USCB Financial Holdings, Inc. (USCB)

NASDAQ: USCB · Real-Time Price · USD

22.02

-0.63 (-2.78%)

Jul 29, 2026, 4:00 PM EDT - Market closed

USCB Financial Holdings Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	94.48	87.93	79.52	63.6	66.39	63.35
Revenue Growth	9.35%	10.57%	25.02%	-4.20%	4.80%	36.41%
Net Income	28.73	26.1	24.67	16.55	20.14	21.08
Earnings Per Share	1.52	1.33	1.24	0.84	1.00	-6.72
EPS Growth	3.40%	7.26%	47.62%	-16.00%	-	-

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	118.15	38.48	77.04	41.06	54.17	46.23
Total Debt	39.38	39.3	0	0	0	0
Net Cash (Debt)	-39.38	-39.3	-0	-0	-0	-0
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-2.10	-2.00	-	-	-	-

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	43.45	42.81	34.84	22.55	29.54	22.05
Capital Expenditures	-0.58	-0.3	-0.31	-0.16	-0.67	-0.63
Free Cash Flow	42.88	42.5	34.52	22.38	28.86	21.42
Free Cash Flow Growth	4.31%	23.11%	54.24%	-22.45%	34.77%	67.92%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Pretax Margin	41.79%	40.85%	40.84%	34.27%	40.79%	43.69%
Profit Margin	30.41%	29.68%	31.03%	26.01%	30.34%	33.27%
FCF Margin	0.00%	48.34%	43.41%	35.19%	43.47%	33.81%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.500	0.400	0.200	-	-	-
Dividend Per Share Growth	35.71%	100.00%	-	-	-	-
Dividend Yield	2.27%	2.19%	1.13%	3.14%	0.00%	0.74%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	14.36	13.85	14.31	14.58	12.20	-
Forward PE	9.83	8.76	12.03	12.73	10.06	15.28
P/FCF Ratio	9.48	7.86	10.24	10.71	8.45	13.08
PS Ratio	4.30	3.80	4.45	3.77	3.68	4.42