USCB Financial Holdings, Inc. (USCB)

USCB Financial Holdings Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	86.56	83.63	69.94	58.57	63.66	52.5
Net Interest Income Growth	17.15%	19.58%	19.41%	-8.00%	21.27%	20.41%
Non-Interest Income	7.03	6.59	12.74	7.4	5.23	10.7
Non-Interest Income Growth	-42.88%	-48.26%	72.09%	41.60%	-51.13%	75.46%
Revenues Before Loan Losses	93.59	90.22	82.68	65.97	68.89	63.19
Provision for Credit Losses	2.42	2.3	3.16	2.37	2.5	-0.16
Revenue	91.17	87.93	79.52	63.6	66.39	63.35
Revenue Growth (YoY)	10.16%	10.57%	25.02%	-4.20%	4.80%	36.41%
Compensation Expenses	33.1	32.17	28.79	24.43	23.94	21.44
Selling, General & Admin	11.75	11.23	10.59	10.6	10.6	9.94
Other Non-Interest Expenses	8.82	8.61	7.66	6.78	4.76	4.3
Total Non-Interest Expense	53.67	52.01	47.04	41.81	39.31	35.68
Pretax Income	37.5	35.92	32.48	21.8	27.09	27.68
Provision for Income Taxes	9.71	9.82	7.8	5.25	6.94	6.6
Net Income	27.79	26.1	24.67	16.55	20.14	21.08
Net Income Attributable to Preferred Dividends	-	-	-	-	-	91.66
Net Income to Common	27.79	26.1	24.67	16.55	20.14	21.08
Net Income Growth	0.26%	5.78%	49.13%	-17.85%	-4.44%	94.80%
Shares Outstanding (Basic)	19	19	20	20	20	20
Shares Outstanding (Diluted)	19	20	20	20	20	20
Shares Change (YoY)	-4.29%	-0.91%	0.69%	-2.21%	0.75%	177.15%
EPS (Basic)	1.46	1.34	1.25	0.84	1.01	-6.72
EPS (Diluted)	1.43	1.33	1.24	0.84	1.00	-6.72
EPS Growth	3.62%	7.26%	47.62%	-16.00%	-	-
Shares Outstanding	18.26	18.14	19.92	19.58	20	19.99
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	1.14	1.43	1.07
Dividends Per Share	0.425	0.400	0.200	-	-	-
Dividend Growth	6.25%	100.00%	-	-	-	-
Profit Margin	30.48%	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	25.89%	27.33%	24.03%	24.09%	25.64%	23.85%

Updated Mar 31, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q