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Financials · USCB

USCB Financial Holdings Inc. (USCB) financials

For the twelve months ended Sep 30, 2026, USCB Financial Holdings Inc. reported $99.15M of revenue and $29.32M of net income.

Revenue, TTM
$99.15M
Revenue growth, YoY
+4.2%
Net income, TTM
$29.32M
Net income growth, YoY
-7.3%
Net margin
29.6%
Free cash flow, TTM
$42.99M
Cash
$92.73M
P/E
12.53
P/S
3.71
Market cap
$367.5M
Annual revenue$90.22M
FY2020FY2025
Annual net income$26.10M
FY2020FY2025
Annual free cash flow$42.50M
FY2020FY2025

USCB revenue and earnings growth

USCB revenueQ3 2026$26.97M

Quarter YoY
+8.1%
QoQ
-3.5%
FY YoY
+9.1%
5Y CAGR
+12.7%

USCB revenue was $26.97M in fiscal Q3 2026 (ended Sep 30, 2026), up 8.1% from a year earlier and down 3.5% from the prior quarter. For the full fiscal 2025 it was $90.22M, up 9.1% from fiscal 2024. Compound annual growth was +12.7% over 5 years. It rose in 4 of the last 5 fiscal years. Fiscal 2025 is the highest of the 6 fiscal years on file.

USCB net incomeQ3 2026$9.53M

Quarter YoY
+6.6%
QoQ
+5.0%
FY YoY
+5.8%
5Y CAGR
+19.3%

USCB net income was $9.53M in fiscal Q3 2026 (ended Sep 30, 2026), up 6.6% from a year earlier and up 5.0% from the prior quarter. For the full fiscal 2025 it was $26.10M, up 5.8% from fiscal 2024. Compound annual growth was +19.3% over 5 years. It rose in 3 of the last 5 fiscal years. Fiscal 2025 is the highest of the 6 fiscal years on file.

USCB EPSQ3 2026$0.51

Quarter YoY
+13.3%
QoQ
+4.1%
FY YoY
+7.3%

USCB diluted EPS was $0.51 in fiscal Q3 2026 (ended Sep 30, 2026), up 13.3% from a year earlier and up 4.1% from the prior quarter. For the full fiscal 2025 it was $1.33, up 7.3% from fiscal 2024.

USCB free cash flowQ3 2026$13.94M

Quarter YoY
-30.4%
QoQ
-42.4%
FY YoY
+23.1%
5Y CAGR
+27.2%

USCB free cash flow was $13.94M in fiscal Q3 2026 (ended Sep 30, 2026), down 30.4% from a year earlier and down 42.4% from the prior quarter. For the full fiscal 2025 it was $42.50M, up 23.1% from fiscal 2024. Compound annual growth was +27.2% over 5 years. It rose in 4 of the last 5 fiscal years. Fiscal 2025 is the highest of the 6 fiscal years on file.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
Revenue$90.22M$82.68M$65.97M$68.89M$63.19M$49.69M
Interest expense--$42.45M$7.44M$4.23M$9.04M
Pre-tax income$35.92M$32.48M$21.80M$27.09M$27.68M$13.41M
Income tax$9.82M$7.80M$5.25M$6.94M$6.60M$2.59M
Net income$26.10M$24.67M$16.55M$20.14M$21.08M$10.82M
EPS, basic$1.34$1.25----
EPS, diluted$1.33$1.24----
Diluted shares19.7M19.8M----

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
Cash and equivalents$38.48M$77.03M$41.06M$54.17M$46.23M$47.73M
Total assets$2.79B$2.58B$2.34B$2.09B$1.85B$1.50B
Total liabilities$2.57B$2.37B$2.15B$1.90B$1.65B$1.33B
Shareholders' equity$217.18M$215.39M$191.97M$182.43M$203.90M$171.00M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
Operating cash flow$42.80M$34.84M$22.55M$29.54M$22.05M$13.10M
Capital expenditures$303.0K$314.0K$163.0K$673.0K$633.0K$347.0K
Free cash flow$42.50M$34.52M$22.38M$28.86M$21.42M$12.76M
Investing cash flow-$245.41M-$212.61M-$273.00M-$270.60M-$359.36M-$178.78M
Financing cash flow$164.05M$213.74M$237.35M$249.00M$335.81M$177.67M
Dividends paid$7.83M$3.94M--$2.08M$3.13M
Share repurchases$34.55M$501.0K$7.58M---
Stock-based compensation$3.00M$2.13M$1.01M$523.0K$287.0K$187.0K
Depreciation and amortization$619.0K$587.0K$590.0K$688.0K$1.00M$1.30M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
Revenue growth, YoY9.1%25.3%-4.2%9.0%27.2%-
Net income growth, YoY5.8%49.1%-17.9%-4.4%94.8%-
EPS growth, YoY7.3%-----
Net margin28.9%29.8%25.1%29.2%33.4%21.8%
Free cash flow margin47.1%41.8%33.9%41.9%33.9%25.7%
Return on equity12.0%11.5%8.6%11.0%10.3%6.3%
Return on assets0.9%1.0%0.7%1.0%1.1%0.7%

Source: XBRL data USCB Financial Holdings Inc. files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

USCB peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
USCB$99.15M+4.2%$29.32M29.6%$367.5M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

USCB FAQ

7 questions
  • What is USCB revenue?
    USCB Financial Holdings Inc. (USCB) reported $99.15M of revenue for the twelve months ended Sep 30, 2026. That is up 4.2% from the year before. Revenue for fiscal 2025 was $90.22M.
  • Is USCB profitable?
    Yes. USCB Financial Holdings Inc. earned $29.32M in net income for the twelve months ended Sep 30, 2026, a net margin of 29.6%.
  • How much cash and debt does USCB have?
    USCB Financial Holdings Inc. reported $92.73M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is USCB revenue growing?
    USCB Financial Holdings Inc.'s revenue changed +9.1% in fiscal 2025, to $90.22M. Its compound annual growth rate was +12.7% over 5 years.
  • What is USCB free cash flow?
    USCB Financial Holdings Inc. generated $42.99M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $43.92M less capital expenditures.
  • When did USCB last report financial results?
    The latest statements here come from USCB Financial Holdings Inc.'s 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this USCB financial data come from?
    Quantisnow builds these statements from the structured XBRL data USCB Financial Holdings Inc. files with the SEC. It is provided for information only and is not investment advice.