Uscb Financial Holdings, Inc. (USCB) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Uscb Financial reported revenue of $90.2M, up 9.1% from $82.7M the year before. Net income was $26.1M (a 28.9% net margin), or $1.33 per diluted share. Net interest income was $83.6M, and the efficiency ratio (noninterest expense / revenue) was 57.6%. Operating activities generated $42.8M of cash, leaving $42.5M of free cash flow. At fiscal year end, Uscb Financial held $2.79B in total assets against $2.57B in total liabilities, including $38.5M of cash and equivalents.
Open the full interactive Uscb Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Uscb Financial Key Stats
| Share Price | $22.15 |
|---|---|
| Market Cap | $410.0M |
| P/E Ratio | 16.7 |
| Dividend Yield | 2.05% |
| Revenue YoY Growth | +9.1% |
| 52-Week Range | $16.46 – $23.48 |
| Shares Outstanding | 18.3 million (basic, 2026 Q2) |
Uscb Financial Income Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Net Interest Income | $52.5M | $63.7M | $58.6M | $69.9M | $83.6M |
| Provision for Credit Losses | -$160,000 | $2.5M | $2.4M | $3.2M | $2.3M |
| Noninterest Income | $10.7M | $5.2M | $7.4M | $12.7M | $6.6M |
| Noninterest Expense | $35.7M | $39.3M | $41.8M | $47.0M | $52.0M |
| Revenue | $63.2M | $68.9M | $66.0M | $82.7M | $90.2M |
| Pre-Tax Income | $27.7M | $27.1M | $21.8M | $32.5M | $35.9M |
| Income Tax | $6.6M | $6.9M | $5.3M | $7.8M | $9.8M |
| Net Income | $21.1M | $20.1M | $16.5M | $24.7M | $26.1M |
| Diluted EPS | -$6.72 | $1.00 | $0.84 | $1.24 | $1.33 |
Uscb Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $25.0M | $18.0M | $26.2M | $27.9M |
| Net Income | $8.9M | $1.4M | $9.4M | $9.1M |
| Diluted EPS | $0.45 | $0.07 | $0.51 | $0.49 |
Uscb Financial Balance Sheet
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Cash & Equivalents | $46.2M | $54.2M | $41.1M | $77.0M | $38.5M |
| Loans (Net) | $1.18B | $1.49B | — | — | — |
| Total Assets | $1.85B | $2.09B | $2.34B | $2.58B | $2.79B |
| Deposits | $1.59B | $1.83B | $1.94B | $2.17B | $2.35B |
| Total Long-Term Debt | $36.0M | $46.0M | $183.0M | $163.0M | $197.6M |
| Total Liabilities | $1.65B | $1.90B | $2.15B | $2.37B | $2.57B |
| Shareholders' Equity | $203.9M | $182.4M | $192.0M | $215.4M | $217.2M |
Uscb Financial Cash Flow Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Cash From Operations | $22.1M | $29.5M | $22.5M | $34.1M | $42.8M |
| Cash From Investing | -$359.4M | -$270.6M | -$273.0M | -$211.9M | -$245.4M |
| Cash From Financing | $335.8M | $249.0M | $237.3M | $213.7M | $164.0M |
| Free Cash Flow | $21.4M | $28.9M | $22.4M | $33.8M | $42.5M |
| Dividends Paid | $2.1M | — | — | $3.9M | $7.8M |
Figures from Uscb Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Uscb Financial financials page for every line item.
Uscb Financial Company Profile
| Ticker | USCB |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Doral, Florida |
| Incorporated in | Florida |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, smaller reporting company, emerging growth company |
| SEC CIK | 0001901637 |
Frequently Asked Questions
What was Uscb Financial's revenue in fiscal 2025?
Uscb Financial (USCB) reported revenue of $90.2M for fiscal 2025.
What is Uscb Financial's annual revenue history?
Uscb Financial's annual revenue by fiscal year: 2021: $63.2M; 2022: $68.9M; 2023: $66.0M; 2024: $82.7M; 2025: $90.2M.
What was Uscb Financial's net income in fiscal 2025?
Uscb Financial reported net income of $26.1M for fiscal 2025.
What was Uscb Financial's earnings per share (EPS) in fiscal 2025?
Uscb Financial's diluted EPS was $1.33 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Uscb Financial generate in fiscal 2025?
Uscb Financial generated $42.5M of free cash flow in fiscal 2025.
What was Uscb Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), Uscb Financial reported revenue of $27.9M.
How much debt does Uscb Financial have?
Uscb Financial reported $197.6M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Uscb Financial are outstanding?
Uscb Financial reported a weighted average of 18.3 million basic shares outstanding in 2026 Q2.
What is Uscb Financial's market cap?
Based on its latest closing price, Uscb Financial (USCB) has a market capitalization of about $410.0M.
When does Uscb Financial's fiscal year end?
Uscb Financial's fiscal year end, as registered with the SEC, is December 31.
Where is Uscb Financial headquartered?
Uscb Financial lists its business address in Doral, Florida in its SEC filings.