USCB Financial Holdings, Inc. (USCB)

USCB Financial Holdings Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	83.63	69.94	58.57	63.66	52.5
Net Interest Income Growth	19.58%	19.41%	-8.00%	21.27%	20.41%
Non-Interest Income	6.59	12.74	7.4	5.23	10.7
Non-Interest Income Growth	-48.26%	72.09%	41.60%	-51.13%	75.46%
Revenues Before Loan Losses	90.22	82.68	65.97	68.89	63.19
Provision for Credit Losses	2.3	3.16	2.37	2.5	-0.16
Revenue	87.93	79.52	63.6	66.39	63.35
Revenue Growth (YoY)	10.57%	25.02%	-4.20%	4.80%	36.41%
Compensation Expenses	32.17	28.79	24.43	23.94	21.44
Selling, General & Admin	11.23	10.59	10.6	10.6	9.94
Other Non-Interest Expenses	8.61	7.66	6.78	4.76	4.3
Total Non-Interest Expense	52.01	47.04	41.81	39.31	35.68
Pretax Income	35.92	32.48	21.8	27.09	27.68
Provision for Income Taxes	9.82	7.8	5.25	6.94	6.6
Net Income	26.1	24.67	16.55	20.14	21.08
Net Income Attributable to Preferred Dividends	-	-	-	-	91.66
Net Income to Common	26.1	24.67	16.55	20.14	21.08
Net Income Growth	5.78%	49.13%	-17.85%	-4.44%	94.80%
Shares Outstanding (Basic)	19	20	20	20	20
Shares Outstanding (Diluted)	20	20	20	20	20
Shares Change (YoY)	-0.91%	0.69%	-2.21%	0.75%	177.15%
EPS (Basic)	1.34	1.25	0.84	1.01	-6.72
EPS (Diluted)	1.33	1.24	0.84	1.00	-6.72
EPS Growth	7.26%	47.62%	-16.00%	-	-
Free Cash Flow	42.5	34.52	22.38	28.86	21.42
Free Cash Flow Growth	23.11%	54.24%	-22.45%	34.77%	67.92%
Free Cash Flow Per Share	2.16	1.74	-	-	-
Dividends Per Share	0.400	0.200	-	-	-
Dividend Growth	100.00%	-	-	-	-
Profit Margin	29.68%	31.03%	26.01%	30.34%	33.27%
FCF Margin	48.34%	43.41%	35.19%	43.47%	33.81%
EBITDA	0.62	0.59	0.59	0.69	1.03
EBITDA Margin	0.70%	0.74%	0.93%	1.04%	1.63%
Effective Tax Rate	27.33%	24.03%	24.09%	25.64%	23.85%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q