USCB Financial Holdings, Inc. (USCB)
NASDAQ: USCB · Real-Time Price · USD
19.92
-0.12 (-0.60%)
Oct 28, 2026, 4:00 PM EDT - Market closed
USCB Financial Holdings Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Interest Income on Loans | 136.34 | 128.16 | 115.24 | 87.88 | 60.83 | 48.73 |
Interest Income on Investments | 18.11 | 17.33 | 16 | 13.13 | 10.28 | 7.99 |
Total Interest Income | 154.45 | 145.49 | 131.23 | 101.02 | 71.1 | 56.72 |
Interest Paid on Deposits | 54.57 | 57.41 | 54.96 | 39.06 | 6.77 | 3.67 |
Interest Paid on Borrowings | 6.94 | 4.44 | 6.34 | 3.39 | 0.67 | 0.55 |
Total Interest Expense | 61.5 | 61.86 | 61.3 | 42.45 | 7.44 | 4.23 |
Net Interest Income | 92.94 | 83.63 | 69.94 | 58.57 | 63.66 | 52.5 |
Net Interest Income Growth | 15.05% | 19.58% | 19.41% | -8.00% | 21.27% | 20.41% |
Gain (Loss) on Sale of Assets | - | - | - | - | - | 0.98 |
Gain (Loss) on Sale of Investments | -7.48 | -7.53 | 0.01 | -1.86 | -2.53 | 0.21 |
Other Non-Interest Income | 13.22 | 13.12 | 11.98 | 8.46 | 6.87 | 7.88 |
Total Non-Interest Income | 6.2 | 6.59 | 12.74 | 7.4 | 5.23 | 10.7 |
Non-Interest Income Growth | -56.91% | -48.26% | 72.09% | 41.60% | -51.13% | 75.46% |
Revenues Before Loan Losses | 99.15 | 90.22 | 82.68 | 65.97 | 68.89 | 63.19 |
Provision for Loan Losses | 2.6 | 2.3 | 3.16 | 2.37 | 2.5 | -0.16 |
| 96.55 | 87.93 | 79.52 | 63.6 | 66.39 | 63.35 | |
Revenue Growth | 4.56% | 10.57% | 25.02% | -4.20% | 4.80% | 36.41% |
Salaries and Employee Benefits | 32.07 | 29.16 | 26.66 | 23.42 | 23.42 | 21.15 |
Federal Deposit Insurance | 1.72 | 1.64 | 1.77 | 1.45 | 0.93 | 0.78 |
Selling, General & Administrative | 13.56 | 12.6 | 10.95 | 8.14 | 8.39 | 7.97 |
Other Non-Interest Expense | 9.34 | 8.61 | 7.66 | 8.8 | 6.57 | 5.77 |
Total Non-Interest Expense | 56.68 | 52.01 | 47.04 | 41.81 | 39.31 | 35.68 |
EBT Excluding Unusual Items | 39.86 | 35.92 | 32.48 | 21.8 | 27.09 | 27.68 |
Pretax Income | 39.86 | 35.92 | 32.48 | 21.8 | 27.09 | 27.68 |
Income Tax Expense | 10.54 | 9.82 | 7.8 | 5.25 | 6.94 | 6.6 |
Net Income | 29.32 | 26.1 | 24.67 | 16.55 | 20.14 | 21.08 |
Preferred Dividends & Other Adjustments | - | - | - | - | - | 91.66 |
Net Income to Common | 29.32 | 26.1 | 24.67 | 16.55 | 20.14 | -70.59 |
Net Income Growth | -7.33% | 5.78% | 49.13% | -17.85% | - | - |
Basic Shares Outstanding | 18 | 19 | 20 | 20 | 20 | 11 |
Diluted Shares Outstanding | 18 | 20 | 20 | 20 | 20 | 11 |
Shares Change | -8.11% | -0.91% | 0.73% | -2.43% | 92.02% | 4.74% |
EPS (Basic) | 1.60 | 1.34 | 1.25 | 0.84 | 1.01 | -6.72 |
EPS (Diluted) | 1.59 | 1.33 | 1.24 | 0.84 | 1.00 | -6.72 |
EPS Growth | 1.35% | 7.26% | 47.62% | -16.00% | - | - |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 | 0.475 | 0.400 | 0.200 | - | - | - |
Dividend Growth | 35.71% | 100.00% | - | - | - | - |
Effective Tax Rate | 26.45% | 27.33% | 24.03% | 24.09% | 25.64% | 23.85% |