NASDAQ : USCB
USCB Financial Holdings, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 19.88 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 367.09M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 136.34M | 128.16M | 115.24M | 87.88M | 60.83M | 48.73M |
| Interest Income on Investments | 18.11M | 17.33M | 16.00M | 13.13M | 10.28M | 7.99M |
| Total Interest Income | 154.45M | 145.49M | 131.23M | 101.02M | 71.10M | 56.72M |
| Interest Paid on Deposits | 54.56M | 57.41M | 54.96M | 39.06M | 6.77M | 3.67M |
| Interest Paid on Borrowings | 6.94M | 4.44M | 6.34M | 3.39M | 671.00K | 554.00K |
| Total Interest Expense | 61.50M | 61.86M | 61.30M | 42.45M | 7.44M | 4.23M |
| Net Interest Income | 92.94M | 83.63M | 69.94M | 58.57M | 63.66M | 52.50M |
| Gain (Loss) on Sale of Assets | 983.00K | |||||
| Gain (Loss) on Sale of Investments | -7.48M | -7.53M | 14.00K | -1.86M | -2.53M | 214.00K |
| Other Non-Interest Income | 13.22M | 13.12M | 11.98M | 8.46M | 6.87M | 7.88M |
| Total Non-Interest Income | 6.20M | 6.59M | 12.74M | 7.40M | 5.23M | 10.70M |
| Revenues Before Loan Losses | 99.15M | 90.22M | 82.68M | 65.97M | 68.89M | 63.19M |
| Provision for Loan Losses | 2.60M | 2.30M | 3.16M | 2.37M | 2.50M | -160.00K |
| Revenue | 96.55M | 87.92M | 79.52M | 63.60M | 66.39M | 63.35M |
| Salaries and Employee Benefits | 32.06M | 29.16M | 26.66M | 23.42M | 23.42M | 21.15M |
| Federal Deposit Insurance | 1.72M | 1.64M | 1.77M | 1.45M | 930.00K | 783.00K |
| Selling, General & Administrative | 13.56M | 12.60M | 10.95M | 8.14M | 8.39M | 7.97M |
| Other Non-Interest Expense | 9.34M | 8.61M | 7.66M | 8.80M | 6.57M | 5.77M |
| Total Non-Interest Expense | 56.68M | 52.01M | 47.04M | 41.81M | 39.31M | 35.68M |
| EBT Excluding Unusual Items | 39.86M | 35.92M | 32.48M | 21.80M | 27.09M | 27.68M |
| Pretax Income | 39.86M | 35.92M | 32.48M | 21.80M | 27.09M | 27.68M |
| Income Tax Expense | 10.54M | 9.82M | 7.80M | 5.25M | 6.94M | 6.60M |
| Net Income | 29.32M | 26.10M | 24.67M | 16.55M | 20.14M | 21.08M |
| Preferred Dividends & Other Adjustments | 91.66M | |||||
| Net Income to Common | 29.32M | 26.10M | 24.67M | 16.55M | 20.14M | -70.58M |
| Basic Shares Outstanding | 18.28M | 19.43M | 19.68M | 19.62M | 20.00M | 10.51M |
| Diluted Shares Outstanding | 18.46M | 19.65M | 19.83M | 19.69M | 20.18M | 10.51M |
| EPS (Basic) | 1.60 | 1.34 | 1.25 | 0.84 | 1.01 | -6.72 |
| EPS (Diluted) | 1.59 | 1.33 | 1.24 | 0.84 | 1.00 | -6.72 |
| Dividend Per Share | 0.47 | 0.40 | 0.20 | |||
| Effective Tax Rate | 26.45% | 27.33% | 24.03% | 24.09% | 25.64% | 23.85% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 92.73M | 38.48M | 77.03M | 41.06M | 54.17M | 46.23M |
| Investment Securities | 133.10M | 83.84M | 107.40M | 106.79M | 111.61M | 123.57M |
| Trading Asset Securities | 9.77M | 7.19M | 4.89M | 5.01M | 1.43M | |
| Mortgage-Backed Securities | 342.62M | 377.59M | 317.52M | 297.51M | 307.23M | 400.63M |
| Total Investments | 475.73M | 471.20M | 432.11M | 409.19M | 423.85M | 525.63M |
| Gross Loans | 2.32B | 2.19B | 1.97B | 1.78B | 1.51B | 1.19B |
| Allowance for Loan Losses | -27.02M | -25.50M | -24.07M | -21.08M | -17.49M | -15.06M |
| Other Adjustments to Gross Loans | -1.58M | |||||
| Net Loans | 2.30B | 2.16B | 1.95B | 1.76B | 1.49B | 1.18B |
| Property, Plant & Equipment | 9.77M | 13.01M | 16.26M | 19.66M | 19.46M | |
| Accrued Interest Receivable | 11.66M | 10.95M | 10.69M | 7.55M | 5.97M | |
| Long-Term Deferred Tax Assets | 18.05M | 29.65M | 37.28M | 42.36M | 34.93M | |
| Other Long-Term Assets | 147.95M | 69.31M | 60.31M | 54.71M | 45.52M | 44.59M |
| Total Assets | 3.01B | 2.79B | 2.58B | 2.34B | 2.09B | 1.85B |
| Interest Bearing Deposits | 1.84B | 1.65B | 1.50B | 1.27B | 1.12B | 865.55M |
| Institutional Deposits | 111.50M | 94.00M | 117.20M | 82.00M | 119.40M | |
| Non-Interest Bearing Deposits | 601.79M | 583.86M | 575.16M | 552.76M | 629.78M | 605.42M |
| Total Deposits | 2.45B | 2.35B | 2.17B | 1.94B | 1.83B | 1.59B |
| Short-Term Borrowings | 9.79M | 6.87M | 7.99M | 5.01M | 1.43M | |
| Current Portion of Long-Term Debt | 147.25M | 61.00M | 106.00M | 25.00M | ||
| Current Portion of Leases | 2.38M | |||||
| Accrued Interest Payable | 3.98M | 2.12M | 1.37M | 229.00K | 96.00K | |
| Long-Term Debt | 39.41M | 39.30M | ||||
| Federal Home Loan Bank Debt, Long-Term | 232.00M | 11.00M | 102.00M | 77.00M | 21.00M | 36.00M |
| Long-Term Leases | 3.14M | 8.45M | 11.42M | 14.39M | 14.19M | |
| Other Long-Term Liabilities | 64.39M | 12.44M | 11.38M | 6.20M | 8.49M | 7.95M |
| Total Liabilities | 2.78B | 2.57B | 2.37B | 2.15B | 1.90B | 1.65B |
| Common Stock | 272.66M | 18.14M | 19.93M | 19.57M | 20.00M | 19.99M |
| Additional Paid-In Capital | 278.85M | 307.81M | 305.21M | 311.28M | 310.67M | |
| Retained Earnings | -49.54M | -67.81M | -88.55M | -104.10M | -124.25M | |
| Comprehensive Income & Other | -43.30M | -30.27M | -44.53M | -44.27M | -44.75M | -2.52M |
| Total Common Equity | 229.36M | 217.18M | 215.39M | 191.97M | 182.43M | 203.90M |
| Shareholders' Equity | 229.36M | 217.18M | 215.39M | 191.97M | 182.43M | 203.90M |
| Total Liabilities & Equity | 3.01B | 2.79B | 2.58B | 2.34B | 2.09B | 1.85B |
| Total Debt | 271.41M | 212.85M | 178.32M | 202.41M | 65.41M | 51.62M |
| Net Cash (Debt) | -178.69M | -164.61M | -94.09M | -156.46M | -6.23M | -3.96M |
| Net Cash Per Share | -9.68 | -8.38 | -4.74 | -7.95 | -0.31 | -0.38 |
| Filing Date Shares Outstanding | 18.47M | 18.26M | 20.05M | 19.65M | 20.00M | 19.99M |
| Total Common Shares Outstanding | 18.47M | 18.14M | 19.92M | 19.58M | 20.00M | 19.99M |
| Book Value Per Share | 12.42 | 11.97 | 10.81 | 9.81 | 9.12 | 10.20 |
| Tangible Book Value | 229.36M | 217.18M | 215.39M | 191.97M | 182.43M | 203.90M |
| Tangible Book Value Per Share | 12.42 | 11.97 | 10.81 | 9.81 | 9.12 | 10.20 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 26.10M | 24.67M | 16.55M | 20.14M | 21.08M | |
| Depreciation & Amortization | 619.00K | 587.00K | 590.00K | 688.00K | 1.03M | |
| Other Amortization | 1.02M | 660.00K | -184.00K | |||
| Gain (Loss) on Sale of Assets | -983.00K | |||||
| Gain (Loss) on Sale of Investments | 5.99M | -535.00K | 1.09M | 2.96M | 382.00K | |
| Provision for Credit Losses | 2.30M | 3.16M | 2.37M | 2.50M | -160.00K | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 1.00M | 747.00K | ||||
| Accrued Interest Receivable | -716.00K | -257.00K | -3.14M | -1.57M | -428.00K | |
| Change in Other Net Operating Assets | -5.93M | -6.22M | 261.00K | -3.45M | -2.27M | |
| Other Operating Activities | 4.80M | 6.03M | 3.09M | 4.39M | 2.09M | |
| Operating Cash Flow | 42.80M | 34.84M | 22.55M | 29.54M | 22.05M | |
| Capital Expenditures | -303.00K | -314.00K | -163.00K | -673.00K | -633.00K | |
| Sale of Property, Plant and Equipment | 1.65M | |||||
| Investment in Securities | -23.05M | -20.41M | 13.75M | 45.79M | -199.93M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -218.12M | -192.65M | -272.48M | -314.93M | -146.07M | |
| Other Investing Activities | -3.94M | 774.00K | -14.11M | -782.00K | -14.39M | |
| Investing Cash Flow | -245.41M | -212.61M | -273.00M | -270.60M | -359.36M | |
| Long-Term Debt Issued | 376.05M | 227.00M | 529.35M | 126.00M | ||
| Long-Term Debt Repaid | -341.50M | -247.00M | -392.35M | -116.00M | ||
| Net Debt Issued (Repaid) | 34.55M | -20.00M | 137.00M | 10.00M | ||
| Issuance of Common Stock | 804.00K | 1.32M | 75.00K | 102.00K | 39.83M | |
| Repurchase of Common Stock | -34.55M | -501.00K | -7.58M | |||
| Preferred Share Repurchases | -18.92M | |||||
| Common Dividends Paid | -7.83M | -3.94M | ||||
| Preferred Dividends Paid | -2.08M | |||||
| Total Dividends Paid | -7.83M | -3.94M | -2.08M | |||
| Net Increase (Decrease) in Deposit Accounts | 171.08M | 236.87M | 107.86M | 238.90M | 316.98M | |
| Financing Cash Flow | 164.05M | 213.74M | 237.35M | 249.00M | 335.81M | |
| Net Cash Flow | -38.56M | 35.97M | -13.11M | 7.94M | -1.51M | |
| Free Cash Flow | 42.50M | 34.52M | 22.38M | 28.86M | 21.42M | |
| Free Cash Flow Margin | 48.34% | 43.41% | 35.19% | 43.47% | 33.81% | |
| Free Cash Flow Per Share | 2.16 | 1.74 | 1.14 | 1.43 | 2.04 | |
| Cash Interest Paid | 60.00M | 60.54M | 41.31M | 7.31M | 4.29M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 367.09M | 333.59M | 352.17M | 239.39M | 244.01M | 351.82M |
| Last Close Price | 19.88 | 18.08 | 17.03 | 11.59 | 11.54 | 13.24 |
| PE Ratio | 12.50 | 12.78 | 14.27 | 14.47 | 12.12 | |
| PS Ratio | 3.80 | 3.79 | 4.43 | 3.76 | 3.67 | 5.55 |
| PB Ratio | 1.60 | 1.54 | 1.64 | 1.25 | 1.34 | 1.73 |
| P/FCF Ratio | 7.48 | 7.85 | 10.20 | 10.70 | 8.45 | 16.43 |
| P/OCF Ratio | 7.33 | 7.79 | 10.11 | 10.62 | 8.26 | 15.96 |
| Debt / Equity Ratio | 1.18 | 0.98 | 0.83 | 1.05 | 0.36 | 0.25 |
| Debt / FCF Ratio | 5.01 | 5.17 | 9.04 | 2.27 | 2.41 | |
| Net Debt / Equity Ratio | 0.78 | 0.76 | 0.44 | 0.81 | 0.03 | 0.02 |
| Net Debt / FCF Ratio | 3.87 | 2.73 | 6.99 | 0.22 | 0.18 | |
| Return on Equity (ROE) | 13.37% | 12.07% | 12.11% | 8.84% | 10.43% | 11.24% |
| Return on Assets (ROA) | 1.01% | 0.97% | 1.00% | 0.75% | 1.02% | 1.26% |
| Earnings Yield | 8.00% | 7.82% | 7.01% | 6.91% | 8.25% | 5.99% |
| FCF Yield | 13.37% | 12.74% | 9.80% | 9.35% | 11.83% | 6.09% |
| Dividend Yield | 2.51% | 2.17% | 1.13% | |||
| Payout Ratio | 31.43% | 30.00% | 15.96% | 9.85% | ||
| Buyback Yield / Dilution | 8.11% | 0.91% | -0.73% | 2.43% | -92.02% | -4.74% |
| Total Shareholder Return | 10.63% | 3.09% | 0.40% | 2.43% | -92.02% | -4.74% |