Trailing Dividend / Share
$0.43
USCB Financial Holdings, Inc. (USCB) Dividend History
Income profile from 2024 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
2.2%
Payout Ratio
30.0%
Sustainable
Dividend Streak
2 years
USCB Dividend Income Check
Safety
30.0% payout ratio with sustainable safety profile.
Consistency
2 straight years of dividend increases.
Income Trend
Yield on cost is 3.7% and trend is unknown.
USCB Dividend Scorecard
Yield & Income
Dividend Yield2.2%
Trailing DPS$0.43
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout30.0%
Earnings SafetySustainable
FCF Payout18.3%
FCF SafetyWell Covered
Piotroski F-Score6/9
Growth
Growth Streak2 years
3Y CAGRN/A
5Y CAGRN/A
Yield on Cost (5Y)3.7%
YOC Trendunknown
Total Returns
Buyback Yield9.7%
Total Shareholder Yield11.9%
1Y Total Return20.6%
5Y Total Return88.5%
Div Contribution (5Y)7.9%
Estimated $10K growth (return + dividends):
5Y ago$18,85410Y ago$18,85420Y ago$18,854
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
USCB Income Growth Story
Dividend per share and yield on cost over time (3 years of payments)
USCB Dividend Safety Story
EPS is the container — dividend is what's drawn out
Get USCB's next ex-dividend date and payout in your inbox
Monthly dividend calendar — upcoming ex-dates for stocks you follow.
Dividend Analysis
Payout Safety
USCB Financial Holdings, Inc. distributes 30.0% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 18.3%, rated "Well Covered".
Piotroski F-Score: 6/9 — moderate financial health.
Growth Track Record
USCB has raised its dividend for 2 consecutive years.
Total Shareholder Returns
Beyond cash dividends, USCB returns capital through share repurchases. The combined picture: 2.2% dividend yield, 9.7% buyback yield, 11.9% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 3.7% and is currently unknown. The 5-year total return is 88.5%, with dividends contributing 7.9% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $18,854 today.
USCB Recent Dividend Payments
Last 10 payments · Semi-Annual
TTM Total$0.85
Avg/Payment$0.0850
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| May 15, 2026Latest | $0.1250 | — | 2.51% | Jun 5, 2026 |
| Feb 17, 2026 | $0.1250 | ↑ +25.0% | 2.14% | Mar 5, 2026 |
| Nov 14, 2025 | $0.1000 | — | 2.26% | Dec 5, 2025 |
| Aug 15, 2025 | $0.1000 | — | 2.08% | Sep 5, 2025 |
| May 15, 2025 | $0.1000 | — | 1.74% | Jun 5, 2025 |
| Feb 14, 2025 | $0.1000 | ↑ +100.0% | 1.34% | Mar 5, 2025 |
| Nov 15, 2024 | $0.0500 | — | 1.01% | Dec 5, 2024 |
| Aug 15, 2024 | $0.0500 | — | 1.01% | Sep 5, 2024 |
USCB Dividend vs Peers
Comparable companies in the same industry
#8 yield in peer group
Div Yield
2.2%
#8 of 9
Safety
Sustainable
30.0% payout
Streak
2Y
— 5Y CAGR
Total Shareholder
11.9%
#2 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
 USCBUSCB Financial Holdi… | $357M | 2.2% | 30.0% | 2 | Sustainable |
2nd  OCFCOceanFirst Financial… | $1.1B | 4.5% | 68.0% | 0 | Watch |
 BSRRSierra Bancorp | $533M | 2.5% | 32.4% | 2 | Sustainable |
3rd  CFFNCapitol Federal Fina… | $1.1B | 4.1% | 65.1% | 0 | Watch |
 NBTBNBT Bancorp Inc. | $2.5B | 3.0% | 42.9% | 13 | Sustainable |
1st  CZNCCitizens & Northern … | $395M | 4.6% | 69.5% | 0 | Watch |
 IBCPIndependent Bank Cor… | $730M | 2.9% | 31.5% | 11 | Sustainable |
 FXNCFirst National Corpo… | $273M | 2.0% | 31.2% | 11 | Sustainable |
 CFFIC&F Financial Corpor… | $251M | 2.4% | 22.2% | 1 | Sustainable |
USCB Annual Dividend History (2019–2026)
8 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.25 | — | 2 | — | — | — | 2.3% |
| 2025 | $0.40 | 100.0% | 4 | $1.30 | 30.8% | 3.25x | 3.7% |
| 2024 | $0.20 | — | 4 | $1.24 | 16.1% | 6.20x | 1.8% |
| 2023 | $0.00 | — | 0 | $0.84 | — | — | — |
| 2022 | $0.00 | — | 0 | $1.00 | — | — | — |
| 2021 | $0.00 | — | 0 | $-6.72 | — | — | — |
| 2020 | $0.00 | — | 0 | $0.41 | — | — | — |
| 2019 | $0.00 | — | 0 | $1.03 | — | — | — |
What if you invested $1,000 in USCB back in 2024?
Total return with dividends reinvested · 2+ years of data
Calculate ReturnsHow much would $100/month in USCB be worth today?
Dollar cost averaging vs lump sum · see how regular investing compounds over time
Run the NumbersIs USCB Undervalued Right Now?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationUSCB vs BRK-B — which is the better buy?
Side-by-side revenue, margins, P/E and 10-year returns vs Berkshire Hathaway Inc..
Compare NowUSCB — Frequently Asked Questions
Quick answers to the most common questions about buying USCB stock.
How much dividend does USCB pay per share?
USCB Financial Holdings, Inc. (USCB) pays a trailing 12-month dividend of $0.43 per share, with a current dividend yield of +2.2%. Payments are made Semi-Annual.
When is USCB's next ex-dividend date?
USCB's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. USCB typically pays dividends Semi-Annual.
Is USCB's dividend safe?
USCB's dividend safety is rated "Sustainable" based on an earnings payout ratio of +30.0% and FCF payout ratio of +18.3%. The 2-year growth streak provides moderate confidence.
How many years has USCB increased its dividend?
USCB has 2 consecutive years of dividend growth. The 5-year dividend CAGR is N/A.
How often does USCB pay dividends?
USCB Financial Holdings, Inc. pays dividends Semi-Annual. The trailing 12-month total is $0.43 per share. Dividend data on this page covers 2+ years from 2024 to 2026.
How much would $10,000 invested in USCB grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in USCB five years ago would be worth approximately $18,854 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is USCB's yield on cost for long-term holders?
USCB's yield on cost — the current dividend divided by the original purchase price — is +3.7% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +2.2% market yield, thanks to the lower original cost basis.