USCB Financial Holdings, Inc. (USCB)

USCB Financial Holdings Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	31.64	24.67	16.55	20.14	21.08	10.82
Depreciation & Amortization	0.61	0.59	0.59	0.69	1.03	1.27
Gain (Loss) on Sale of Assets	-	-	-	-	-0.98	-
Gain (Loss) on Sale of Investments	-1.26	-0.54	1.09	2.96	0.38	-0.08
Provision for Credit Losses	2.85	3.16	2.37	2.5	-0.16	3.25
Accrued Interest Receivable	-1.36	-0.26	-3.14	-1.57	-0.43	-2
Change in Other Net Operating Assets	-5.32	-6.22	0.26	-3.45	-2.27	0.47
Other Operating Activities	9.28	6.69	2.91	4.39	2.09	-0.79
Operating Cash Flow	49.17	34.09	22.55	29.54	22.05	13.1
Operating Cash Flow Growth	54.84%	51.20%	-23.67%	33.95%	68.30%	-8.60%
Capital Expenditures	-0.27	-0.31	-0.16	-0.67	-0.63	-0.35
Sale of Property, Plant and Equipment	-	-	-	-	1.65	-
Investment in Securities	-52.58	-20.41	13.75	45.79	-199.93	-148.24
Net Decrease (Increase) in Loans Originated / Sold - Investing	-200.27	-191.91	-272.48	-314.93	-146.07	-33.23
Other Investing Activities	0.91	0.77	-14.11	-0.78	-14.39	3.05
Investing Cash Flow	-252.2	-211.86	-273	-270.6	-359.36	-178.78
Long-Term Debt Issued	-	227	529.35	126	-	79
Long-Term Debt Repaid	-	-247	-392.35	-116	-	-154
Net Debt Issued (Repaid)	-67.74	-20	137	10	-	-75
Issuance of Common Stock	1.55	1.32	0.08	0.1	39.83	0.02
Repurchase of Common Stock	-34.55	-0.5	-7.58	-	-	-
Preferred Share Repurchases	-	-	-	-	-18.92	-
Common Dividends Paid	-6.91	-3.94	-	-	-	-
Preferred Dividends Paid	-	-	-	-	-2.08	-3.13
Total Dividends Paid	-6.91	-3.94	-	-	-2.08	-3.13
Net Increase (Decrease) in Deposit Accounts	329	236.87	107.86	238.9	316.98	255.78
Financing Cash Flow	221.35	213.74	237.35	249	335.81	177.67
Net Cash Flow	18.33	35.97	-13.11	7.94	-1.51	11.99
Free Cash Flow	48.91	33.78	22.38	28.86	21.42	12.76
Free Cash Flow Growth	55.42%	50.90%	-22.45%	34.77%	67.92%	-5.27%
Free Cash Flow Margin	52.97%	42.48%	35.19%	43.47%	33.81%	27.46%
Free Cash Flow Per Share	2.43	1.70	1.14	1.43	2.04	1.27
Cash Interest Paid	60.24	60.54	41.31	7.31	4.29	8.84

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q