USCB Financial Holdings, Inc. (USCB)

USCB Financial Holdings Cash Flow 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 Income	-	24.67	16.55	20.14	21.08
Depreciation & Amortization	-	0.59	0.59	0.69	1.03
Gain (Loss) on Sale of Assets	-	-	-	-	-0.98
Gain (Loss) on Sale of Investments	-	-0.54	1.09	2.96	0.38
Provision for Credit Losses	-	3.16	2.37	2.5	-0.16
Accrued Interest Receivable	-	-0.26	-3.14	-1.57	-0.43
Change in Other Net Operating Assets	-	-6.22	0.26	-3.45	-2.27
Other Operating Activities	-	6.69	2.91	4.39	2.09
Operating Cash Flow	-	34.09	22.55	29.54	22.05
Operating Cash Flow Growth	-	51.20%	-23.67%	33.95%	68.30%
Capital Expenditures	-	-0.31	-0.16	-0.67	-0.63
Sale of Property, Plant and Equipment	-	-	-	-	1.65
Investment in Securities	-	-20.41	13.75	45.79	-199.93
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-191.91	-272.48	-314.93	-146.07
Other Investing Activities	-	0.77	-14.11	-0.78	-14.39
Investing Cash Flow	-	-211.86	-273	-270.6	-359.36
Long-Term Debt Issued	-	227	529.35	126	-
Long-Term Debt Repaid	-	-247	-392.35	-116	-
Net Debt Issued (Repaid)	-	-20	137	10	-
Issuance of Common Stock	-	1.32	0.08	0.1	39.83
Repurchase of Common Stock	-	-0.5	-7.58	-	-
Preferred Share Repurchases	-	-	-	-	-18.92
Common Dividends Paid	-	-3.94	-	-	-
Preferred Dividends Paid	-	-	-	-	-2.08
Total Dividends Paid	-	-3.94	-	-	-2.08
Net Increase (Decrease) in Deposit Accounts	-	236.87	107.86	238.9	316.98
Financing Cash Flow	-	213.74	237.35	249	335.81
Net Cash Flow	-	35.97	-13.11	7.94	-1.51
Free Cash Flow	-	33.78	22.38	28.86	21.42
Free Cash Flow Growth	-	50.90%	-22.45%	34.77%	67.92%
Free Cash Flow Margin	-	42.48%	35.19%	43.47%	33.81%
Free Cash Flow Per Share	-	1.70	1.14	1.43	2.04
Cash Interest Paid	-	60.54	41.31	7.31	4.29

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q