M	24.67M
Depreciation & Amortization	1.23M	1.27M	1.03M	688K	590K	587K
Deferred Taxes	-398K	2.59M	6.6M	6.95M	5.25M	7.72M
Other Non-Cash Items	2.55M	-1.04M	-6.9M	2.01M	311K	844K
Working Capital Changes	362K	-727K	-46K	-768K	-1.16M	-1.87M
Cash from Investing+	-127.08M	-178.78M	-359.36M	-270.6M	-273M	-211.86M
Purchase of Investments	0	-253.99M	-316.68M	-67.85M	-127.17M	-85.67M
Sale/Maturity of Investments	0	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0
Other Investing	-126.21M	-30.19M	-158.8M	-315.72M	-286.59M	-191.13M
Cash from Financing+	123.14M	177.67M	335.81M	249M	237.35M	213.74M
Dividends Paid	-1.83M	-3.13M	-2.08M	0	0	-3.94M
Share Repurchases	0	0	0	0	-7.58M	-501K
Stock Issued	0	15K	39.83M	102K	75K	1.32M
Net Stock Activity	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	0	1000K	1000K	-1000K
Other Financing	130.96M	255.78M	316.98M	238.9M	107.86M	236.87M
Net Change in Cash+	35.74M	11.99M	-1.51M	7.94M	-13.11M	35.97M
Exchange Rate Effect	1000K	0	0	0	0	0
Cash at Beginning	0	35.74M	47.73M	46.23M	54.17M	41.06M
Cash at End	35.74M	47.73M	46.23M	54.17M	41.06M	77.03M
Interest Paid	0	8.84M	4.29M	7.31M	41.31M	60.54M
Income Taxes Paid	0	0	0	0	0	0
Free Cash Flow+	13.46M	12.76M	21.42M	28.86M	22.38M	33.78M
FCF Growth %	-	-0.05%	0.68%	0.35%	-0.22%	0.51%

Banking Ratios

Metric	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	6.48%	6.53%	11.24%	10.43%	8.84%	12.11%
Return on Assets (ROA)	0.79%	0.77%	1.26%	1.02%	0.75%	1%
Net Interest Margin	0%	2.9%	2.83%	3.05%	2.5%	2.71%
Efficiency Ratio	69.24%	56.25%	50.35%	51.4%	38.56%	32.67%
Equity / Assets	12.21%	11.39%	11%	8.75%	8.21%	8.34%
Book Value / Share	15.93	8.82	10.42	9.04	9.75	10.86
NII Growth	-	-	20.41%	21.27%	-8%	19.41%
Dividend Payout	17.57%	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

USCB Financial Holdings, Inc. (USCB) has a price-to-earnings (P/E) ratio of 15.9x. This is roughly in line with market averages.

Growth & Financials

USCB Financial Holdings, Inc. (USCB) grew revenue by 32.8% over the past year. This is strong growth.

Yes, USCB Financial Holdings, Inc. (USCB) is profitable, generating $29.7M in net income for fiscal year 2024 (17.1% net margin).

Dividend & Returns

Yes, USCB Financial Holdings, Inc. (USCB) pays a dividend with a yield of 1.01%. This makes it attractive for income-focused investors.

USCB Financial Holdings, Inc. (USCB) has a return on equity (ROE) of 12.1%. This is reasonable for most industries.

Industry Metrics

USCB Financial Holdings, Inc. (USCB) has a net interest margin (NIM) of 2.7%. NIM has been under pressure due to interest rate environment.

USCB Financial Holdings, Inc. (USCB) has an efficiency ratio of 32.7%. This is excellent, indicating strong cost control.

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