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	26.1	24.67	16.55	20.14	21.08
Depreciation & Amortization	0.62	0.59	0.59	0.69	1.03
Provision for Credit Losses	2.3	3.16	2.37	2.5	-0.16
Stock-Based Compensation	3.01	2.13	1.01	0.52	0.29
Net Change in Loans Held-for-Sale	0	0	-0.8	-0.89	-1.63
Other Adjustments	11.81	6.16	4	7.35	1.49
Changes in Accrued Interest and Accounts Receivable	-0.72	-0.26	-3.14	-1.57	-0.43
Changes in Other Operating Activities	-0.31	-1.61	1.98	0.8	0.38
Operating Cash Flow	42.81	34.84	22.55	29.54	22.05
Operating Cash Flow Growth	22.87%	54.52%	-23.67%	33.95%	68.30%
Net Change in Loans Held-for-Investment	-218.12	-192.65	-285.01	-327.76	-163.05
Net Change in Securities and Investments	-23.05	-20.41	13.75	45.79	-199.93
Capital Expenditures	-0.3	-0.31	-0.16	-0.67	-0.63
Sale of Property, Plant & Equipment	-	-	12.53	12.82	18.63
Other Investing Activities	-3.94	0.77	-14.11	-0.78	-14.39
Investing Cash Flow	-245.41	-212.61	-273	-270.6	-359.36
Net Change in Deposits	171.08	236.87	107.86	238.9	316.98
Long-Term Debt Issued	376.05	227	529.35	126	-
Long-Term Debt Repaid	-341.5	-247	-392.35	-116	-
Net Long-Term Debt Issued (Repaid)	34.55	-20	137	10	-
Issuance of Common Stock	0.8	1.32	0.08	0.1	39.83
Repurchase of Common Stock	-34.55	-0.5	-107.86	-	-
Net Common Stock Issued (Repurchased)	-33.75	0.82	-107.78	0.1	39.83
Repurchase of Preferred Stock	-	-	-	-	-18.92
Net Preferred Stock Issued (Repurchased)	-	-	-	-	-18.92
Common Dividends Paid	-7.83	-3.94	-7.58	-	-2.08
Financing Cash Flow	164.05	213.74	237.35	249	335.81
Net Cash Flow	-38.56	35.97	-13.11	7.94	-1.51
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%
FCF Margin	48.34%	43.41%	35.19%	43.47%	33.81%
Free Cash Flow Per Share	2.16	1.74	-	-	-
Levered Free Cash Flow	59.94	3.08	152.81	29.39	21.43
Unlevered Free Cash Flow	-0.71	-1.6	-0.74	-0.75	0.35

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

SEC Filings: 10-K · 10-Q